Citizens Community Bancorp, Inc. (CZWI) vs Landmark Bancorp Inc. (LARK)

Citizens Community Bancorp, Inc. and Landmark Bancorp Inc. are both Banks Regional companies. Citizens Community Bancorp, Inc. and Landmark Bancorp Inc. are of similar size ($204.7M and $191.1M). Landmark Bancorp Inc. trades at the lower P/E: 9.7× against 16.3×. Landmark Bancorp Inc. grew revenue faster over the last twelve months: 6.39% against 0.57%. Landmark Bancorp Inc. has the higher net margin (20.6% vs 12.9%) and the lower return on invested capital (6.52% vs 13.7%). Both pay a dividend; Landmark Bancorp Inc. yields more (4.23% vs 2.63%). Across the 20 metrics below, Landmark Bancorp Inc. leads on 14 and Citizens Community Bancorp, Inc. on 6.

Valuation

Metric CZWI LARK Banks Regional median
P/E 16.29 9.69 12.15
P/S 2.08 1.99 2.37
P/B 1.08 1.17 1.21
Price to free cash flow 10.65 8.32 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.90 2.74 2.27
Earnings yield 6.14% 10.32% 8.11%
Free cash flow yield 9.39% 12.02% 8.98%

Profitability

Metric CZWI LARK Banks Regional median
Gross margin 64.86% 76.42% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.94% 20.56% 18.66%
Free cash flow margin 19.52% 23.94% 21.18%
Return on equity 6.84% 12.77% 10.64%
Return on assets 0.72% 1.25% 1.13%
Return on invested capital 13.73% 6.52% 8.33%

Growth

Metric CZWI LARK Banks Regional median
Revenue growth (TTM) 0.57% 6.39% 6.61%
EPS growth (last fiscal year) 8.96% 42.63% —
Revenue growth, 5-year CAGR 3.55% 7.58% 12.30%
Net income growth, 5-year CAGR 2.53% (0.75%) 9.71%

Health

Metric CZWI LARK Banks Regional median
Debt to equity 0.00 0.63 0.22
Current ratio 0.96 0.87 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CZWI LARK Banks Regional median
Dividend yield 2.63% 4.23% 3.75%
Payout ratio 0.19 0.41 0.27

Size

Metric CZWI LARK Banks Regional median
Market cap 204.68m 191.07m 921.07m

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