CF Bankshares vs Citizens Community Bancorp
CF Bankshares and Citizens Community Bancorp are similar in size: $61.0m and $62.3m of revenue in their latest fiscal years. CF Bankshares grew faster (17.6% against 10.2%). CF Bankshares kept more of each dollar of sales as profit: a net margin of 28.8% against 23.1%.
| Latest fiscal year | CF BanksharesCFBK, 2025 | Citizens Community BancorpCZWI, 2025 |
|---|---|---|
| Revenue | $61.0m | $62.3m |
| Revenue growth | 17.6% | 10.2% |
| Net income | $17.5m | $14.4m |
| Operating margin | — | — |
| Net margin | 28.8% | 23.1% |
| Return on equity | 9.9% | 7.9% |
| Free cash flow | $18.2m | $10.4m |
| Cash | $259m | $119m |
| Total debt | $0 | $51.8m |
| Debt to equity | — | — |
| Dividend per share | $0.30 | $0.36 |
| Dividend yield | 1.0% | 0.9% |
| Share buybacks | $1.3m | $6.1m |
| Employees | 98 | 217 |
| Market value | $224m | $230m |
| Price vs our value range | — | — |
| Moat score | 68 (Moderate) | — |
| Insider trades, 12 months | 0 buys, 0 sales | 8 buys, 7 sales |