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

Metric CZWI FCAP Banks Regional median
P/E 16.29 10.90 12.15
P/S 2.08 2.92 2.37
P/B 1.08 1.41 1.21
Price to free cash flow 10.65 9.26 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.90 1.22 2.27
Earnings yield 6.14% 9.17% 8.11%
Free cash flow yield 9.39% 10.79% 8.98%

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

Metric CZWI FCAP Banks Regional median
Revenue growth (TTM) 0.57% 12.14% 6.61%
EPS growth (last fiscal year) 8.96% 36.97% —
Revenue growth, 5-year CAGR 3.55% 11.30% 12.30%
Net income growth, 5-year CAGR 2.53% 10.07% 9.71%

Health

Metric CZWI FCAP Banks Regional median
Debt to equity 0.00 0.00 0.22
Current ratio 0.96 0.72 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CZWI FCAP Banks Regional median
Dividend yield 2.63% 3.89% 3.75%
Payout ratio 0.19 0.27 0.27

Size

Metric CZWI FCAP Banks Regional median
Market cap 204.68m 204.52m 921.07m

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