COMP <GO>
BVFL vs CZWI // EV/EBITDA & P/E VALUATION
BV Financial Inc. (NASDAQ) VS. Citizens Community Bancorp Inc. (NASDAQ) • 15-METRIC TALLY: BVFL 3
— CZWI 4
■ METRIC PARITY
LAST: $22.33 (+1.00%) • MKT CAP: $189.1M
valuation
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LAST: $23.67 (-0.38%) • MKT CAP: $228.4M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (BVFL VS. CZWI)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | BVFL | CZWI | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 7.30% | 7.70% | -0.40 | CZWI | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 9.93% | 4.55% | +5.38 | BVFL | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 1.58% | -1.58 | CZWI | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 4/9 | +1.00 | BVFL | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 52.5 | 71.5 | -19.04 | CZWI | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 13.0x | 14.7x | -1.70 | BVFL | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $189.1M | $228.4M | -$39.3M | CZWI | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | BVFL REV | CZWI REV | BVFL GROSS % | CZWI GROSS % | BVFL FCF | CZWI FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $18.8M | $10.4M |
| FY 2024 | $0 | $0 | — | — | $15.5M | $19.5M |
| FY 2023 | $0 | $0 | — | — | $15.2M | $13.1M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
BVFL // BETA —
CZWI // BETA —