Financial Comparison: Citizens Community Bancorp (CZWI) and The Competition

Citizens Community Bancorp (NASDAQ:CZWI) is one of 919 public companies in the “Banks” industry, but how does it compare to its peers? We will compare Citizens Community Bancorp to similar companies based on the strength of its analyst recommendations, valuation, institutional ownership, risk, earnings, profitability and dividends.

Earnings and Valuation

This table compares Citizens Community Bancorp and its peers revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Citizens Community Bancorp	$65.39 million	$14.42 million	15.59
Citizens Community Bancorp Competitors	$297.19 billion	$2.42 billion	20.30

Citizens Community Bancorp’s peers have higher revenue and earnings than Citizens Community Bancorp. Citizens Community Bancorp is trading at a lower price-to-earnings ratio than its peers, indicating that it is currently more affordable than other companies in its industry.

Dividends

Citizens Community Bancorp pays an annual dividend of $0.48 per share and has a dividend yield of 2.1%. Citizens Community Bancorp pays out 32.0% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 9.3% and pay out 28.9% of their earnings in the form of a dividend. Citizens Community Bancorp has raised its dividend for 6 consecutive years. Citizens Community Bancorp lags its peers as a dividend stock, given its lower dividend yield and higher payout ratio.

Analyst Recommendations

This is a summary of current ratings and price targets for Citizens Community Bancorp and its peers, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Citizens Community Bancorp	0	4	1	0	2.20
Citizens Community Bancorp Competitors	7470	30209	27786	1473	2.35

Citizens Community Bancorp presently has a consensus price target of $23.50, indicating a potential upside of 0.51%. As a group, “Banks” companies have a potential upside of 17.09%. Given Citizens Community Bancorp’s peers stronger consensus rating and higher probable upside, analysts plainly believe Citizens Community Bancorp has less favorable growth aspects than its peers.

Volatility and Risk

Citizens Community Bancorp has a beta of 0.51, suggesting that its stock price is 49% less volatile than the S&P 500. Comparatively, Citizens Community Bancorp’s peers have a beta of 0.61, suggesting that their average stock price is 39% less volatile than the S&P 500.

Insider and Institutional Ownership

55.1% of Citizens Community Bancorp shares are held by institutional investors. Comparatively, 48.0% of shares of all “Banks” companies are held by institutional investors. 4.1% of Citizens Community Bancorp shares are held by insiders. Comparatively, 9.8% of shares of all “Banks” companies are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Citizens Community Bancorp	14.56%	7.65%	0.80%
Citizens Community Bancorp Competitors	15.64%	9.43%	0.93%

Summary

Citizens Community Bancorp peers beat Citizens Community Bancorp on 14 of the 15 factors compared.

About Citizens Community Bancorp

Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal N.A. that provides various traditional community banking services to businesses, agricultural operators, and consumers. 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, commercial and industrial, agricultural real estate, agricultural operating, and consumer loans; and one-to-four family residential mortgages and home equity lines-of-credit. In addition, it maintains a portfolio of investments comprising mortgage-backed, corporate asset-backed, U.S. Government sponsored agency, and corporate debt securities. Citizens Community Bancorp, Inc. was founded in 1938 and is based in Eau Claire, Wisconsin.