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Citizens Community Bancorp (CZWI) Competitors

Citizens Community Bancorp logo
$16.06 +0.18 (+1.13%)
As of 01/17/2025 04:00 PM Eastern

CZWI vs. FSBC, LPRO, SMBC, SPFI, LDI, QD, SMBK, HONE, HKD, and SHBI

Should you be buying Citizens Community Bancorp stock or one of its competitors? The main competitors of Citizens Community Bancorp include Five Star Bancorp (FSBC), Open Lending (LPRO), Southern Missouri Bancorp (SMBC), South Plains Financial (SPFI), loanDepot (LDI), Qudian (QD), SmartFinancial (SMBK), HarborOne Bancorp (HONE), AMTD Digital (HKD), and Shore Bancshares (SHBI). These companies are all part of the "banking" industry.

Citizens Community Bancorp vs.

Five Star Bancorp (NASDAQ:FSBC) and Citizens Community Bancorp (NASDAQ:CZWI) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their institutional ownership, risk, valuation, analyst recommendations, community ranking, media sentiment, earnings, dividends and profitability.

Five Star Bancorp has higher revenue and earnings than Citizens Community Bancorp. Citizens Community Bancorp is trading at a lower price-to-earnings ratio than Five Star Bancorp, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Five Star Bancorp$181.89M3.55$47.73M$2.2813.28
Citizens Community Bancorp$94.50M1.70$13.06M$1.4111.39

Citizens Community Bancorp received 117 more outperform votes than Five Star Bancorp when rated by MarketBeat users. Likewise, 62.79% of users gave Citizens Community Bancorp an outperform vote while only 61.02% of users gave Five Star Bancorp an outperform vote.

CompanyUnderperformOutperform
Five Star BancorpOutperform Votes
72
61.02%
Underperform Votes
46
38.98%
Citizens Community BancorpOutperform Votes
189
62.79%
Underperform Votes
112
37.21%

Five Star Bancorp has a beta of 0.48, meaning that its stock price is 52% less volatile than the S&P 500. Comparatively, Citizens Community Bancorp has a beta of 1.08, meaning that its stock price is 8% more volatile than the S&P 500.

Five Star Bancorp pays an annual dividend of $0.80 per share and has a dividend yield of 2.6%. Citizens Community Bancorp pays an annual dividend of $0.32 per share and has a dividend yield of 2.0%. Five Star Bancorp pays out 35.1% of its earnings in the form of a dividend. Citizens Community Bancorp pays out 22.7% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

46.9% of Five Star Bancorp shares are held by institutional investors. Comparatively, 55.1% of Citizens Community Bancorp shares are held by institutional investors. 25.6% of Five Star Bancorp shares are held by company insiders. Comparatively, 3.7% of Citizens Community Bancorp shares are held by company 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.

In the previous week, Five Star Bancorp had 5 more articles in the media than Citizens Community Bancorp. MarketBeat recorded 9 mentions for Five Star Bancorp and 4 mentions for Citizens Community Bancorp. Five Star Bancorp's average media sentiment score of 0.67 beat Citizens Community Bancorp's score of 0.36 indicating that Five Star Bancorp is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Five Star Bancorp
1 Very Positive mention(s)
2 Positive mention(s)
5 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Citizens Community Bancorp
1 Very Positive mention(s)
2 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

Five Star Bancorp presently has a consensus target price of $35.25, suggesting a potential upside of 16.45%. Given Five Star Bancorp's higher possible upside, analysts clearly believe Five Star Bancorp is more favorable than Citizens Community Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Five Star Bancorp
0 Sell rating(s)
1 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.75
Citizens Community Bancorp
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00

Five Star Bancorp has a net margin of 21.35% compared to Citizens Community Bancorp's net margin of 14.70%. Five Star Bancorp's return on equity of 12.80% beat Citizens Community Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Five Star Bancorp21.35% 12.80% 1.18%
Citizens Community Bancorp 14.70%8.64%0.83%

Summary

Five Star Bancorp beats Citizens Community Bancorp on 14 of the 20 factors compared between the two stocks.

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New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding {thisCompany.Symbol} and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
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Media Sentiment Over Time

This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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CZWI vs. The Competition

MetricCitizens Community BancorpFederal savings institutions IndustryFinance SectorNASDAQ Exchange
Market Cap$161.08M$2.82B$11.78B$9.14B
Dividend Yield2.07%3.30%6.01%4.02%
P/E Ratio11.3914.9325.1617.09
Price / Sales1.702.4428.3677.22
Price / Cash9.0918.4217.3236.04
Price / Book0.970.922.654.79
Net Income$13.06M$358.98M$1.04B$224.99M
7 Day Performance3.61%0.97%1.94%2.37%
1 Month Performance-1.89%-0.26%0.90%4.40%
1 Year Performance39.77%9.49%14.70%20.10%

Citizens Community Bancorp Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
CZWI
Citizens Community Bancorp
2.5556 of 5 stars
$16.06
+1.1%
N/A+39.8%$161.08M$94.50M11.39220
FSBC
Five Star Bancorp
4.1627 of 5 stars
$28.87
+1.6%
$35.25
+22.1%
+22.1%$615.48M$118.47M12.66180Upcoming Earnings
Dividend Announcement
LPRO
Open Lending
3.7309 of 5 stars
$5.15
-0.4%
$6.83
+32.7%
-31.5%$614.65M$95.89M171.67180News Coverage
Positive News
SMBC
Southern Missouri Bancorp
3.8785 of 5 stars
$53.44
+1.7%
$63.00
+17.9%
+15.9%$602.64M$166.92M12.29540
SPFI
South Plains Financial
3.7437 of 5 stars
$33.37
+3.2%
$36.00
+7.9%
+25.8%$546.93M$181.76M12.98680Upcoming Earnings
News Coverage
Positive News
LDI
loanDepot
3.408 of 5 stars
$1.64
-1.5%
$2.60
+59.0%
-33.3%$534.65M$747.53M-3.1413,500Short Interest ↑
QD
Qudian
2.3485 of 5 stars
$2.61
+0.4%
N/A+34.8%$523.57M$160.33M65.25940Positive News
SMBK
SmartFinancial
2.7203 of 5 stars
$29.75
+1.2%
$29.50
-0.8%
+37.5%$503.55M$163.79M15.34550
HONE
HarborOne Bancorp
2.0093 of 5 stars
$11.36
+1.3%
$13.00
+14.4%
+3.7%$500.43M$160.14M40.57640Positive News
HKD
AMTD Digital
0.46 of 5 stars
$2.60
-0.8%
N/A-33.4%$497.76M$27.83M0.0050Short Interest ↑
SHBI
Shore Bancshares
3.6935 of 5 stars
$14.79
+0.5%
$20.00
+35.2%
+18.2%$492.91M$197.90M11.83610Positive News

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This page (NASDAQ:CZWI) was last updated on 1/21/2025 by MarketBeat.com Staff
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