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Citizens Financial Services Inc. (CZFS) vs Norwood Financial Corp. (NWFL)

Citizens Financial Services Inc. and Norwood Financial Corp. are both Banks Regional companies. Citizens Financial Services Inc. and Norwood Financial Corp. are of similar size ($413.9M and $391.5M). Citizens Financial Services Inc. trades at the lower P/E: 9.6× against 12.4×. Norwood Financial Corp. grew revenue faster over the last twelve months: 42.3% against 4.45%. Citizens Financial Services Inc. has the higher net margin (23.9% vs 18.7%) and the lower return on invested capital (0.00% vs 9.03%). Both pay a dividend; Norwood Financial Corp. yields more (3.56% vs 2.36%). Across the 19 metrics below, Citizens Financial Services Inc. leads on 12 and Norwood Financial Corp. on 7.

Valuation

Metric CZFS NWFL Banks Regional median
P/E 9.55 12.40 12.02
P/S 2.28 2.52 2.36
P/B 1.17 1.35 1.23
Price to free cash flow 10.47 13.01 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.47% 8.06% 8.21%
Free cash flow yield 9.55% 7.69% 9.23%

Profitability

Metric CZFS NWFL Banks Regional median
Gross margin 67.14% 66.77% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 23.90% 18.68% 18.82%
Free cash flow margin 21.81% 19.41% 17.97%
Return on equity 12.66% 11.20% 10.28%
Return on assets 1.33% 1.09% 1.13%
Return on invested capital 0.00% 9.03% 8.45%

Growth

Metric CZFS NWFL Banks Regional median
Revenue growth (TTM) 4.45% 42.25% 6.37%
EPS growth (last fiscal year) 30.26% 15,150.00% 18.85%
Revenue growth, 5-year CAGR 16.25% 15.50% 12.65%
Net income growth, 5-year CAGR 7.82% 12.98% 9.81%

Health

Metric CZFS NWFL Banks Regional median
Debt to equity 1.46 0.23 0.17
Current ratio 0.00 0.91 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CZFS NWFL Banks Regional median
Dividend yield 2.36% 3.56% 2.49%
Payout ratio 0.23 0.44 0.29

Size

Metric CZFS NWFL Banks Regional median
Market cap 413.91m 391.51m 934.85m

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