Citizens Community Bancorp, Inc. (CZWI) vs SB Financial Group, Inc. (SBFG)
Citizens Community Bancorp, Inc. and SB Financial Group, Inc. are both Banks Regional companies. Citizens Community Bancorp, Inc. and SB Financial Group, Inc. are of similar size ($204.7M and $192.2M). SB Financial Group, Inc. trades at the lower P/E: 11.1× against 16.3×. SB Financial Group, Inc. grew revenue faster over the last twelve months: 8.95% against 0.57%. SB Financial Group, Inc. has the higher net margin (17.7% vs 12.9%) and the higher return on invested capital (26.8% vs 13.7%). Both pay a dividend; SB Financial Group, Inc. yields more (3.25% vs 2.63%). Across the 20 metrics below, SB Financial Group, Inc. leads on 15 and Citizens Community Bancorp, Inc. on 5.
Valuation
Profitability
| Metric | CZWI | SBFG | Banks Regional median |
|---|---|---|---|
| Gross margin | 64.86% | 72.07% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 12.94% | 17.67% | 18.66% |
| Free cash flow margin | 19.52% | 24.35% | 21.18% |
| Return on equity | 6.84% | 11.95% | 10.64% |
| Return on assets | 0.72% | 1.08% | 1.13% |
| Return on invested capital | 13.73% | 26.76% | 8.33% |
Growth
Health
Dividend
Size
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