Citizens Community Bancorp (CZWI) Competitors

South Plains Financial (NASDAQ:SPFI) 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 media sentiment, valuation, community ranking, analyst recommendations, institutional ownership, dividends, profitability, earnings and risk.

Which has better valuation and earnings, SPFI or CZWI?

South Plains Financial has higher revenue and earnings than Citizens Community Bancorp. Citizens Community Bancorp is trading at a lower price-to-earnings ratio than South Plains Financial, 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
South Plains Financial	$189.30M	2.89	$49.72M	$2.92	11.37
Citizens Community Bancorp	$56.29M	2.54	$13.75M	$1.33	10.77

Does the media prefer SPFI or CZWI?

In the previous week, South Plains Financial had 3 more articles in the media than Citizens Community Bancorp. MarketBeat recorded 4 mentions for South Plains Financial and 1 mentions for Citizens Community Bancorp. Citizens Community Bancorp's average media sentiment score of 1.89 beat South Plains Financial's score of 1.12 indicating that Citizens Community Bancorp is being referred to more favorably in the news media.

Company	Overall Sentiment
South Plains Financial	Positive
Citizens Community Bancorp	Very Positive

Do insiders and institutionals hold more shares of SPFI or CZWI?

55.0% of South Plains Financial shares are owned by institutional investors. Comparatively, 55.1% of Citizens Community Bancorp shares are owned by institutional investors. 25.4% of South Plains Financial shares are owned by company insiders. Comparatively, 3.7% of Citizens Community Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Do analysts rate SPFI or CZWI?

South Plains Financial presently has a consensus price target of $42.67, indicating a potential upside of 28.52%. Given South Plains Financial's stronger consensus rating and higher possible upside, equities analysts plainly believe South Plains Financial is more favorable than Citizens Community Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
South Plains Financial	0 Sell rating(s)	0 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	3.00
Citizens Community Bancorp	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Does the MarketBeat Community favor SPFI or CZWI?

Citizens Community Bancorp received 141 more outperform votes than South Plains Financial when rated by MarketBeat users. Likewise, 62.71% of users gave Citizens Community Bancorp an outperform vote while only 56.32% of users gave South Plains Financial an outperform vote.

Company	Underperform	Outperform
South Plains Financial	Outperform Votes 49 56.32%	Underperform Votes 38 43.68%
Citizens Community Bancorp	Outperform Votes 190 62.71%	Underperform Votes 113 37.29%

Is SPFI or CZWI a better dividend stock?

South Plains Financial pays an annual dividend of $0.60 per share and has a dividend yield of 1.8%. Citizens Community Bancorp pays an annual dividend of $0.36 per share and has a dividend yield of 2.5%. South Plains Financial pays out 20.5% of its earnings in the form of a dividend. Citizens Community Bancorp pays out 27.1% 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.

Which has more volatility and risk, SPFI or CZWI?

South Plains Financial has a beta of 0.6, meaning that its share price is 40% less volatile than the S&P 500. Comparatively, Citizens Community Bancorp has a beta of 1.12, meaning that its share price is 12% more volatile than the S&P 500.

Is SPFI or CZWI more profitable?

South Plains Financial has a net margin of 17.20% compared to Citizens Community Bancorp's net margin of 13.79%. South Plains Financial's return on equity of 11.75% beat Citizens Community Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
South Plains Financial	17.20%	11.75%	1.17%
Citizens Community Bancorp	13.79%	7.87%	0.77%

Summary

South Plains Financial beats Citizens Community Bancorp on 14 of the 20 factors compared between the two stocks.