Citizens Community Bancorp, Inc. (CZWI) vs Ohio Valley Banc Corp. (OVBC)

Citizens Community Bancorp, Inc. and Ohio Valley Banc Corp. are both Banks Regional companies. Citizens Community Bancorp, Inc. and Ohio Valley Banc Corp. are of similar size ($208.3M and $204.7M). Ohio Valley Banc Corp. trades at the lower P/E: 14.7× against 16.3×. Ohio Valley Banc Corp. grew revenue faster over the last twelve months: 6.17% against 0.57%. Ohio Valley Banc Corp. has the higher net margin (14.3% vs 12.9%) and the lower return on invested capital (7.55% vs 13.7%). Both pay a dividend; Ohio Valley Banc Corp. yields more (3.55% vs 2.63%). Across the 20 metrics below, Ohio Valley Banc Corp. leads on 14 and Citizens Community Bancorp, Inc. on 6.

Valuation

Metric CZWI OVBC Banks Regional median
P/E 16.29 14.67 12.15
P/S 2.08 2.09 2.37
P/B 1.08 1.20 1.21
Price to free cash flow 10.65 3.92 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.90 1.81 2.27
Earnings yield 6.14% 6.82% 8.11%
Free cash flow yield 9.39% 25.54% 8.98%

Profitability

Metric CZWI OVBC Banks Regional median
Gross margin 64.86% 69.79% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.94% 14.31% 18.66%
Free cash flow margin 19.52% 53.49% 21.18%
Return on equity 6.84% 8.50% 10.64%
Return on assets 0.72% 0.90% 1.13%
Return on invested capital 13.73% 7.55% 8.33%

Growth

Metric CZWI OVBC Banks Regional median
Revenue growth (TTM) 0.57% 6.17% 6.61%
EPS growth (last fiscal year) 8.96% 42.67% —
Revenue growth, 5-year CAGR 3.55% 10.34% 12.30%
Net income growth, 5-year CAGR 2.53% 8.75% 9.71%

Health

Metric CZWI OVBC Banks Regional median
Debt to equity 0.00 0.29 0.22
Current ratio 0.96 0.93 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CZWI OVBC Banks Regional median
Dividend yield 2.63% 3.55% 3.75%
Payout ratio 0.19 0.28 0.27

Size

Metric CZWI OVBC Banks Regional median
Market cap 204.68m 208.27m 921.07m

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