Critical Survey: BV Financial (NASDAQ:BVFL) vs. Citizens Community Bancorp (NASDAQ:CZWI)

Profitability

This table compares Citizens Community Bancorp and BV Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Citizens Community Bancorp	13.79%	7.87%	0.77%
BV Financial	23.83%	6.09%	1.40%

Valuation & Earnings

This table compares Citizens Community Bancorp and BV Financial”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Citizens Community Bancorp	$56.29 million	2.35	$13.75 million	$1.33	9.94
BV Financial	$37.70 million	3.94	$11.72 million	$1.09	12.86

Citizens Community Bancorp has higher revenue and earnings than BV Financial. Citizens Community Bancorp is trading at a lower price-to-earnings ratio than BV Financial, indicating that it is currently the more affordable of the two stocks.

Insider and Institutional Ownership

55.1% of Citizens Community Bancorp shares are held by institutional investors. Comparatively, 42.7% of BV Financial shares are held by institutional investors. 3.7% of Citizens Community Bancorp shares are held by company insiders. Comparatively, 7.8% of BV Financial shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Volatility & Risk

Citizens Community Bancorp has a beta of 0.82, suggesting that its share price is 18% less volatile than the S&P 500. Comparatively, BV Financial has a beta of 0.63, suggesting that its share price is 37% less volatile than the S&P 500.

Summary

Citizens Community Bancorp beats BV Financial on 6 of the 11 factors compared between the two stocks.

About Citizens Community Bancorp

Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal N.A. that provides various traditional community banking services to businesses, agricultural operators, and consumers. It accepts various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit. The company also offers various loan products, such as commercial real estate, commercial and industrial, agricultural real estate, agricultural operating, and consumer loans; and one-to-four family residential mortgages and home equity lines-of-credit. In addition, it maintains a portfolio of investments comprising mortgage-backed, corporate asset-backed, U.S. Government sponsored agency, and corporate debt securities. Citizens Community Bancorp, Inc. was founded in 1938 and is based in Eau Claire, Wisconsin.

About BV Financial

BV Financial, Inc. operates as the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in Maryland. The company offers checking and money market accounts, savings accounts, and certificates of deposits. Its loan products include real estate, home equity, construction, lot, auto, boat, and other personal loans; and commercial lending products, such as commercial equipment/installation, commercial real estate, construction, investment real estate, lines of credit, and SBA loans, as well as loans for short-term real estate purchase, renovation, and sale projects. The company offers ATM, overdraft, safe deposit, bill pay, remote deposit capture, ACH origination, merchant, and online banking services. BV Financial, Inc. was founded in 1873 and is headquartered in Baltimore, Maryland.