Citizens Community Bancorp (NASDAQ:CZWI) and Carver Bancorp (NASDAQ:CARV) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their risk, analyst recommendations, earnings, valuation, institutional ownership, dividends and profitability.

Profitability

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

Net Margins Return on Equity Return on Assets
Citizens Community Bancorp 6.87% 5.07% 0.54%
Carver Bancorp -21.18% -177.04% -0.99%

Dividends

Citizens Community Bancorp pays an annual dividend of $0.20 per share and has a dividend yield of 1.9%. Carver Bancorp does not pay a dividend. Citizens Community Bancorp pays out 29.4% of its earnings in the form of a dividend. Citizens Community Bancorp has increased its dividend for 5 consecutive years.

Insider & Institutional Ownership

47.4% of Citizens Community Bancorp shares are held by institutional investors. Comparatively, 20.1% of Carver Bancorp shares are held by institutional investors. 4.2% of Citizens Community Bancorp shares are held by insiders. Comparatively, 0.2% of Carver Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Volatility & Risk

Citizens Community Bancorp has a beta of 0.37, suggesting that its share price is 63% less volatile than the S&P 500. Comparatively, Carver Bancorp has a beta of 1.91, suggesting that its share price is 91% more volatile than the S&P 500.

Earnings and Valuation

This table compares Citizens Community Bancorp and Carver Bancorp’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Citizens Community Bancorp $46.27 million 2.55 $4.28 million $0.68 15.79
Carver Bancorp $28.09 million 0.43 -$5.94 million N/A N/A

Citizens Community Bancorp has higher revenue and earnings than Carver Bancorp.

Analyst Ratings

This is a summary of recent recommendations for Citizens Community Bancorp and Carver Bancorp, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Citizens Community Bancorp 0 1 1 0 2.50
Carver Bancorp 0 0 0 0 N/A

Citizens Community Bancorp currently has a consensus target price of $14.00, suggesting a potential upside of 30.35%. Given Citizens Community Bancorp’s higher probable upside, equities analysts clearly believe Citizens Community Bancorp is more favorable than Carver Bancorp.

Summary

Citizens Community Bancorp beats Carver Bancorp on 12 of the 14 factors compared between the two stocks.

About Citizens Community Bancorp

Citizens Community Bancorp, Inc. operates as a holding company for Citizens Community Federal N.A. that provides various consumer, commercial, and agricultural banking products and services in Wisconsin, Minnesota, and Michigan. 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, agricultural real estate and non-real estate, commercial and industrial, and consumer loans, as well as one-to-four family residential mortgages and home equity lines-of-credit facilities. In addition, it provides 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. Further, the company offers Internet and mobile banking services. As of December 31, 2018, it operated through a network of 27 full-service branches. The company was founded in 1938 and is based in Eau Claire, Wisconsin.

About Carver Bancorp

Carver Bancorp, Inc. operates as a holding company for Carver Federal Savings Bank, a federally chartered savings bank that provides consumer and commercial banking services for consumers, businesses, and governmental and quasi-governmental agencies primarily in New York. It accepts various deposit products, including demand, savings, and time deposits; passbook and statement accounts, and certificates of deposit; and individual retirement accounts. The company also provides one-to-four family residential, multifamily real estate, and commercial real estate lending products, as well as construction, business, and consumer and other loans. In addition, it offers other consumer and commercial banking products and services, including debit card, online banking, online bill pay, and telephone banking, as well as check cashing, wire transfer, bill payment, reloadable prepaid card, and money order services. The company operates through one administrative office, nine branches, and three ATM locations. Carver Bancorp, Inc. was founded in 1948 and is headquartered in New York, New York.

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