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

Citizens Financial Services Inc. and RBB Bancorp are both Banks Regional companies. Citizens Financial Services Inc. and RBB Bancorp are of similar size ($429.9M and $410.5M). Citizens Financial Services Inc. trades at the lower P/E: 10.1× against 10.7×. Citizens Financial Services Inc. grew revenue faster over the last twelve months: 3.35% against 3.04%. Citizens Financial Services Inc. has the higher net margin (23.3% vs 17.3%) and the lower return on invested capital (4.48% vs 6.37%). Both pay a dividend; RBB Bancorp yields more (2.45% vs 2.34%). Across the 19 metrics below, Citizens Financial Services Inc. leads on 10 and RBB Bancorp on 9.

Valuation

Metric CZFS RBB Banks Regional median
P/E 10.08 10.67 12.46
P/S 2.35 1.84 2.41
P/B 1.17 0.83 1.26
Price to free cash flow 11.22 8.16 11.00
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.92% 9.37% 7.96%
Free cash flow yield 8.92% 12.25% 8.80%

Profitability

Metric CZFS RBB Banks Regional median
Gross margin 67.06% 54.87% 69.75%
Operating margin 0.00% 0.00% 0.00%
Net margin 23.31% 17.26% 18.88%
Free cash flow margin 20.95% 23.01% 17.28%
Return on equity 12.32% 7.93% 10.43%
Return on assets 1.33% 1.00% 1.14%
Return on invested capital 4.48% 6.37% 8.47%

Growth

Metric CZFS RBB Banks Regional median
Revenue growth (TTM) 3.35% 3.04% 6.94%
EPS growth (last fiscal year) 30.26% 24.49% 18.88%
Revenue growth, 5-year CAGR 16.25% 9.22% 12.56%
Net income growth, 5-year CAGR 7.82% (0.60%) 9.78%

Health

Metric CZFS RBB Banks Regional median
Debt to equity 1.12 0.55 0.20
Current ratio 1.02 1.07 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CZFS RBB Banks Regional median
Dividend yield 2.34% 2.45% 2.64%
Payout ratio 0.24 0.26 0.32

Size

Metric CZFS RBB Banks Regional median
Market cap 410.52m 429.93m 910.32m

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