Comparing Citizens Community Bancorp (CZWI) and Its Peers

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

Dividends

Citizens Community Bancorp pays an annual dividend of $0.48 per share and has a dividend yield of 2.0%. 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 8.9% 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 rivals as a dividend stock, given its lower dividend yield and higher payout ratio.

Institutional and Insider Ownership

55.1% of Citizens Community Bancorp shares are owned by institutional investors. Comparatively, 47.8% of shares of all “Banks” companies are owned by institutional investors. 4.1% of Citizens Community Bancorp shares are owned by insiders. Comparatively, 9.7% of shares of all “Banks” companies are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Earnings and Valuation

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

	Gross Revenue	Net Income	Price/Earnings Ratio
Citizens Community Bancorp	$98.77 million	$14.42 million	15.63
Citizens Community Bancorp Competitors	$32.39 billion	$2.42 billion	21.32

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.

Analyst Recommendations

This is a summary of current ratings for Citizens Community Bancorp and its rivals, 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	7490	30240	27840	1484	2.35

Citizens Community Bancorp presently has a consensus price target of $23.50, indicating a potential upside of 0.26%. As a group, “Banks” companies have a potential upside of 14.66%. Given Citizens Community Bancorp’s rivals stronger consensus rating and higher possible upside, analysts clearly believe Citizens Community Bancorp has less favorable growth aspects than its rivals.

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

Risk and 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 rivals have a beta of 0.61, meaning that their average share price is 39% less volatile than the S&P 500.

Summary

Citizens Community Bancorp rivals beat Citizens Community Bancorp on 14 of the 15 factors compared.

About Citizens Community Bancorp

Citizens Community Bancorp, Inc. is a bank holding company headquartered in Eau Claire, Wisconsin. Through its subsidiary, Citizens Community Federal National Association, the company provides community banking services to individuals, families, farmers and businesses. The bank offers deposit products such as checking, savings, money market and certificate accounts, along with lending services. Its loan portfolio includes residential and commercial real estate, agricultural, commercial and industrial, and consumer loans.