Critical Contrast: Citizens Community Bancorp (CZWI) & Its Peers
Citizens Community Bancorp (NASDAQ: CZWI) is one of 93 publicly-traded companies in the “Federal savings institutions” industry, but how does it compare to its rivals? We will compare Citizens Community Bancorp to related businesses based on the strength of its risk, valuation, earnings, profitability, dividends, institutional ownership and analyst recommendations.
Earnings & Valuation
This table compares Citizens Community Bancorp and its rivals gross revenue, earnings per share and valuation.
|Gross Revenue||Net Income||Price/Earnings Ratio|
|Citizens Community Bancorp||$46.27 million||$4.28 million||17.94|
|Citizens Community Bancorp Competitors||$899.82 million||$169.16 million||18.41|
Institutional and Insider Ownership
43.1% of Citizens Community Bancorp shares are owned by institutional investors. Comparatively, 37.9% of shares of all “Federal savings institutions” companies are owned by institutional investors. 6.0% of Citizens Community Bancorp shares are owned by insiders. Comparatively, 9.4% of shares of all “Federal savings institutions” companies are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
This is a breakdown of recent ratings and price targets for Citizens Community Bancorp and its rivals, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Citizens Community Bancorp||0||1||1||0||2.50|
|Citizens Community Bancorp Competitors||382||1251||1144||77||2.32|
Citizens Community Bancorp presently has a consensus target price of $14.00, indicating a potential upside of 14.75%. As a group, “Federal savings institutions” companies have a potential upside of 21.74%. Given Citizens Community Bancorp’s rivals higher possible upside, analysts clearly believe Citizens Community Bancorp has less favorable growth aspects than its rivals.
Risk and Volatility
Citizens Community Bancorp has a beta of 0.14, meaning that its stock price is 86% less volatile than the S&P 500. Comparatively, Citizens Community Bancorp’s rivals have a beta of 0.45, meaning that their average stock price is 55% less volatile than the S&P 500.
This table compares Citizens Community Bancorp and its rivals’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Citizens Community Bancorp||9.26%||7.16%||0.56%|
|Citizens Community Bancorp Competitors||14.26%||9.19%||0.84%|
Citizens Community Bancorp pays an annual dividend of $0.20 per share and has a dividend yield of 1.6%. Citizens Community Bancorp pays out 29.4% of its earnings in the form of a dividend. As a group, “Federal savings institutions” companies pay a dividend yield of 2.6% and pay out 43.7% of their earnings in the form of a dividend. Citizens Community Bancorp has raised its dividend for 4 consecutive years.
Citizens Community Bancorp rivals beat Citizens Community Bancorp on 11 of the 15 factors compared.
About Citizens Community Bancorp
Citizens Community Bancorp, Inc. operates as a holding company for Citizens Community Federal N.A. that provides various consumer, and commercial and agricultural banking products and services primarily in Wisconsin, Minnesota, and Michigan. It offers various deposit products, including demand deposits, savings and money-market accounts, and certificates of deposit. The company also provides commercial loans, agricultural loans, residential mortgages, home equity lines-of-credit, commercial and industrial loans, and consumer and other loans. It maintains a portfolio of investments, such as U.S. government sponsored agency securities, bonds and other obligations issued by states and their political subdivisions, and mortgage-backed securities. In addition, the company offers online and mobile banking services. The company was founded in 1938 and is based in Eau Claire, Wisconsin.
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