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Citizens & Northern Corp (CZNC) vs West Bancorporation, Inc. (WTBA)

Citizens & Northern Corp and West Bancorporation, Inc. are both Banks Regional companies. Citizens & Northern Corp and West Bancorporation, Inc. are of similar size ($523.4M and $507.1M). West Bancorporation, Inc. trades at the lower P/E: 12.9× against 19.2×. Citizens & Northern Corp grew revenue faster over the last twelve months: 19.0% against 0.17%. West Bancorporation, Inc. has the higher net margin (20.2% vs 13.2%) and the higher return on invested capital (10.5% vs 4.65%). Both pay a dividend; Citizens & Northern Corp yields more (4.02% vs 2.46%). Across the 19 metrics below, West Bancorporation, Inc. leads on 13 and Citizens & Northern Corp on 6.

Valuation

Metric CZNC WTBA Banks Regional median
P/E 19.22 12.91 12.02
P/S 2.64 2.62 2.36
P/B 1.46 1.94 1.23
Price to free cash flow 11.25 9.86 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.20% 7.75% 8.21%
Free cash flow yield 8.89% 10.15% 9.23%

Profitability

Metric CZNC WTBA Banks Regional median
Gross margin 74.65% 53.40% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 13.23% 20.22% 18.82%
Free cash flow margin 23.45% 26.53% 17.97%
Return on equity 7.99% 15.45% 10.28%
Return on assets 0.88% 1.03% 1.13%
Return on invested capital 4.65% 10.53% 8.45%

Growth

Metric CZNC WTBA Banks Regional median
Revenue growth (TTM) 19.01% 0.17% 6.37%
EPS growth (last fiscal year) (13.61%) 35.21% 18.85%
Revenue growth, 5-year CAGR 10.84% 12.56% 12.65%
Net income growth, 5-year CAGR 4.00% (0.09%) 9.81%

Health

Metric CZNC WTBA Banks Regional median
Debt to equity 0.45 1.15 0.17
Current ratio 0.91 0.98 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CZNC WTBA Banks Regional median
Dividend yield 4.02% 2.46% 2.49%
Payout ratio 0.77 0.32 0.29

Size

Metric CZNC WTBA Banks Regional median
Market cap 507.11m 523.41m 934.85m

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