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Citizens Financial Services Inc. (CZFS) vs PCB Bancorp (PCB)

Citizens Financial Services Inc. and PCB Bancorp are both Banks Regional companies. Citizens Financial Services Inc. and PCB Bancorp are of similar size ($390.4M and $380.6M). Citizens Financial Services Inc. trades at the lower P/E: 9.4× against 9.6×. PCB Bancorp grew revenue faster over the last twelve months: 6.34% against 3.35%. Citizens Financial Services Inc. has the higher net margin (23.3% vs 19.4%) and the lower return on invested capital (4.48% vs 16.3%). Both pay a dividend; PCB Bancorp yields more (3.07% vs 2.52%). Across the 19 metrics below, PCB Bancorp leads on 12 and Citizens Financial Services Inc. on 7.

Valuation

Metric CZFS PCB Banks Regional median
P/E 9.37 9.64 11.98
P/S 2.18 1.85 2.34
P/B 1.09 1.19 1.19
Price to free cash flow 10.43 9.66 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.67% 10.37% 8.23%
Free cash flow yield 9.59% 10.36% 9.08%

Profitability

Metric CZFS PCB Banks Regional median
Gross margin 67.06% 56.62% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 23.31% 19.35% 18.66%
Free cash flow margin 20.95% 19.21% 21.11%
Return on equity 12.32% 12.89% 10.65%
Return on assets 1.33% 1.22% 1.13%
Return on invested capital 4.48% 16.25% 8.35%

Growth

Metric CZFS PCB Banks Regional median
Revenue growth (TTM) 3.35% 6.34% 6.98%
EPS growth (last fiscal year) 30.26% 48.28% 18.88%
Revenue growth, 5-year CAGR 16.25% 18.00% 12.38%
Net income growth, 5-year CAGR 7.82% 17.91% 9.71%

Health

Metric CZFS PCB Banks Regional median
Debt to equity 1.12 0.22 0.22
Current ratio 1.02 1.07 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CZFS PCB Banks Regional median
Dividend yield 2.52% 3.07% 2.57%
Payout ratio 0.24 0.30 0.30

Size

Metric CZFS PCB Banks Regional median
Market cap 380.56m 390.44m 913.33m

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