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 competitors? We will compare Citizens Community Bancorp to related companies based on the strength of its profitability, institutional ownership, risk, analyst recommendations, dividends, valuation and earnings.
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 2.5% and pay out 43.6% of their earnings in the form of a dividend. Citizens Community Bancorp has increased its dividend for 4 consecutive years.
Citizens Community Bancorp has a beta of 0.14, meaning that its share price is 86% less volatile than the S&P 500. Comparatively, Citizens Community Bancorp’s competitors have a beta of 0.45, meaning that their average share price is 55% less volatile than the S&P 500.
Valuation & Earnings
This table compares Citizens Community Bancorp and its competitors top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Net Income||Price/Earnings Ratio|
|Citizens Community Bancorp||$46.27 million||$4.28 million||18.24|
|Citizens Community Bancorp Competitors||$899.82 million||$169.16 million||18.60|
Citizens Community Bancorp’s competitors have higher revenue and earnings than Citizens Community Bancorp. Citizens Community Bancorp is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.
Insider and Institutional 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 endowments, hedge funds and large money managers believe a stock is poised for long-term growth.
This table compares Citizens Community Bancorp and its competitors’ 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||14.15%||9.16%||0.83%|
This is a breakdown of current ratings and target prices for Citizens Community Bancorp and its competitors, as provided 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||1249||1144||77||2.32|
Citizens Community Bancorp currently has a consensus target price of $14.00, indicating a potential upside of 14.66%. As a group, “Federal savings institutions” companies have a potential upside of 20.84%. Given Citizens Community Bancorp’s competitors higher probable upside, analysts clearly believe Citizens Community Bancorp has less favorable growth aspects than its competitors.
Citizens Community Bancorp competitors beat Citizens Community Bancorp on 11 of the 15 factors compared.
Citizens Community Bancorp Company Profile
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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