Citizens Community Bancorp, Inc. (CZWI) vs First Capital, Inc. (FCAP)
Citizens Community Bancorp, Inc. and First Capital, Inc. are both Banks Regional companies. Citizens Community Bancorp, Inc. and First Capital, Inc. are of similar size ($204.7M and $204.5M). First Capital, Inc. trades at the lower P/E: 10.9× against 16.3×. First Capital, Inc. grew revenue faster over the last twelve months: 12.1% against 0.57%. First Capital, Inc. has the higher net margin (26.8% vs 12.9%) and the lower return on invested capital (0.00% vs 13.7%). Both pay a dividend; First Capital, Inc. yields more (3.89% vs 2.63%). Across the 19 metrics below, First Capital, Inc. leads on 14 and Citizens Community Bancorp, Inc. on 5.
Valuation
Profitability
| Metric | CZWI | FCAP | Banks Regional median |
|---|---|---|---|
| Gross margin | 64.86% | 79.17% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 12.94% | 26.79% | 18.66% |
| Free cash flow margin | 19.52% | 31.53% | 21.18% |
| Return on equity | 6.84% | 13.88% | 10.64% |
| Return on assets | 0.72% | 1.46% | 1.13% |
| Return on invested capital | 13.73% | 0.00% | 8.33% |
Growth
Health
Dividend
Size
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