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

Institutional and Insider Ownership

43.1% of Citizens Community Bancorp shares are held by institutional investors. Comparatively, 37.4% of shares of all “Federal savings institutions” companies are held by institutional investors. 6.0% of Citizens Community Bancorp shares are held by company insiders. Comparatively, 9.4% of shares of all “Federal savings institutions” companies are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Profitability

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 14.28% 9.17% 0.84%

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for Citizens Community Bancorp and its rivals, 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 383 1252 1144 77 2.32

Citizens Community Bancorp presently has a consensus price target of $14.00, suggesting a potential upside of 15.70%. As a group, “Federal savings institutions” companies have a potential upside of 21.49%. Given Citizens Community Bancorp’s rivals higher possible upside, analysts clearly believe Citizens Community Bancorp has less favorable growth aspects than its rivals.

Earnings & Valuation

This table compares Citizens Community Bancorp and its rivals revenue, earnings per share and valuation.

Gross Revenue Net Income Price/Earnings Ratio
Citizens Community Bancorp $46.27 million $4.28 million 17.79
Citizens Community Bancorp Competitors $899.82 million $169.16 million 18.47

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

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 2.6% and pay out 43.9% of their earnings in the form of a dividend. Citizens Community Bancorp has raised its dividend for 4 consecutive years.

Volatility & Risk

Citizens Community Bancorp has a beta of 0.14, indicating that its share price is 86% less volatile than the S&P 500. Comparatively, Citizens Community Bancorp’s rivals have a beta of 0.45, indicating that their average share price is 55% less volatile than the S&P 500.

Summary

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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