Citizens Community Bancorp
Market Cap
US$137.5m
Last Updated
2019/12/09 23:52 UTC
Data Sources
Company Financials +
Executive Summary
Citizens Community Bancorp, Inc. operates as a holding company for Citizens Community Federal N.A.
Snowflake Analysis
Excellent balance sheet with proven track record.
Similar Companies
Share Price & News
How has Citizens Community Bancorp's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: CZWI has not had significant price volatility in the past 3 months.
Market Performance
7 Day Return
-0.2%
CZWI
1.1%
US Banks
0.7%
US Market
1 Year Return
4.2%
CZWI
21.0%
US Banks
18.2%
US Market
Return vs Industry: CZWI underperformed the US Banks industry which returned 21% over the past year.
Return vs Market: CZWI underperformed the US Market which returned 18.2% over the past year.
Shareholder returns
| CZWI | Industry | Market | |
|---|---|---|---|
| 7 Day | -0.2% | 1.1% | 0.7% |
| 30 Day | 7.4% | 0.8% | 1.5% |
| 90 Day | 10.9% | 10.5% | 5.0% |
| 1 Year | 6.0%4.2% | 24.6%21.0% | 20.8%18.2% |
| 3 Year | 9.0%4.2% | 31.6%22.4% | 45.2%35.8% |
| 5 Year | 42.8%33.6% | 79.1%59.2% | 71.6%52.7% |
Price Volatility Vs. Market
How volatile is Citizens Community Bancorp's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 day ago | Simply Wall St
What Kind Of Shareholder Appears On The Citizens Community Bancorp, Inc.'s (NASDAQ:CZWI) Shareholder Register?3 weeks ago | Simply Wall St
Does Citizens Community Bancorp, Inc.'s (NASDAQ:CZWI) CEO Pay Matter?1 month ago | Simply Wall St
Did Citizens Community Bancorp's (NASDAQ:CZWI) Share Price Deserve to Gain 25%?Valuation
Is Citizens Community Bancorp undervalued compared to its fair value and its price relative to the market?
21.39x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: CZWI ($12.2) is trading above our estimate of fair value ($5.79)
Significantly Below Fair Value: CZWI is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: CZWI is poor value based on its PE Ratio (21.4x) compared to the Banks industry average (12.7x).
PE vs Market: CZWI is poor value based on its PE Ratio (21.4x) compared to the US market (18.5x).
Price to Earnings Growth Ratio
PEG Ratio: CZWI is poor value based on its PEG Ratio (1.1x)
Price to Book Ratio
PB vs Industry: CZWI is good value based on its PB Ratio (0.9x) compared to the US Banks industry average (1.2x).
Next Steps
Future Growth
How is Citizens Community Bancorp forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
19.2%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CZWI's forecast earnings growth (19.2% per year) is above the savings rate (1.7%).
Earnings vs Market: CZWI's earnings (19.2% per year) are forecast to grow faster than the US market (14.2% per year).
High Growth Earnings: CZWI's earnings are forecast to grow, but not significantly.
Revenue vs Market: CZWI's revenue (5.1% per year) is forecast to grow slower than the US market (7.4% per year).
High Growth Revenue: CZWI's revenue (5.1% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: CZWI's Return on Equity is forecast to be low in 3 years time (8.1%).
Next Steps
Past Performance
How has Citizens Community Bancorp performed over the past 5 years?
24.0%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CZWI has a large one-off loss of $5.8M impacting its September 30 2019 financial results.
Growing Profit Margin: CZWI's current net profit margins (14.5%) are higher than last year (11.8%).
Past Earnings Growth Analysis
Earnings Trend: CZWI's earnings have grown significantly by 24% per year over the past 5 years.
Accelerating Growth: CZWI's earnings growth over the past year (96%) exceeds its 5-year average (24% per year).
Earnings vs Industry: CZWI earnings growth over the past year (96%) exceeded the Banks industry 27.1%.
Return on Equity
High ROE: CZWI's Return on Equity (5.7%) is considered low.
Return on Assets
Return on Capital Employed
Next Steps
Financial Health
How is Citizens Community Bancorp's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Inventory Level: CZWI has a low level of unsold assets or inventory.
Debt Coverage by Assets: CZWI's debt is not covered by short term assets (assets are 0.4x debt).
Financial Institutions Analysis
Asset Level: CZWI's level of assets compared to its equity is low.
Allowance for Bad Loans: CZWI has a low allowance for bad loans.
Low Risk Liabilities: CZWI's liabilities are made up of primarily low risk sources of funding.
Loan Level: CZWI has an acceptable proportion of non-loan assets held.
Low Risk Deposits: CZWI's loans are broadly funded by customer deposits.
Level of Bad Loans: CZWI has an appropriate level of bad loans (1.77%)
Next Steps
Dividend
What is Citizens Community Bancorp's current dividend yield, its reliability and sustainability?
1.64%
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: CZWI's dividend (1.64%) is higher than the bottom 25% of dividend payers in the US market (1.43%).
High Dividend: CZWI's dividend (1.64%) is low compared to the top 25% of dividend payers in the US market (3.7%).
Stability and Growth of Payments
Stable Dividend: CZWI's dividend payments have been volatile in the past 10 years.
Growing Dividend: CZWI's dividend payments have not increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (35.1%), CZWI's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: CZWI's dividends in 3 years are forecast to be well covered by earnings (17.3% payout ratio).
Next Steps
Management
What is the CEO of Citizens Community Bancorp's salary, the management and board of directors tenure and is there insider trading?
2.2yrs
Average management tenure
CEO
Steve Bianchi (56yo)
3.5yrs
Tenure
US$547,397
Compensation
Mr. Stephen M. Bianchi, also known as Steve, has been the Chief Executive Officer and President of Citizens Community Bancorp, Inc. and Citizens Community Federal since June 24, 2016. He has been Chairman ...
CEO Compensation Analysis
Compensation vs Market: Steve's total compensation ($USD547.40K) is about average for companies of similar size in the US market ($USD502.49K).
Compensation vs Earnings: Steve's compensation has increased by more than 20% in the past year.
Management Age and Tenure
2.2yrs
Average Tenure
Experienced Management: CZWI's management team is considered experienced (2.2 years average tenure).
Board Age and Tenure
1.8yrs
Average Tenure
66yo
Average Age
Experienced Board: CZWI's board of directors are not considered experienced ( 1.8 years average tenure), which suggests a new board.
Insider Trading
Insider Buying: CZWI insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
| Entity | Individual |
| Role | Chief Executive Officer Chairman of the Board |
| Shares | 334 |
| Max Price | US$12.05 |
| Entity | Individual |
| Role | Chief Executive Officer Chairman of the Board |
| Shares | 200 |
| Max Price | US$11.95 |
| Entity | Individual |
| Role | Chief Executive Officer Chairman of the Board |
| Shares | 225 |
| Max Price | US$11.85 |
| Entity | Individual |
| Role | Chief Financial Officer Executive VP |
| Shares | 600 |
| Max Price | US$11.95 |
| Entity | Individual |
| Role | Chief Financial Officer Executive VP |
| Shares | 693 |
| Max Price | US$11.91 |
| Entity | Individual |
| Role | Chief Executive Officer Chairman of the Board |
| Shares | 250 |
| Max Price | US$11.80 |
| Entity | Individual |
| Role | Chief Financial Officer Executive VP |
| Shares | 500 |
| Max Price | US$10.90 |
| Entity | Individual |
| Role | Chief Executive Officer Chairman of the Board |
| Shares | 700 |
| Max Price | US$11.00 |
| Entity | Individual |
| Role | Chief Executive Officer Chairman of the Board |
| Shares | 400 |
| Max Price | US$10.96 |
| Entity | Individual |
| Role | Chief Executive Officer Chairman of the Board |
| Shares | 250 |
| Max Price | US$10.94 |
| Entity | Individual |
| Role | Chief Financial Officer Executive VP |
| Shares | 750 |
| Max Price | US$10.91 |
| Entity | Individual |
| Role | Chief Executive Officer Chairman of the Board |
| Shares | 300 |
| Max Price | US$10.95 |
| Entity | Individual |
| Role | Chief Executive Officer Chairman of the Board |
| Shares | 400 |
| Max Price | US$10.89 |
| Entity | Individual |
| Role | Chief Financial Officer Executive VP |
| Shares | 251 |
| Max Price | US$10.85 |
Ownership Breakdown
Dilution of Shares: Shareholders have been substantially diluted in the past year, with total shares outstanding growing by 147.6%.
Management Team
James Broucek (55yo)
Executive VP
- Tenure: 2.2yrs
- Compensation: US$280.45k
Steve Bianchi (56yo)
Chairman of the Board
- Tenure: 3.5yrs
- Compensation: US$547.40k
Mike Dietsch
Community Bank President of Faribault
- Tenure: 0.8yrs
Board Members
Jim Moll (69yo)
Independent Director
- Tenure: 1.9yrs
- Compensation: US$32.75k
Richard McHugh (76yo)
Lead Director
- Tenure: 1.2yrs
- Compensation: US$36.74k
Kathleen Skarvan (63yo)
Director
- Tenure: 0yrs
Mike Swenson (68yo)
Independent Director
- Tenure: 8.6yrs
- Compensation: US$29.74k
Steve Bianchi (56yo)
Chairman of the Board
- Tenure: 3.5yrs
- Compensation: US$547.40k
James Lang (75yo)
Independent Director
- Tenure: 7.1yrs
- Compensation: US$29.24k
Fran Felber (66yo)
Director
- Tenure: 2.3yrs
- Compensation: US$45.50k
Timothy Olson (59yo)
Outside Independent Director
- Tenure: 1.8yrs
- Compensation: US$29.24k
Kristina Bourget (54yo)
Outside Independent Director
- Tenure: 1.8yrs
- Compensation: US$21.00k
Michael Conner
Director
- Tenure: 0yrs
Company Information
Citizens Community Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: Citizens Community Bancorp, Inc.
- Ticker: CZWI
- Exchange: NasdaqGM
- Founded: 1938
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$137.491m
- Shares outstanding: 11.27m
- Website: https://www.ccf.us
Number of Employees
Location
- Citizens Community Bancorp, Inc.
- 2174 Eastridge Center
- Eau Claire
- Wisconsin
- 54701
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| CZWI | NasdaqGM (Nasdaq Global Market) | Yes | Common Stock | US | USD | Mar 2004 |
Biography
Citizens Community Bancorp, Inc. operates as a holding company for Citizens Community Federal N.A. that provides various consumer, commercial, and agricultural banking products and services in Wisconsin, M ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/12/09 23:52 |
| End of Day Share Price | 2019/12/09 00:00 |
| Earnings | 2019/09/30 |
| Annual Earnings | 2018/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.