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Citizens Community Bancorp, Inc. (CZWI) vs GBank Financial Holdings Inc. (GBFH)

Citizens Community Bancorp, Inc. and GBank Financial Holdings Inc. are both Banks Regional companies. Citizens Community Bancorp, Inc. and GBank Financial Holdings Inc. are of similar size ($227.4M and $224.3M). GBank Financial Holdings Inc. trades at the lower P/E: 12.0× against 18.2×. GBank Financial Holdings Inc. grew revenue faster over the last twelve months: 20.0% against 0.57%. GBank Financial Holdings Inc. has the higher net margin (15.4% vs 12.9%) and the higher return on invested capital (23.9% vs 13.7%). Across the 16 metrics below, GBank Financial Holdings Inc. leads on 13 and Citizens Community Bancorp, Inc. on 3.

Valuation

Metric CZWI GBFH Banks Regional median
P/E 18.19 12.02 12.02
P/S 2.32 1.87 2.36
P/B 1.20 1.30 1.23
Price to free cash flow 11.89 7.22 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.50% 8.32% 8.21%
Free cash flow yield 8.41% 13.84% 9.23%

Profitability

Metric CZWI GBFH Banks Regional median
Gross margin 64.86% 68.90% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.94% 15.44% 18.82%
Free cash flow margin 19.52% 25.93% 17.97%
Return on equity 6.84% 11.39% 10.28%
Return on assets 0.72% 1.39% 1.13%
Return on invested capital 13.73% 23.93% 8.45%

Growth

Metric CZWI GBFH Banks Regional median
Revenue growth (TTM) 0.57% 19.95% 6.37%
EPS growth (last fiscal year) 8.96% 5.11% 18.85%
Revenue growth, 5-year CAGR 3.55% — 12.65%
Net income growth, 5-year CAGR 2.53% — 9.81%

Health

Metric CZWI GBFH Banks Regional median
Debt to equity 0.00 0.18 0.17
Current ratio 0.96 1.02 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

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

Size

Metric CZWI GBFH Banks Regional median
Market cap 227.41m 224.33m 934.85m

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