Citizens Financial Services Inc. (CZFS) vs Northeast Community Bancorp Inc. (NECB)
- Citizens Financial Services Inc. CZFS 80.21 +1.38%
- Northeast Community Bancorp Inc. NECB 27.63 −0.18%
Citizens Financial Services Inc. and Northeast Community Bancorp Inc. are both Banks Regional companies. Citizens Financial Services Inc. and Northeast Community Bancorp Inc. are of similar size ($381.0M and $380.6M). Northeast Community Bancorp Inc. trades at the lower P/E: 8.6× against 9.4×. Citizens Financial Services Inc. grew revenue faster over the last twelve months: 3.35% against −5.05%. Northeast Community Bancorp Inc. has the higher net margin (27.7% vs 23.3%) and the higher return on invested capital (7.83% vs 4.48%). Both pay a dividend; Northeast Community Bancorp Inc. yields more (3.26% vs 2.52%). Across the 19 metrics below, Northeast Community Bancorp Inc. leads on 15 and Citizens Financial Services Inc. on 4.
Valuation
Profitability
| Metric | CZFS | NECB | Banks Regional median |
|---|---|---|---|
| Gross margin | 67.06% | 67.58% | 69.55% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 23.31% | 27.67% | 18.66% |
| Free cash flow margin | 20.95% | 31.75% | 21.11% |
| Return on equity | 12.32% | 12.13% | 10.65% |
| Return on assets | 1.33% | 2.07% | 1.13% |
| Return on invested capital | 4.48% | 7.83% | 8.35% |
Growth
Health
Dividend
Size
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