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

Risk and Volatility

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.

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 14.43% 8.46% 0.84%

Valuation & Earnings

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

Gross Revenue Net Income Price/Earnings Ratio
Citizens Community Bancorp $46.27 million $4.28 million 17.50
Citizens Community Bancorp Competitors $900.02 million $169.19 million 18.19

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.

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 increased its dividend for 4 consecutive years.

Analyst Recommendations

This is a breakdown of current recommendations and price targets for Citizens Community Bancorp and its competitors, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Citizens Community Bancorp 0 1 1 0 2.50
Citizens Community Bancorp Competitors 386 1263 1154 78 2.32

Citizens Community Bancorp currently has a consensus price target of $14.00, indicating a potential upside of 17.65%. As a group, “Federal savings institutions” companies have a potential upside of 24.29%. Given Citizens Community Bancorp’s competitors higher probable upside, analysts plainly believe Citizens Community Bancorp has less favorable growth aspects than its competitors.

Institutional and Insider Ownership

43.2% of Citizens Community Bancorp shares are held by institutional investors. Comparatively, 37.8% 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, 9.4% of shares of all “Federal savings institutions” companies are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Summary

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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