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

Metric CZWI SBFG Banks Regional median
P/E 16.29 11.14 12.15
P/S 2.08 1.95 2.37
P/B 1.08 1.26 1.21
Price to free cash flow 10.65 8.02 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.90 0.92 2.27
Earnings yield 6.14% 8.98% 8.11%
Free cash flow yield 9.39% 12.47% 8.98%

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

Metric CZWI SBFG Banks Regional median
Revenue growth (TTM) 0.57% 8.95% 6.61%
EPS growth (last fiscal year) 8.96% 27.33% —
Revenue growth, 5-year CAGR 3.55% 4.59% 12.30%
Net income growth, 5-year CAGR 2.53% (1.33%) 9.71%

Health

Metric CZWI SBFG Banks Regional median
Debt to equity 0.00 0.29 0.22
Current ratio 0.96 0.95 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CZWI SBFG Banks Regional median
Dividend yield 2.63% 3.25% 3.75%
Payout ratio 0.19 0.28 0.27

Size

Metric CZWI SBFG Banks Regional median
Market cap 204.68m 192.15m 921.07m

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