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Citizens Financial Services Inc. (CZFS) vs Plumas Bancorp (PLBC)

Citizens Financial Services Inc. and Plumas Bancorp are both Banks Regional companies. Citizens Financial Services Inc. and Plumas Bancorp are of similar size ($435.6M and $413.9M). Citizens Financial Services Inc. trades at the lower P/E: 9.6× against 10.4×. Plumas Bancorp grew revenue faster over the last twelve months: 29.6% against 4.45%. Plumas Bancorp has the higher net margin (31.7% vs 23.9%) and the higher return on invested capital (23.1% vs 0.00%). Both pay a dividend; Citizens Financial Services Inc. yields more (2.36% vs 2.11%). Across the 19 metrics below, Plumas Bancorp leads on 13 and Citizens Financial Services Inc. on 6.

Valuation

Metric CZFS PLBC Banks Regional median
P/E 9.55 10.36 12.02
P/S 2.28 3.28 2.36
P/B 1.17 1.66 1.23
Price to free cash flow 10.47 9.40 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.47% 9.66% 8.21%
Free cash flow yield 9.55% 10.63% 9.23%

Profitability

Metric CZFS PLBC Banks Regional median
Gross margin 67.14% 86.55% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 23.90% 31.72% 18.82%
Free cash flow margin 21.81% 31.85% 17.97%
Return on equity 12.66% 16.55% 10.28%
Return on assets 1.33% 1.87% 1.13%
Return on invested capital 0.00% 23.14% 8.45%

Growth

Metric CZFS PLBC Banks Regional median
Revenue growth (TTM) 4.45% 29.63% 6.37%
EPS growth (last fiscal year) 30.26% (5.42%) 18.85%
Revenue growth, 5-year CAGR 16.25% 18.46% 12.65%
Net income growth, 5-year CAGR 7.82% 15.39% 9.81%

Health

Metric CZFS PLBC Banks Regional median
Debt to equity 1.46 0.00 0.17
Current ratio 0.00 0.86 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CZFS PLBC Banks Regional median
Dividend yield 2.36% 2.11% 2.49%
Payout ratio 0.23 0.22 0.29

Size

Metric CZFS PLBC Banks Regional median
Market cap 413.91m 435.57m 934.85m

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