Citizens Community Bancorp (CZWI) vs. The Competition Head-To-Head Survey

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

Analyst Recommendations

This is a summary of recent ratings for Citizens Community Bancorp and its competitors, 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 target price of $23.50, suggesting a potential upside of 0.51%. As a group, “Banks” companies have a potential upside of 17.09%. Given Citizens Community Bancorp’s competitors stronger consensus rating and higher possible upside, analysts clearly believe Citizens Community Bancorp has less favorable growth aspects than its competitors.

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	14.56%	7.65%	0.80%
Citizens Community Bancorp Competitors	15.64%	9.43%	0.93%

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 competitors as a dividend stock, given its lower dividend yield and higher payout ratio.

Risk & Volatility

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

Institutional and Insider Ownership

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

Valuation & Earnings

This table compares Citizens Community Bancorp and its competitors revenue, earnings per share 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 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 14 of the 15 factors compared.

Citizens Community Bancorp Company Profile

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.