Citizens Community Bancorp vs Virginia National Bankshares
Citizens Community Bancorp and Virginia National Bankshares are similar in size: $62.3m and $57.6m of revenue in their latest fiscal years. Citizens Community Bancorp grew faster (10.2% against 6.7%). Virginia National Bankshares kept more of each dollar of sales as profit: a net margin of 33.4% against 23.1%.
| Latest fiscal year | Citizens Community BancorpCZWI, 2025 | Virginia National BanksharesVABK, 2025 |
|---|---|---|
| Revenue | $62.3m | $57.6m |
| Revenue growth | 10.2% | 6.7% |
| Net income | $14.4m | $19.3m |
| Operating margin | — | — |
| Net margin | 23.1% | 33.4% |
| Return on equity | 7.9% | 11.2% |
| Free cash flow | $10.4m | $20.8m |
| Cash | $119m | — |
| Total debt | $51.8m | $20.0m |
| Debt to equity | — | — |
| Dividend per share | $0.36 | $1.41 |
| Dividend yield | 0.9% | 2.7% |
| Share buybacks | $6.1m | — |
| Employees | 217 | 140 |
| Market value | $230m | $282m |
| Price vs our value range | — | — |
| Moat score | — | 46 (Moderate) |
| Insider trades, 12 months | 8 buys, 7 sales | 0 buys, 0 sales |