Citizens Community Bancorp (CZWI) Stock Price, News & Analysis

Company Overview

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.

Key Stats

• Today's Range: $14.92 to $15.29
• 50-Day Range: $13.38 to $15.21
• 52-Week Range: $10.14 to $15.36
• Volume: 6,610 shs
• Average Volume: 16,813 shs
• Market Capitalization: $153.36 million
• P/E Ratio: 10.84
• Dividend Yield: 2.09%
• Price Target: N/A
• Consensus Rating: Buy

Citizens Community Bancorp Stock Analysis - MarketRank™

Citizens Community Bancorp scored higher than 75% of companies evaluated by MarketBeat, and ranked 340th out of 916 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Citizens Community Bancorp.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: -2.24%

Earnings Growth

Earnings for Citizens Community Bancorp are expected to decrease by -2.24% in the coming year, from $1.34 to $1.31 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Citizens Community Bancorp is 10.80, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 125.73.

Price to Earnings Ratio vs. Sector

The P/E ratio of Citizens Community Bancorp is 10.80, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 46.28.

Price to Book Value per Share Ratio

Citizens Community Bancorp has a P/B Ratio of 0.85. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.33% of the float of Citizens Community Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Citizens Community Bancorp has a short interest ratio ("days to cover") of 1.9, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Citizens Community Bancorp has recently decreased by 20.70%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Citizens Community Bancorp pays a meaningful dividend of 2.12%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Citizens Community Bancorp does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Citizens Community Bancorp is 22.70%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Citizens Community Bancorp will have a dividend payout ratio of 24.43% next year. This indicates that Citizens Community Bancorp will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.33% of the float of Citizens Community Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Citizens Community Bancorp has a short interest ratio ("days to cover") of 1.9, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Citizens Community Bancorp has recently decreased by 20.70%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.1 / 5
• News Sentiment: 0.83

News Sentiment

Citizens Community Bancorp has a news sentiment score of 0.83. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Citizens Community Bancorp this week, compared to 0 articles on an average week.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Citizens Community Bancorp insiders have bought more of their company's stock than they have sold. Specifically, they have bought $7,735.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

Only 3.65% of the stock of Citizens Community Bancorp is held by insiders.

Percentage Held by Institutions

55.11% of the stock of Citizens Community Bancorp is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

CZWI Stock Analysis - Frequently Asked Questions

How have CZWI shares performed this year?

Citizens Community Bancorp's stock was trading at $11.71 at the beginning of the year. Since then, CZWI shares have increased by 30.1% and is now trading at $15.23.
View the best growth stocks for 2024 here.

How were Citizens Community Bancorp's earnings last quarter?

Citizens Community Bancorp, Inc. (NASDAQ:CZWI) announced its quarterly earnings data on Monday, October, 28th. The bank reported $0.32 earnings per share (EPS) for the quarter, beating the consensus estimate of $0.27 by $0.05. The bank had revenue of $25.43 million for the quarter, compared to the consensus estimate of $14 million. Citizens Community Bancorp had a trailing twelve-month return on equity of 8.64% and a net margin of 14.70%.

Who are Citizens Community Bancorp's major shareholders?

Citizens Community Bancorp's top institutional shareholders include Banc Funds Co. LLC (5.58%), The Manufacturers Life Insurance Company (5.20%), Royce & Associates LP (1.64%) and Fourthstone LLC (1.07%). Insiders that own company stock include Richard Mchugh, Stephen M Bianchi, James S Broucek, James D Moll, Timothy L Olson, Kristina M Bourget, Francis E Felber and Kathleen Skarvan.
View institutional ownership trends.

How do I buy shares of Citizens Community Bancorp?

Shares of CZWI stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.
Compare Top Brokerages Here.

What other stocks do shareholders of Citizens Community Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Citizens Community Bancorp investors own include NVIDIA (NVDA), Broadcom (AVGO), Arista Networks (ANET), Jabil (JBL), e.l.f. Beauty (ELF), Disc Medicine (IRON) and Adobe (ADBE).

Company Calendar

• Last Earnings: 10/28/2024
• Today: 11/20/2024
• Fiscal Year End: 12/31/2024
• Next Earnings (Estimated): 2/03/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Federal savings institutions
• Sub-Industry: Banking
• Current Symbol: NASDAQ:CZWI
• CUSIP: N/A
• CIK: 1367859
• Web: www.ccf.us
• Phone: (715) 836-9994
• Fax: N/A
• Employees: 220
• Year Founded: N/A

Profitability

• EPS (Most Recent Fiscal Year): $1.41
• Trailing P/E Ratio: 10.62
• Forward P/E Ratio: 11.17
• P/E Growth: N/A
• Net Income: $13.06 million
• Net Margins: 14.70%
• Pretax Margin: 18.72%
• Return on Equity: 8.64%
• Return on Assets: 0.83%

Debt

• Debt-to-Equity Ratio: 0.12
• Current Ratio: 0.95
• Quick Ratio: 0.95

Sales & Book Value

• Annual Sales: $94.50 million
• Price / Sales: 1.59
• Cash Flow: $1.67 per share
• Price / Cash Flow: 8.95
• Book Value: $16.56 per share
• Price / Book: 0.90

Miscellaneous

• Outstanding Shares: 10,030,000
• Free Float: 9,668,000
• Market Cap: $150.15 million
• Optionable: Not Optionable
• Beta: 1.06