Citizens Community Bancorp, Inc. (CZWI) vs First Internet Bancorp (INBK)

Citizens Community Bancorp, Inc. and First Internet Bancorp are both Banks Regional companies. Citizens Community Bancorp, Inc. and First Internet Bancorp are of similar size ($227.4M and $225.1M). First Internet Bancorp trades at the lower P/E: 15.1× against 18.2×. First Internet Bancorp grew revenue faster over the last twelve months: 7.39% against 0.57%. Citizens Community Bancorp, Inc. has the higher net margin (12.9% vs 4.27%) and the higher return on invested capital (13.7% vs 13.4%). Both pay a dividend; Citizens Community Bancorp, Inc. yields more (1.83% vs 0.93%). Across the 19 metrics below, Citizens Community Bancorp, Inc. leads on 10 and First Internet Bancorp on 9.

Valuation

Metric CZWI INBK Banks Regional median
P/E 18.19 15.05 12.02
P/S 2.32 0.65 2.36
P/B 1.20 0.64 1.23
Price to free cash flow 11.89 1.49 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.50% 6.64% 8.21%
Free cash flow yield 8.41% 67.13% 9.23%

Profitability

Metric CZWI INBK Banks Regional median
Gross margin 64.86% 48.36% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.94% 4.27% 18.82%
Free cash flow margin 19.52% 43.35% 17.97%
Return on equity 6.84% 4.24% 10.28%
Return on assets 0.72% 0.26% 1.13%
Return on invested capital 13.73% 13.36% 8.45%

Growth

Metric CZWI INBK Banks Regional median
Revenue growth (TTM) 0.57% 7.39% 6.37%
EPS growth (last fiscal year) 8.96% (239.93%) 18.85%
Revenue growth, 5-year CAGR 3.55% 13.27% 12.65%
Net income growth, 5-year CAGR 2.53% 0.00% 9.81%

Health

Metric CZWI INBK Banks Regional median
Debt to equity 0.00 1.02 0.17
Current ratio 0.96 0.88 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CZWI INBK Banks Regional median
Dividend yield 1.83% 0.93% 2.49%
Payout ratio 0.33 0.14 0.29

Size

Metric CZWI INBK Banks Regional median
Market cap 227.41m 225.06m 934.85m

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