Citizens Community Bancorp (NASDAQ: CZWI) is one of 93 publicly-traded companies in the “Federal savings institutions” industry, but how does it contrast to its competitors? We will compare Citizens Community Bancorp to related companies based on the strength of its dividends, analyst recommendations, valuation, risk, profitability, earnings and institutional ownership.

Volatility & Risk

Citizens Community Bancorp has a beta of 0.13, suggesting that its share price is 87% less volatile than the S&P 500. Comparatively, Citizens Community Bancorp’s competitors have a beta of 0.44, suggesting that their average share price is 56% less volatile than the S&P 500.

Analyst Recommendations

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 399 1273 1162 81 2.32

Citizens Community Bancorp presently has a consensus target price of $14.00, suggesting a potential upside of 17.94%. As a group, “Federal savings institutions” companies have a potential upside of 28.32%. Given Citizens Community Bancorp’s competitors higher probable upside, analysts plainly believe Citizens Community Bancorp has less favorable growth aspects than its competitors.

Dividends

Citizens Community Bancorp pays an annual dividend of $0.20 per share and has a dividend yield of 1.7%. 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 2.7% and pay out 42.9% of their earnings in the form of a dividend. Citizens Community Bancorp has increased its dividend for 4 consecutive years.

Profitability

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 14.67% 8.57% 0.85%

Insider and Institutional Ownership

63.1% of Citizens Community Bancorp shares are held by institutional investors. Comparatively, 39.1% of shares of all “Federal savings institutions” companies are held by institutional investors. 6.0% of Citizens Community Bancorp shares are held by insiders. Comparatively, 9.3% of shares of all “Federal savings institutions” companies are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Earnings and Valuation

This table compares Citizens Community Bancorp and its competitors top-line revenue, earnings per share and valuation.

Gross Revenue Net Income Price/Earnings Ratio
Citizens Community Bancorp $46.27 million $4.28 million 17.46
Citizens Community Bancorp Competitors $889.05 million $167.04 million 17.70

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.

Summary

Citizens Community Bancorp competitors 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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