Pricing Log in Create free account

Citizens Community Bancorp, Inc. (CZWI) vs Meridian Bank (MRBK)

Citizens Community Bancorp, Inc. and Meridian Bank are both Banks Regional companies. Citizens Community Bancorp, Inc. and Meridian Bank are of similar size ($219.6M and $203.7M). Meridian Bank trades at the lower P/E: 9.9× against 16.2×. Meridian Bank grew revenue faster over the last twelve months: 0.72% against 0.57%. Citizens Community Bancorp, Inc. has the higher net margin (12.9% vs 10.6%) and the higher return on invested capital (13.7% vs 8.03%). Both pay a dividend; Meridian Bank yields more (2.94% vs 1.48%). Across the 19 metrics below, Meridian Bank leads on 10 and Citizens Community Bancorp, Inc. on 9.

Valuation

Metric CZWI MRBK Banks Regional median
P/E 16.21 9.90 11.98
P/S 2.07 1.07 2.34
P/B 1.07 1.07 1.19
Price to free cash flow 10.59 11.76 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.17% 10.10% 8.23%
Free cash flow yield 9.44% 8.50% 9.08%

Profitability

Metric CZWI MRBK Banks Regional median
Gross margin 64.86% 63.55% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.94% 10.57% 18.66%
Free cash flow margin 19.52% 9.11% 21.11%
Return on equity 6.84% 11.31% 10.65%
Return on assets 0.72% 0.85% 1.13%
Return on invested capital 13.73% 8.03% 8.35%

Growth

Metric CZWI MRBK Banks Regional median
Revenue growth (TTM) 0.57% 0.72% 6.98%
EPS growth (last fiscal year) 8.96% 30.34% 18.88%
Revenue growth, 5-year CAGR 3.55% 6.56% 12.38%
Net income growth, 5-year CAGR 2.53% (3.75%) 9.71%

Health

Metric CZWI MRBK Banks Regional median
Debt to equity 0.00 0.24 0.22
Current ratio 0.96 0.98 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CZWI MRBK Banks Regional median
Dividend yield 1.48% 2.94% 2.57%
Payout ratio 0.24 0.30 0.30

Size

Metric CZWI MRBK Banks Regional median
Market cap 203.71m 219.61m 913.33m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack