Citizens Community Bancorp (CZWI) Competitors

Citizens Community Bancorp (NASDAQ:CZWI) and Sound Financial Bancorp (NASDAQ:SFBC) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their analyst recommendations, valuation, risk, media sentiment, community ranking, institutional ownership, dividends, profitability and earnings.

Do analysts prefer CZWI or SFBC?

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Citizens Community Bancorp	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	3.00
Sound Financial Bancorp	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Do institutionals and insiders have more ownership in CZWI or SFBC?

55.1% of Citizens Community Bancorp shares are owned by institutional investors. Comparatively, 68.9% of Sound Financial Bancorp shares are owned by institutional investors. 3.7% of Citizens Community Bancorp shares are owned by company insiders. Comparatively, 12.6% of Sound Financial Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Which has more risk & volatility, CZWI or SFBC?

Citizens Community Bancorp has a beta of 1.06, meaning that its stock price is 6% more volatile than the S&P 500. Comparatively, Sound Financial Bancorp has a beta of 0.68, meaning that its stock price is 32% less volatile than the S&P 500.

Does the MarketBeat Community prefer CZWI or SFBC?

Citizens Community Bancorp received 121 more outperform votes than Sound Financial Bancorp when rated by MarketBeat users. However, 64.71% of users gave Sound Financial Bancorp an outperform vote while only 62.75% of users gave Citizens Community Bancorp an outperform vote.

Company	Underperform	Outperform
Citizens Community Bancorp	Outperform Votes 187 62.75%	Underperform Votes 111 37.25%
Sound Financial Bancorp	Outperform Votes 66 64.71%	Underperform Votes 36 35.29%

Does the media prefer CZWI or SFBC?

In the previous week, Citizens Community Bancorp and Citizens Community Bancorp both had 2 articles in the media. Sound Financial Bancorp's average media sentiment score of 0.85 beat Citizens Community Bancorp's score of 0.83 indicating that Sound Financial Bancorp is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Citizens Community Bancorp	1 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Sound Financial Bancorp	0 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Is CZWI or SFBC more profitable?

Citizens Community Bancorp has a net margin of 14.70% compared to Sound Financial Bancorp's net margin of 6.49%. Citizens Community Bancorp's return on equity of 8.64% beat Sound Financial Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Citizens Community Bancorp	14.70%	8.64%	0.83%
Sound Financial Bancorp	6.49%	3.88%	0.37%

Is CZWI or SFBC a better dividend stock?

Citizens Community Bancorp pays an annual dividend of $0.32 per share and has a dividend yield of 2.1%. Sound Financial Bancorp pays an annual dividend of $0.76 per share and has a dividend yield of 1.4%. Citizens Community Bancorp pays out 22.7% of its earnings in the form of a dividend. Sound Financial Bancorp pays out 49.7% 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. Citizens Community Bancorp is clearly the better dividend stock, given its higher yield and lower payout ratio.

Which has stronger earnings & valuation, CZWI or SFBC?

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

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Citizens Community Bancorp	$94.50M	1.62	$13.06M	$1.41	10.80
Sound Financial Bancorp	$55.62M	2.43	$7.44M	$1.53	34.52

Summary

Citizens Community Bancorp beats Sound Financial Bancorp on 11 of the 18 factors compared between the two stocks.