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Screener Weekly Summary Pricing

Citizens Financial Services Inc. (CZFS) vs Parke Bancorp, Inc. (PKBK)

Citizens Financial Services Inc. and Parke Bancorp, Inc. are both Banks Regional companies. Citizens Financial Services Inc. and Parke Bancorp, Inc. are of similar size ($397.3M and $394.4M). Parke Bancorp, Inc. trades at the lower P/E: 8.7× against 9.4×. Parke Bancorp, Inc. grew revenue faster over the last twelve months: 10.7% against 3.35%. Parke Bancorp, Inc. has the higher net margin (30.0% vs 23.3%) and the higher return on invested capital (11.8% vs 4.48%). Both pay a dividend; Parke Bancorp, Inc. yields more (4.19% vs 3.89%). Across the 20 metrics below, Parke Bancorp, Inc. leads on 15 and Citizens Financial Services Inc. on 5.

Valuation

Metric CZFS PKBK Banks Regional median
P/E 9.35 8.68 12.15
P/S 2.18 2.59 2.37
P/B 1.09 1.15 1.21
Price to free cash flow 10.41 8.91 10.80
EV/EBITDA n/m n/m —
EV/Sales 4.17 2.41 2.27
Earnings yield 10.69% 11.52% 8.11%
Free cash flow yield 9.61% 11.23% 8.98%

Profitability

Metric CZFS PKBK Banks Regional median
Gross margin 67.06% 59.35% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 23.31% 29.98% 18.66%
Free cash flow margin 20.95% 29.12% 21.18%
Return on equity 12.32% 13.92% 10.64%
Return on assets 1.33% 2.05% 1.13%
Return on invested capital 4.48% 11.75% 8.33%

Growth

Metric CZFS PKBK Banks Regional median
Revenue growth (TTM) 3.35% 10.66% 6.61%
EPS growth (last fiscal year) 30.26% 39.21% —
Revenue growth, 5-year CAGR 16.25% 10.49% 12.30%
Net income growth, 5-year CAGR 7.82% 5.86% 9.71%

Health

Metric CZFS PKBK Banks Regional median
Debt to equity 1.12 0.51 0.22
Current ratio 1.02 1.25 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CZFS PKBK Banks Regional median
Dividend yield 3.89% 4.19% 3.75%
Payout ratio — 0.22 0.27

Size

Metric CZFS PKBK Banks Regional median
Market cap 394.41m 397.30m 921.07m

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