EFSI
Eagle Financial Services, Inc.
Banks - Regional
Market Cap$233M
5Y Perf.+67.8%
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Side-by-side financial analysisEFSI
CZWI
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Stock Comparison
EFSI 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%
EFSI vs CZWI — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot |  EFSI |  CZWI |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $233M | $207M |
| Revenue (TTM) | $105M | $90M |
| Net Income (TTM) | $8M | $14M |
| Gross Margin | 61.6% | 54.7% |
| Operating Margin | 9.5% | 7.0% |
| Forward P/E | 13.0x | 11.8x |
| Total Debt | $70M | $52M |
| Cash & Equiv. | $14M | $119M |
EFSI vs CZWI — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
EFSI
CZWI
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| Eagle Financial Ser… (EFSI) | 100 | 167.8 | +67.8% |
| Citizens Community … (CZWI) | 100 | 312.8 | +212.8% |
Price return only. Dividends and distributions are not included.
Quick Verdict: EFSI 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 valuation and capital efficiency and profitability and margin quality. Eagle Financial Services, Inc. is the stronger pick specifically for growth and revenue expansion 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:
EFSI
Eagle Financial Services, Inc.
The Banking Pick
EFSI is the clearest fit if your priority is income & stability and growth exposure.
- Dividend streak 23 yrs, beta 0.61, yield 2.6%
- Rev growth -1.3%, EPS growth -63.2%
- NIM 3.3% vs CZWI's 2.9%
Best for: income & stability and growth exposure
CZWI
Citizens Community Bancorp, Inc.
The Banking Pick
CZWI carries the broadest edge in this set and is the clearest fit for long-term compounding and sleep-well-at-night.
- 149.0% 10Y total return vs EFSI's 132.4%
- Lower volatility, beta 0.50, Low D/E 27.6%, current ratio 3015.31x
- Beta 0.50, yield 1.7%, current ratio 3015.31x
Best for: long-term compounding and sleep-well-at-night
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth |  EFSI | -1.3% NII/revenue growth vs CZWI's -9.4% |
| Value |  CZWI | Lower P/E (11.8x vs 13.0x) |
| Quality / Margins | CZWI | Efficiency ratio 0.5% vs EFSI's 0.5% (lower = leaner) |
| Stability / Safety | CZWI | Beta 0.50 vs EFSI's 0.61, lower leverage |
| Dividends | EFSI | 2.6% yield, 23-year raise streak, vs CZWI's 1.7% |
| Momentum (1Y) | CZWI | +52.1% vs EFSI's +47.1% |
| Efficiency (ROA) | CZWI | Efficiency ratio 0.5% vs EFSI's 0.5% |
EFSI vs CZWI — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
EFSI vs CZWI — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLCZWILAGGINGEFSI
EFSIEagle Financial Servi…
1leads
CZWICitizens Community Ba…
4leads
6 Total Categories
CATEGORYLEADERvs EFSIMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
CZWI3/5
Valuation MetricsMultiples, price ratios, and targets
CZWI4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
CZWI6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
CZWI6/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
EFSI2/2
Income & Cash Flow (Last 12 Months)
CZWI leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
EFSI and CZWI operate at a comparable scale, with $105M and $90M in trailing revenue. CZWI is the more profitable business, keeping 16.0% of every revenue dollar as net income compared to EFSI's 7.9%.
| Metric | EFSIEagle Financial S… | CZWICitizens Communit… |
|---|---|---|
| RevenueTrailing 12 months | $105M | $90M |
| EBITDAEarnings before interest/tax | $11M | $9M |
| Net IncomeAfter-tax profit | $8M | $14M |
| Free Cash FlowCash after capex | -$3M | $11M |
| Gross MarginGross profit ÷ Revenue | +61.6% | +54.7% |
| Operating MarginEBIT ÷ Revenue | +9.5% | +7.0% |
| Net MarginNet income ÷ Revenue | +7.9% | +16.0% |
| FCF MarginFCF ÷ Revenue | -2.4% | +12.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -53.4% | +63.0% |
CZWI leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
CZWI leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
At 14.7x trailing earnings, CZWI trades at a 46% valuation discount to EFSI's 27.1x P/E. On an enterprise value basis, CZWI's 15.7x EV/EBITDA is more attractive than EFSI's 29.1x.
| Metric | EFSIEagle Financial S… | CZWICitizens Communit… |
|---|---|---|
| Market CapShares × price | $233M | $207M |
| Enterprise ValueMkt cap + debt − cash | $289M | $140M |
| Trailing P/EPrice ÷ TTM EPS | 27.13x | 14.70x |
| Forward P/EPrice ÷ next-FY EPS est. | 13.00x | 11.79x |
| PEG RatioP/E ÷ EPS growth rate | — | 2.90x |
| EV / EBITDAEnterprise value multiple | 29.13x | 15.69x |
| Price / SalesMarket cap ÷ Revenue | 2.23x | 2.29x |
| Price / BookPrice ÷ Book value/share | 1.23x | 1.11x |
| Price / FCFMarket cap ÷ FCF | 8.82x | 19.90x |
CZWI leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
CZWI leads this category, winning 6 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 $4 for EFSI. CZWI carries lower financial leverage with a 0.28x debt-to-equity ratio, signaling a more conservative balance sheet compared to EFSI's 0.37x. On the Piotroski fundamental quality scale (0–9), CZWI scores 6/9 vs EFSI's 5/9, reflecting solid financial health.
| Metric | EFSIEagle Financial S… | CZWICitizens Communit… |
|---|---|---|
| ROE (TTM)Return on equity | +4.5% | +7.8% |
| ROA (TTM)Return on assets | +0.4% | +0.8% |
| ROICReturn on invested capital | +2.8% | +2.0% |
| ROCEReturn on capital employed | +3.6% | +0.6% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 6 |
| Debt / EquityFinancial leverage | 0.37x | 0.28x |
| Net DebtTotal debt minus cash | $56M | -$67M |
| Cash & Equiv.Liquid assets | $14M | $119M |
| Total DebtShort + long-term debt | $70M | $52M |
| Interest CoverageEBIT ÷ Interest expense | 0.27x | 0.16x |
CZWI leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
CZWI leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in CZWI five years ago would be worth $16,900 today (with dividends reinvested), compared to $14,235 for EFSI. Over the past 12 months, CZWI leads with a +52.1% total return vs EFSI's +47.1%. The 3-year compound annual growth rate (CAGR) favors CZWI at 36.4% vs EFSI's 14.3% — a key indicator of consistent wealth creation.
| Metric | EFSIEagle Financial S… | CZWICitizens Communit… |
|---|---|---|
| YTD ReturnYear-to-date | +10.9% | +24.3% |
| 1-Year ReturnPast 12 months | +47.1% | +52.1% |
| 3-Year ReturnCumulative with dividends | +49.3% | +153.7% |
| 5-Year ReturnCumulative with dividends | +42.3% | +69.0% |
| 10-Year ReturnCumulative with dividends | +132.4% | +149.0% |
| CAGR (3Y)Annualised 3-year return | +14.3% | +36.4% |
CZWI leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
Evenly matched — EFSI and CZWI each lead in 1 of 2 comparable metrics.
Risk & Volatility
CZWI is the less volatile stock with a 0.50 beta — it tends to amplify market swings less than EFSI's 0.61 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. EFSI currently trades 98.1% from its 52-week high vs CZWI's 94.9% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | EFSIEagle Financial S… | CZWICitizens Communit… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.61x | 0.50x |
| 52-Week HighHighest price in past year | $43.98 | $22.62 |
| 52-Week LowLowest price in past year | $28.70 | $12.83 |
| % of 52W HighCurrent price vs 52-week peak | +98.1% | +94.9% |
| RSI (14)Momentum oscillator 0–100 | 78.6 | 51.2 |
| Avg Volume (50D)Average daily shares traded | 21K | 41K |
Evenly matched — EFSI and CZWI each lead in 1 of 2 comparable metrics.
Analyst Outlook
EFSI leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates EFSI as "Buy" and CZWI as "Buy". For income investors, EFSI offers the higher dividend yield at 2.64% vs CZWI's 1.73%.
| Metric | EFSIEagle Financial S… | CZWICitizens Communit… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $43.00 | — |
| # AnalystsCovering analysts | 3 | 2 |
| Dividend YieldAnnual dividend ÷ price | +2.6% | +1.7% |
| Dividend StreakConsecutive years of raises | 23 | 6 |
| Dividend / ShareAnnual DPS | $1.14 | $0.37 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.1% | +3.0% |
EFSI leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
CZWI leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). EFSI leads in 1 (Analyst Outlook). 1 tied.
Best OverallCitizens Community Bancorp,… (CZWI)Leads 4 of 6 categories
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EFSI vs CZWI: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is EFSI or CZWI a better buy right now?
For growth investors, Eagle Financial Services, Inc.
(EFSI) is the stronger pick with -1. 3% revenue growth year-over-year, versus -9. 4% for Citizens Community Bancorp, Inc. (CZWI). 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 Eagle Financial Services, Inc. (EFSI) a "Buy" — based on 3 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 — EFSI or CZWI?
On trailing P/E, Citizens Community Bancorp, Inc.
(CZWI) is the cheapest at 14. 7x versus Eagle Financial Services, Inc. at 27. 1x. On forward P/E, Citizens Community Bancorp, Inc. is actually cheaper at 11. 8x.
03Which is the better long-term investment — EFSI or CZWI?
Over the past 5 years, Citizens Community Bancorp, Inc.
(CZWI) delivered a total return of +69. 0%, compared to +42. 3% for Eagle Financial Services, Inc. (EFSI). Over 10 years, the gap is even starker: CZWI returned +149. 0% versus EFSI's +132. 4%. 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 — EFSI or CZWI?
By beta (market sensitivity over 5 years), Citizens Community Bancorp, Inc.
(CZWI) is the lower-risk stock at 0. 50β versus Eagle Financial Services, Inc. 's 0. 61β — meaning EFSI is approximately 23% more volatile than CZWI relative to the S&P 500. On balance sheet safety, Citizens Community Bancorp, Inc. (CZWI) carries a lower debt/equity ratio of 28% versus 37% for Eagle Financial Services, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — EFSI or CZWI?
By revenue growth (latest reported year), Eagle Financial Services, Inc.
(EFSI) is pulling ahead at -1. 3% versus -9. 4% for Citizens Community Bancorp, Inc. (CZWI). On earnings-per-share growth, the picture is similar: Citizens Community Bancorp, Inc. grew EPS 9. 0% year-over-year, compared to -63. 2% for Eagle 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 — EFSI or CZWI?
Citizens Community Bancorp, Inc.
(CZWI) is the more profitable company, earning 16. 0% net margin versus 7. 9% for Eagle Financial Services, Inc. — meaning it keeps 16. 0% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: EFSI leads at 9. 5% versus 7. 0% for CZWI. At the gross margin level — before operating expenses — EFSI leads at 61. 6%, 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 EFSI or CZWI more undervalued right now?
On forward earnings alone, Citizens Community Bancorp, Inc.
(CZWI) trades at 11. 8x forward P/E versus 13. 0x for Eagle Financial Services, Inc. — 1. 2x cheaper on a one-year earnings basis.
08Which pays a better dividend — EFSI or CZWI?
All stocks in this comparison pay dividends.
Eagle Financial Services, Inc. (EFSI) offers the highest yield at 2. 6%, versus 1. 7% for Citizens Community Bancorp, Inc. (CZWI).
09Is EFSI or CZWI better for a retirement portfolio?
For long-horizon retirement investors, Citizens Community Bancorp, Inc.
(CZWI) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 50), 1. 7% yield, +149. 0% 10Y return). Both have compounded well over 10 years (CZWI: +149. 0%, EFSI: +132. 4%), 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 EFSI 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: EFSI 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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