CBFV
CB Financial Services, Inc.
Banks - Regional
Market Cap$190M
5Y Perf.+71.9%
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Side-by-side financial analysisCBFV
CZWI
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Stock Comparison
CBFV vs CZWI
Revenue, margins, valuation, and 5-year total return — side by side.
CZWI
Citizens Community Bancorp, Inc.
Banks - Regional
Market Cap$207M
5Y Perf.+212.8%
CBFV vs CZWI — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot |  CBFV |  CZWI |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $190M | $207M |
| Revenue (TTM) | $69M | $90M |
| Net Income (TTM) | $5M | $14M |
| Gross Margin | 62.5% | 54.7% |
| Operating Margin | 7.7% | 7.0% |
| Forward P/E | 12.6x | 11.8x |
| Total Debt | $35M | $52M |
| Cash & Equiv. | $32M | $119M |
CBFV vs CZWI — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
CBFV
CZWI
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| CB Financial Servic… (CBFV) | 100 | 171.9 | +71.9% |
| Citizens Community … (CZWI) | 100 | 312.8 | +212.8% |
Price return only. Dividends and distributions are not included.
Quick Verdict: CBFV vs CZWI
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: CZWI leads in 5 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. CB Financial Services, Inc. is the stronger pick specifically for capital preservation and lower volatility and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
🥇CZWI emerged as the overall leader. Track its performance:
CBFV
CB Financial Services, Inc.
The Banking Pick
CBFV is the clearest fit if your priority is income & stability and sleep-well-at-night.
- Dividend streak 1 yrs, beta 0.41, yield 2.6%
- Lower volatility, beta 0.41, Low D/E 22.1%, current ratio 0.02x
- Beta 0.41, yield 2.6%, current ratio 0.02x
Best for: income & stability and sleep-well-at-night
CZWI
Citizens Community Bancorp, Inc.
The Banking Pick
CZWI carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth -9.4%, EPS growth 9.0%
- 149.0% 10Y total return vs CBFV's 114.0%
- -9.4% NII/revenue growth vs CBFV's -13.3%
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth |  CZWI | -9.4% NII/revenue growth vs CBFV's -13.3% |
| Value | CZWI | Lower P/E (11.8x vs 12.6x) |
| Quality / Margins | CZWI | Efficiency ratio 0.5% vs CBFV's 0.5% (lower = leaner) |
| Stability / Safety |  CBFV | Beta 0.41 vs CZWI's 0.50, lower leverage |
| Dividends | CBFV | 2.6% yield, 1-year raise streak, vs CZWI's 1.7% |
| Momentum (1Y) | CZWI | +52.1% vs CBFV's +34.6% |
| Efficiency (ROA) | CZWI | Efficiency ratio 0.5% vs CBFV's 0.5% |
CBFV vs CZWI — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
CBFV vs CZWI — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLCBFVLAGGINGCZWI
CZWICitizens Community Ba…
2leads
CBFVCB Financial Services…
3leads
6 Total Categories
CATEGORYLEADERvs CZWIMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
CBFV4/5
Valuation MetricsMultiples, price ratios, and targets
CZWI5/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
CBFV5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
CZWI5/6
Risk & VolatilityBeta, volatility, and downside exposure
CBFV2/2
Analyst OutlookRatings, price targets, and dividends
Tied
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Income & Cash Flow (Last 12 Months)
CBFV leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
CZWI and CBFV operate at a comparable scale, with $90M and $69M in trailing revenue. CZWI is the more profitable business, keeping 16.0% of every revenue dollar as net income compared to CBFV's 7.1%.
| Metric | CBFVCB Financial Serv… | CZWICitizens Communit… |
|---|---|---|
| RevenueTrailing 12 months | $69M | $90M |
| EBITDAEarnings before interest/tax | $7M | $9M |
| Net IncomeAfter-tax profit | $5M | $14M |
| Free Cash FlowCash after capex | $17M | $11M |
| Gross MarginGross profit ÷ Revenue | +62.5% | +54.7% |
| Operating MarginEBIT ÷ Revenue | +7.7% | +7.0% |
| Net MarginNet income ÷ Revenue | +7.1% | +16.0% |
| FCF MarginFCF ÷ Revenue | +24.8% | +12.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +93.5% | +63.0% |
CBFV leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
CZWI leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
At 14.7x trailing earnings, CZWI trades at a 64% valuation discount to CBFV's 40.8x P/E. On an enterprise value basis, CZWI's 15.7x EV/EBITDA is more attractive than CBFV's 27.2x.
| Metric | CBFVCB Financial Serv… | CZWICitizens Communit… |
|---|---|---|
| Market CapShares × price | $190M | $207M |
| Enterprise ValueMkt cap + debt − cash | $193M | $140M |
| Trailing P/EPrice ÷ TTM EPS | 40.78x | 14.70x |
| Forward P/EPrice ÷ next-FY EPS est. | 12.62x | 11.79x |
| PEG RatioP/E ÷ EPS growth rate | — | 2.90x |
| EV / EBITDAEnterprise value multiple | 27.19x | 15.69x |
| Price / SalesMarket cap ÷ Revenue | 2.77x | 2.29x |
| Price / BookPrice ÷ Book value/share | 1.26x | 1.11x |
| Price / FCFMarket cap ÷ FCF | 11.09x | 19.90x |
CZWI leads this category, winning 5 of 6 comparable metrics.
Profitability & Efficiency
CBFV leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
CZWI delivers a 7.8% return on equity — every $100 of shareholder capital generates $8 in annual profit, vs $3 for CBFV. CBFV carries lower financial leverage with a 0.22x debt-to-equity ratio, signaling a more conservative balance sheet compared to CZWI's 0.28x. On the Piotroski fundamental quality scale (0–9), CZWI scores 6/9 vs CBFV's 5/9, reflecting solid financial health.
| Metric | CBFVCB Financial Serv… | CZWICitizens Communit… |
|---|---|---|
| ROE (TTM)Return on equity | +3.2% | +7.8% |
| ROA (TTM)Return on assets | +0.3% | +0.8% |
| ROICReturn on invested capital | +2.1% | +2.0% |
| ROCEReturn on capital employed | +2.9% | +0.6% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 6 |
| Debt / EquityFinancial leverage | 0.22x | 0.28x |
| Net DebtTotal debt minus cash | $3M | -$67M |
| Cash & Equiv.Liquid assets | $32M | $119M |
| Total DebtShort + long-term debt | $35M | $52M |
| Interest CoverageEBIT ÷ Interest expense | 0.21x | 0.16x |
CBFV leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
CZWI leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in CBFV five years ago would be worth $19,369 today (with dividends reinvested), compared to $16,900 for CZWI. Over the past 12 months, CZWI leads with a +52.1% total return vs CBFV's +34.6%. The 3-year compound annual growth rate (CAGR) favors CZWI at 36.4% vs CBFV's 26.8% — a key indicator of consistent wealth creation.
| Metric | CBFVCB Financial Serv… | CZWICitizens Communit… |
|---|---|---|
| YTD ReturnYear-to-date | +9.8% | +24.3% |
| 1-Year ReturnPast 12 months | +34.6% | +52.1% |
| 3-Year ReturnCumulative with dividends | +103.8% | +153.7% |
| 5-Year ReturnCumulative with dividends | +93.7% | +69.0% |
| 10-Year ReturnCumulative with dividends | +114.0% | +149.0% |
| CAGR (3Y)Annualised 3-year return | +26.8% | +36.4% |
CZWI leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
CBFV leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
CBFV is the less volatile stock with a 0.41 beta — it tends to amplify market swings less than CZWI's 0.50 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. CBFV currently trades 98.9% from its 52-week high vs CZWI's 94.9% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | CBFVCB Financial Serv… | CZWICitizens Communit… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.41x | 0.50x |
| 52-Week HighHighest price in past year | $37.92 | $22.62 |
| 52-Week LowLowest price in past year | $27.11 | $12.83 |
| % of 52W HighCurrent price vs 52-week peak | +98.9% | +94.9% |
| RSI (14)Momentum oscillator 0–100 | 67.1 | 51.2 |
| Avg Volume (50D)Average daily shares traded | 4K | 41K |
CBFV leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — CBFV and CZWI each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates CBFV as "Hold" and CZWI as "Buy". For income investors, CBFV offers the higher dividend yield at 2.58% vs CZWI's 1.73%.
| Metric | CBFVCB Financial Serv… | CZWICitizens Communit… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | — | — |
| # AnalystsCovering analysts | 3 | 2 |
| Dividend YieldAnnual dividend ÷ price | +2.6% | +1.7% |
| Dividend StreakConsecutive years of raises | 1 | 6 |
| Dividend / ShareAnnual DPS | $0.97 | $0.37 |
| Buyback YieldShare repurchases ÷ mkt cap | +3.6% | +3.0% |
Evenly matched — CBFV and CZWI each lead in 1 of 2 comparable metrics.
Key Takeaway
CBFV leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). CZWI leads in 2 (Valuation Metrics, Total Returns). 1 tied.
Best OverallCB Financial Services, Inc. (CBFV)Leads 3 of 6 categories
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CBFV vs CZWI: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is CBFV or CZWI a better buy right now?
For growth investors, Citizens Community Bancorp, Inc.
(CZWI) is the stronger pick with -9. 4% revenue growth year-over-year, versus -13. 3% for CB Financial Services, Inc. (CBFV). Citizens Community Bancorp, Inc. (CZWI) offers the better valuation at 14. 7x trailing P/E (11. 8x forward), making it the more compelling value choice. Analysts rate Citizens Community Bancorp, Inc. (CZWI) a "Buy" — based on 2 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — CBFV or CZWI?
On trailing P/E, Citizens Community Bancorp, Inc.
(CZWI) is the cheapest at 14. 7x versus CB Financial Services, Inc. at 40. 8x. On forward P/E, Citizens Community Bancorp, Inc. is actually cheaper at 11. 8x.
03Which is the better long-term investment — CBFV or CZWI?
Over the past 5 years, CB Financial Services, Inc.
(CBFV) delivered a total return of +93. 7%, compared to +69. 0% for Citizens Community Bancorp, Inc. (CZWI). Over 10 years, the gap is even starker: CZWI returned +149. 0% versus CBFV's +114. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — CBFV or CZWI?
By beta (market sensitivity over 5 years), CB Financial Services, Inc.
(CBFV) is the lower-risk stock at 0. 41β versus Citizens Community Bancorp, Inc. 's 0. 50β — meaning CZWI is approximately 20% more volatile than CBFV relative to the S&P 500. On balance sheet safety, CB Financial Services, Inc. (CBFV) carries a lower debt/equity ratio of 22% versus 28% for Citizens Community Bancorp, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — CBFV or CZWI?
By revenue growth (latest reported year), Citizens Community Bancorp, Inc.
(CZWI) is pulling ahead at -9. 4% versus -13. 3% for CB Financial Services, Inc. (CBFV). On earnings-per-share growth, the picture is similar: Citizens Community Bancorp, Inc. grew EPS 9. 0% year-over-year, compared to -61. 3% for CB Financial Services, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — CBFV or CZWI?
Citizens Community Bancorp, Inc.
(CZWI) is the more profitable company, earning 16. 0% net margin versus 7. 1% for CB Financial Services, Inc. — meaning it keeps 16. 0% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: CBFV leads at 7. 7% versus 7. 0% for CZWI. At the gross margin level — before operating expenses — CBFV leads at 62. 5%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is CBFV or CZWI more undervalued right now?
On forward earnings alone, Citizens Community Bancorp, Inc.
(CZWI) trades at 11. 8x forward P/E versus 12. 6x for CB Financial Services, Inc. — 0. 8x cheaper on a one-year earnings basis.
08Which pays a better dividend — CBFV or CZWI?
All stocks in this comparison pay dividends.
CB Financial Services, Inc. (CBFV) offers the highest yield at 2. 6%, versus 1. 7% for Citizens Community Bancorp, Inc. (CZWI).
09Is CBFV or CZWI better for a retirement portfolio?
For long-horizon retirement investors, CB Financial Services, Inc.
(CBFV) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 41), 2. 6% yield, +114. 0% 10Y return). Both have compounded well over 10 years (CBFV: +114. 0%, CZWI: +149. 0%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between CBFV and CZWI?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: CBFV is a small-cap quality compounder stock; CZWI is a small-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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