COMP <GO>
CZWI vs BCBP // FORWARD P/E MULTIPLE
Citizens Community Bancorp Inc. (NASDAQ) VS. BCB Bancorp Inc. (NJ) (NASDAQ) • 15-METRIC TALLY: CZWI 3
— BCBP 3
■ METRIC PARITY
LAST: $23.67 (-0.38%) • MKT CAP: $228.4M
forward-pe
14.7x
LAST: $8.61 (+0.47%) • MKT CAP: $264.8M
forward-pe
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CZWI VS. BCBP)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CZWI | BCBP | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 7.70% | -4.10% | +11.80 | CZWI | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 4.55% | 13.17% | -8.62 | BCBP | /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 | 1.58% | 4.01% | -2.43 | BCBP | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 3/9 | +1.00 | CZWI | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 71.5 | 64.3 | +7.21 | CZWI | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple ACTIVE | 14.7x | — | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $228.4M | $264.8M | -$36.4M | BCBP | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CZWI REV | BCBP REV | CZWI GROSS % | BCBP GROSS % | CZWI FCF | BCBP FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $10.4M | $34.9M |
| FY 2024 | $0 | $0 | — | — | $19.5M | $66.5M |
| FY 2023 | $0 | $0 | — | — | $13.1M | $35.2M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CZWI // BETA —
BCBP // BETA —