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Citizens Community Bancorp, Inc. (CZWI) vs Eagle Financial Services Inc. (EFSI)

Citizens Community Bancorp, Inc. and Eagle Financial Services Inc. are both Banks Regional companies. Citizens Community Bancorp, Inc. and Eagle Financial Services Inc. are of similar size ($245.4M and $227.4M). Eagle Financial Services Inc. trades at the lower P/E: 13.1× against 18.2×. Eagle Financial Services Inc. grew revenue faster over the last twelve months: 15.8% against 0.57%. Eagle Financial Services Inc. has the higher net margin (15.2% vs 12.9%) and the higher return on invested capital (18.6% vs 13.7%). Across the 18 metrics below, Eagle Financial Services Inc. leads on 11 and Citizens Community Bancorp, Inc. on 7.

Valuation

Metric CZWI EFSI Banks Regional median
P/E 18.19 13.10 12.02
P/S 2.32 1.99 2.36
P/B 1.20 1.26 1.23
Price to free cash flow 11.89 17.20 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.50% 7.64% 8.21%
Free cash flow yield 8.41% 5.82% 9.23%

Profitability

Metric CZWI EFSI Banks Regional median
Gross margin 64.86% 73.61% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.94% 15.16% 18.82%
Free cash flow margin 19.52% 11.60% 17.97%
Return on equity 6.84% 9.98% 10.28%
Return on assets 0.72% 0.96% 1.13%
Return on invested capital 13.73% 18.55% 8.45%

Growth

Metric CZWI EFSI Banks Regional median
Revenue growth (TTM) 0.57% 15.82% 6.37%
EPS growth (last fiscal year) 8.96% (63.19%) 18.85%
Revenue growth, 5-year CAGR 3.55% 17.40% 12.65%
Net income growth, 5-year CAGR 2.53% (5.97%) 9.81%

Health

Metric CZWI EFSI Banks Regional median
Debt to equity 0.00 0.15 0.17
Current ratio 0.96 1.02 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CZWI EFSI Banks Regional median
Dividend yield 1.83% — 2.49%
Payout ratio 0.33 — 0.29

Size

Metric CZWI EFSI Banks Regional median
Market cap 227.41m 245.44m 934.85m

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