CZWI vs WNEB: stock comparison and AI forecast
Citizens Community Bancorp Inc. (CZWI) and Western New England Bancorp, Inc. (WNEB) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
CZWI Citizens Community Bancorp Inc.
- Price
- $23.38 +10.9% · 6M
- Market Cap
- $226M
- P/E Ratio
- 18.9x
- Size
- small-cap
- AI Forecast
WNEB Western New England Bancorp, Inc.
- Market Cap
- $274M
- P/E Ratio
- 15.0x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- WNEB is 1.2 times larger than CZWI by market capitalization ($274M against $226M).
- WNEB trades at 15.0 times trailing earnings, CZWI at 18.9 times.
- CZWI turns 22.0% of its revenue into net income, against 21.9% for WNEB.
- WNEB carries 10.22 times debt per unit of equity, against 8.48 times for CZWI.
- CZWI yields 5.68% in dividends and WNEB 2.03%.
- Both companies share the SEC industry classification Savings Institution, Federally Chartered.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | CZWI | WNEB |
|---|---|---|
| Market Cap | $226M | $274M |
| P/E Ratio | 18.86x | 15.03x |
| P/B Ratio | 1.18x | 1.12x |
| Dividend Yield | 5.68% | 2.03% |
| EPS | $1.24 | $0.91 |
| Book Value/Share | $19.83 | $12.21 |
| Revenue/Share | $6.04 | $4.52 |
| FCF/Share | $2.00 | $0.95 |
Profitability & Margins
| Metric | CZWI | WNEB |
|---|---|---|
| ROE | 6.7% | 8.1% |
| ROA | 0.7% | 0.7% |
| Net Margin | 22.0% | 21.9% |
| EBT Margin | 26.2% | 28.6% |
| Tax Rate | 16.2% | 23.4% |
Financial Health
| Metric | CZWI | WNEB |
|---|---|---|
| D/E Ratio | 8.48x | 10.22x |
| Financial Leverage | 9.48x | 11.22x |
Cash Flow
| Metric | CZWI | WNEB |
|---|---|---|
| Operating Cash Flow | $22M | $22M |
| Free Cash Flow | $19M | $19M |
| Capital Spending | -$3M | -$3M |
| OCF Growth YoY | 208.4% | 24.9% |
| FCF Growth YoY | 194.6% | – |
| FCF/Sales | 33.2% | 20.9% |
| CapEx/Sales | 5.2% | 2.8% |
Operational Efficiency
| Metric | CZWI | WNEB |
|---|---|---|
| Asset Turnover | 0.03x | 0.03x |
| Fixed Assets Turnover | 3.3x | 4.1x |
Income Statement
| Metric | CZWI | WNEB |
|---|---|---|
| Total Revenue | $58M | $91M |
| Net Income | $13M | $20M |
Dividend & Shareholder Information
| Metric | CZWI | WNEB |
|---|---|---|
| Dividends Per Share | $1.33 | $0.28 |
| Payout Ratio | 107.3% | 30.8% |
| Shares Outstanding | 10M | 20M |
| Net Income Growth | 2.9% | 30.2% |
| EPS Growth | -6.1% | 44.4% |
CZWI vs WNEB: stock comparison and AI forecast
Which is bigger, CZWI or WNEB?
WNEB is 1.2 times larger than CZWI by market capitalization ($274M against $226M).
Which is cheaper on earnings, CZWI or WNEB?
WNEB trades at 15.0 times trailing earnings, CZWI at 18.9 times.
Which one does Intratio's AI model rank higher, CZWI or WNEB?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.