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Citizens Community Bancorp, Inc. (CZWI) vs Rhinebeck Bancorp, Inc. (RBKB)

Citizens Community Bancorp, Inc. and Rhinebeck Bancorp, Inc. are both Banks Regional companies. Citizens Community Bancorp, Inc. and Rhinebeck Bancorp, Inc. are of similar size ($203.7M and $200.9M). Citizens Community Bancorp, Inc. trades at the lower P/E: 16.2× against 17.9×. Rhinebeck Bancorp, Inc. grew revenue faster over the last twelve months: 34.3% against 0.57%. Rhinebeck Bancorp, Inc. has the higher net margin (13.0% vs 12.9%) and the lower return on invested capital (0.00% vs 13.7%). Across the 17 metrics below, Rhinebeck Bancorp, Inc. leads on 11 and Citizens Community Bancorp, Inc. on 6.

Valuation

Metric CZWI RBKB Banks Regional median
P/E 16.21 17.86 11.98
P/S 2.07 1.83 2.34
P/B 1.07 1.00 1.19
Price to free cash flow 10.59 10.43 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.17% 5.60% 8.23%
Free cash flow yield 9.44% 9.58% 9.08%

Profitability

Metric CZWI RBKB Banks Regional median
Gross margin 64.86% 70.48% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.94% 12.99% 18.66%
Free cash flow margin 19.52% 17.56% 21.11%
Return on equity 6.84% 7.35% 10.65%
Return on assets 0.72% 0.72% 1.13%
Return on invested capital 13.73% 0.00% 8.35%

Growth

Metric CZWI RBKB Banks Regional median
Revenue growth (TTM) 0.57% 34.27% 6.98%
EPS growth (last fiscal year) 8.96% 215.01% 18.88%
Revenue growth, 5-year CAGR 3.55% 7.55% 12.38%
Net income growth, 5-year CAGR 2.53% 11.17% 9.71%

Health

Metric CZWI RBKB Banks Regional median
Debt to equity 0.00 0.07 0.22
Current ratio 0.96 0.94 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CZWI RBKB Banks Regional median
Dividend yield 1.48% — 2.57%
Payout ratio 0.24 — 0.30

Size

Metric CZWI RBKB Banks Regional median
Market cap 203.71m 200.92m 913.33m

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