COMP <GO>
CZWI vs FNWD // EV/EBITDA & P/E VALUATION
Citizens Community Bancorp Inc. (NASDAQ) VS. Finward Bancorp (NASDAQ) • 15-METRIC TALLY: CZWI 5
— FNWD 1
■ METRIC PARITY
LAST: $23.67 (-0.38%) • MKT CAP: $228.4M
valuation
—
LAST: $43.90 (+0.48%) • MKT CAP: $190.2M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CZWI VS. FNWD)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CZWI | FNWD | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 7.70% | 4.60% | +3.10 | CZWI | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 4.55% | 4.76% | -0.21 | FNWD | /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% | 0.82% | +0.76 | CZWI | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 4/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 71.5 | 56.1 | +15.42 | CZWI | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 14.7x | 21.9x | -7.20 | CZWI | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $228.4M | $190.2M | $38.2M | CZWI | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CZWI REV | FNWD REV | CZWI GROSS % | FNWD GROSS % | CZWI FCF | FNWD FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $10.4M | $9.0M |
| FY 2024 | $0 | $0 | — | — | $19.5M | $6.7M |
| FY 2023 | $0 | $0 | — | — | $13.1M | $24.2M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CZWI // BETA —
FNWD // BETA —