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Citizens Community Bancorp

Nasdaq:CZWI
Snowflake Description

Excellent balance sheet with reasonable growth potential.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
CZWI
Nasdaq
$126M
Market Cap
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Last updated 2019/05/22 05:55
Company description

Citizens Community Bancorp, Inc. operates as a holding company for Citizens Community Federal N.A. The last earnings update was 13 days ago. More info.

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CZWI Share Price and Events
7 Day Returns
4%
NasdaqGM:CZWI
0.5%
US Banks
1.6%
US Market
1 Year Returns
-18.8%
NasdaqGM:CZWI
-10%
US Banks
2.6%
US Market
CZWI Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Citizens Community Bancorp (CZWI) 4% -6.6% -5.4% -18.8% 22.4% 43%
US Banks 0.5% -3.2% -2.2% -10% 41.6% 47.1%
US Market 1.6% -1.7% 2.1% 2.6% 38.5% 41.4%
1 Year Return vs Industry and Market
  • CZWI underperformed the Banks industry which returned -10% over the past year.
  • CZWI underperformed the Market in United States of America which returned 2.6% over the past year.
Price Volatility
CZWI
Industry
5yr Volatility vs Market

CZWI Value

 Is Citizens Community Bancorp undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Citizens Community Bancorp to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Citizens Community Bancorp.

NasdaqGM:CZWI Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= $13.65 * 4.1% 		$0.56
Book Value of Equity per Share Weighted future Book Value estimates from 3 analysts. $13.65
Discount Rate (Cost of Equity) See below 9.6%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for NasdaqGM:CZWI
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.62
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.622 (1 + (1- 21%) (121.37%)) 		1.146
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)		 1.15
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (1.146 * 5.96%) 		9.56%

Discounted Cash Flow Calculation for NasdaqGM:CZWI using Excess Returns Model Model

The calculations below outline how an intrinsic value for Citizens Community Bancorp is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

NasdaqGM:CZWI Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (4.1% – 9.56%) * $13.65) 		$-0.74
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $-0.74 / (9.56% - 2.73%) 		$-10.90
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $13.65 + $-10.90 		$2.75
NasdaqGM:CZWI Discount to Share Price
Calculation Result
Value per share (USD) From above. $2.75
Current discount Discount to share price of $11.44
= -1 x ($11.44 - $2.75) / $2.75 		-316.4%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of Citizens Community Bancorp is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Citizens Community Bancorp's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Citizens Community Bancorp's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NasdaqGM:CZWI PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-03-31) in USD $0.38
NasdaqGM:CZWI Share Price ** NasdaqGM (2019-05-21) in USD $11.44
United States of America Banks Industry PE Ratio Median Figure of 593 Publicly-Listed Banks Companies 12.81x
United States of America Market PE Ratio Median Figure of 3,087 Publicly-Listed Companies 17.74x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Citizens Community Bancorp.

NasdaqGM:CZWI PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NasdaqGM:CZWI Share Price ÷ EPS (both in USD)

= 11.44 ÷ 0.38

 29.81x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Citizens Community Bancorp is overvalued based on earnings compared to the US Banks industry average.
  • Citizens Community Bancorp is overvalued based on earnings compared to the United States of America market.
Price based on expected Growth
Does Citizens Community Bancorp's expected growth come at a high price?
Raw Data
NasdaqGM:CZWI PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 29.81x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 3 Analysts		 55.9%per year
United States of America Banks Industry PEG Ratio Median Figure of 270 Publicly-Listed Banks Companies 1.33x
United States of America Market PEG Ratio Median Figure of 2,123 Publicly-Listed Companies 1.53x

*Line of best fit is calculated by linear regression .

NasdaqGM:CZWI PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 29.81x ÷ 55.9%

 0.53x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Citizens Community Bancorp is good value based on expected growth next year.
Price based on value of assets
What value do investors place on Citizens Community Bancorp's assets?
Raw Data
NasdaqGM:CZWI PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-03-31) in USD $12.59
NasdaqGM:CZWI Share Price * NasdaqGM (2019-05-21) in USD $11.44
United States of America Banks Industry PB Ratio Median Figure of 598 Publicly-Listed Banks Companies 1.21x
United States of America Market PB Ratio Median Figure of 5,202 Publicly-Listed Companies 1.84x
NasdaqGM:CZWI PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NasdaqGM:CZWI Share Price ÷ Book Value per Share (both in USD)

= 11.44 ÷ 12.59

 0.91x

* Primary Listing of Citizens Community Bancorp.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Citizens Community Bancorp is good value based on assets compared to the US Banks industry average.
X
Value checks
We assess Citizens Community Bancorp's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
    5. Citizens Community Bancorp has a total score of 2/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

CZWI Future Performance

 How is Citizens Community Bancorp expected to perform in the next 1 to 3 years based on estimates from 3 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
55.9%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Citizens Community Bancorp expected to grow at an attractive rate?
  • Citizens Community Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • Citizens Community Bancorp's earnings growth is expected to exceed the United States of America market average.
  • Citizens Community Bancorp's revenue growth is expected to exceed the United States of America market average.
Annual Growth Rates Comparison
Raw Data
NasdaqGM:CZWI Future Growth Rates Data Sources
Data Point Source Value (per year)
NasdaqGM:CZWI Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 3 Analysts 55.9%
NasdaqGM:CZWI Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 3 Analysts 10%
United States of America Banks Industry Earnings Growth Rate Market Cap Weighted Average 3.9%
United States of America Banks Industry Revenue Growth Rate Market Cap Weighted Average 3.9%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 13.8%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.3%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NasdaqGM:CZWI Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 3 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NasdaqGM:CZWI Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2020-12-31 57 14 3
2019-12-31 51 9 3
NasdaqGM:CZWI Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-03-31 49 12 5
2018-12-31 46 15 5
2018-09-30 36 11 4
2018-06-30 34 22 3
2018-03-31 32 9 3
2017-12-31 29 9 3
2017-09-30 26 2 2
2017-06-30 26 5 3
2017-03-31 26 6 3
2016-12-31 25 2 3
2016-09-30 24 6 3
2016-06-30 23 5 3

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Citizens Community Bancorp's earnings are expected to grow significantly at over 20% yearly.
  • Citizens Community Bancorp's revenue is expected to grow by 10% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NasdaqGM:CZWI Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 3 Analyst Estimates (S&P Global) See Below

All data from Citizens Community Bancorp Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGM:CZWI Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2020-12-31 1.26 1.28 1.22 3.00
2019-12-31 0.94 0.94 0.94 2.00
NasdaqGM:CZWI Past Financials Data
Date (Data in USD Millions) EPS *
2019-03-31 0.38
2018-12-31 0.46
2018-09-30 0.72
2018-06-30 0.47
2018-03-31 0.58
2017-12-31 0.53
2017-09-30 0.47
2017-06-30 0.60
2017-03-31 0.56
2016-12-31 0.51
2016-09-30 0.49
2016-06-30 0.62

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Citizens Community Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
Show me more growth companies in the Banks industry
X
Future performance checks
We assess Citizens Community Bancorp's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Citizens Community Bancorp has a total score of 4/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

CZWI Past Performance

  How has Citizens Community Bancorp performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Citizens Community Bancorp's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Citizens Community Bancorp's year on year earnings growth rate has been positive over the past 5 years.
  • Citizens Community Bancorp's 1-year earnings growth exceeds its 5-year average (40.8% vs 17.6%)
  • Citizens Community Bancorp's earnings growth has exceeded the US Banks industry average in the past year (40.8% vs 40.2%).
Earnings and Revenue History
Citizens Community Bancorp's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Citizens Community Bancorp Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGM:CZWI Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-03-31 48.70 4.66 32.18
2018-12-31 46.46 5.04 30.46
2018-09-30 36.37 4.28 25.47
2018-06-30 34.14 2.73 25.14
2018-03-31 31.85 3.31 22.70
2017-12-31 28.98 2.90 21.01
2017-09-30 26.42 2.50 19.52
2017-06-30 26.03 3.13 19.37
2017-03-31 25.92 2.93 19.41
2016-12-31 25.29 2.67 18.92
2016-09-30 23.92 2.57 17.79
2016-06-30 22.57 3.28 15.91
2016-03-31 21.69 3.02 15.55
2015-12-31 21.61 2.94 15.48
2015-09-30 21.82 2.81 15.78
2015-06-30 21.94 2.52 16.04
2015-03-31 22.02 2.47 15.98
2014-12-31 21.65 2.20 15.98
2014-09-30 21.26 1.78 15.87
2014-06-30 20.67 1.47 15.62
2014-03-31 19.89 1.08 15.77
2013-12-31 19.61 1.09 15.43
2013-09-30 19.17 1.05 15.38
2013-06-30 18.56 0.96 15.03
2013-03-31 18.88 1.15 14.94
2012-12-31 18.85 0.88 15.17
2012-09-30 17.73 0.21 15.02
2012-06-30 18.05 0.18 15.39

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Citizens Community Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Citizens Community Bancorp used its assets less efficiently than the US Banks industry average last year based on Return on Assets.
  • Unable to establish if Citizens Community Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Citizens Community Bancorp's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Citizens Community Bancorp has a total score of 3/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

CZWI Health

 How is Citizens Community Bancorp's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Citizens Community Bancorp's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Citizens Community Bancorp Company Filings, last reported 1 month ago.

NasdaqGM:CZWI Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-03-31 138.38 152.61 47.59
2018-12-31 138.19 134.46 53.24
2018-09-30 135.85 87.62 41.67
2018-06-30 135.21 87.06 35.89
2018-03-31 73.51 114.48 39.87
2017-12-31 74.45 123.90 54.37
2017-09-30 73.48 120.32 49.83
2017-06-30 66.01 78.90 34.74
2017-03-31 64.38 71.49 20.60
2016-12-31 63.83 84.49 21.19
2016-09-30 64.54 70.29 10.79
2016-06-30 63.60 69.87 22.09
2016-03-31 62.07 61.47 25.00
2015-12-31 61.24 58.89 18.47
2015-09-30 61.45 58.89 26.86
2015-06-30 59.24 45.89 20.97
2015-03-31 59.17 50.89 37.37
2014-12-31 58.62 53.89 20.80
2014-09-30 57.29 58.89 11.68
2014-06-30 56.60 64.89 9.59
2014-03-31 55.36 57.73 20.13
2013-12-31 54.12 56.50 16.03
2013-09-30 54.19 50.00 19.59
2013-06-30 53.82 52.95 29.87
2013-03-31 55.07 47.95 28.57
2012-12-31 55.27 49.45 27.55
2012-09-30 55.10 49.25 23.26
2012-06-30 54.10 48.15 20.86
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Citizens Community Bancorp has an acceptable proportion of non-loan assets held.
  • Citizens Community Bancorp's liabilities are made up of primarily low risk sources of funding.
  • Loans at Citizens Community Bancorp are broadly funded by customer deposits.
  • Citizens Community Bancorp's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • Citizens Community Bancorp has a low allowance for bad loans.
  • Citizens Community Bancorp has an acceptable level of bad loans (less than 2%).
Show me more healthy companies in the Banks industry
X
Financial health checks
We assess Citizens Community Bancorp's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
    7. Citizens Community Bancorp has a total score of 5/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

CZWI Dividends

 What is Citizens Community Bancorp's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
1.75%
Current annual income from Citizens Community Bancorp dividends. Estimated to be 1.78% next year.
If you bought $2,000 of Citizens Community Bancorp shares you are expected to receive $35 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Citizens Community Bancorp's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.46%).
  • Citizens Community Bancorp's dividend is below the markets top 25% of dividend payers in United States of America (3.72%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NasdaqGM:CZWI Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 3 Analyst Estimates (S&P Global) See Below
United States of America Banks Industry Average Dividend Yield Market Cap Weighted Average of 475 Stocks 2.9%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2003 Stocks 2.5%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.5%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NasdaqGM:CZWI Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2020-12-31 0.21 3.00
2019-12-31 0.20 3.00
NasdaqGM:CZWI Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2019-01-28 0.200 1.684
2018-12-10 0.200 1.781
2018-10-26 0.200 1.646
2018-08-10 0.200 1.438
2018-07-27 0.200 1.412
2018-05-14 0.200 1.438
2018-04-27 0.200 1.438
2018-02-13 0.200 1.432
2018-01-26 0.200 1.462
2017-12-13 0.160 1.189
2017-11-07 0.160 1.178
2017-08-07 0.160 1.164
2017-07-31 0.160 1.139
2017-02-27 0.160 1.163
2016-12-29 0.120 0.959
2016-10-28 0.120 1.043
2016-08-12 0.120 1.114
2016-07-29 0.120 1.175
2016-02-29 0.120 1.259
2015-12-07 0.080 0.865
2015-08-10 0.080 0.891
2015-07-27 0.080 0.875
2015-03-02 0.080 0.873
2014-12-08 0.040 0.437
2014-11-04 0.040 0.440
2014-08-11 0.040 0.455
2014-07-25 0.040 0.454
2014-02-28 0.040 0.487
2013-12-09 0.020 0.257
2013-11-01 0.020 0.265
2013-08-12 0.020 0.272
2013-07-26 0.020 0.264
2013-03-22 0.020 0.282
2011-08-15 0.000 0.000
2011-05-18 0.000 0.000
2011-02-14 0.000 0.000
2011-01-12 0.000 0.000
2010-12-23 0.000 0.000
2010-08-12 0.000 0.000
2010-05-12 0.000 0.000
2010-02-16 0.000 0.000
2009-08-10 0.200 4.813

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Dividends per share have been volatile in the past 10 years (annual drop of over 20%).
  • No dividend growth in 10 years.
Current Payout to shareholders
What portion of Citizens Community Bancorp's earnings are paid to the shareholders as a dividend.
  • Dividends paid are covered by earnings (1.9x coverage).
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Citizens Community Bancorp's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Citizens Community Bancorp afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
    7. Citizens Community Bancorp has a total score of 2/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

CZWI Management

 What is the CEO of Citizens Community Bancorp's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Steve Bianchi
COMPENSATION $547,397
AGE 55
TENURE AS CEO 2.9 years
CEO Bio

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 of Citizens Community Bancorp, Inc. since October 2018. As a 30 year banking veteran, Mr. Bianchi served in several senior management positions at Wells Fargo Bank and with Associated Bank. He served as the Chief Executive Officer at HF Financial Corp. since October 2011 and its President since April 2010. Mr. Bianchi served as the Chief Executive Officer and President of Home Federal Bank, a subsidiary of HF Financial Corp. since August 2012. He served as the President of Twin Cities Market at Home Federal Bank since April 2010 and also served as its Chief Executive Officer. Mr. Bianchi served as Senior Vice President of HF Financial Corp. He served as the Interim Chief Executive Officer and Interim President of HF Financial Corp. since October 2011 until July 2012. Mr. Bianchi served as Senior Vice President at Associated Bank, where he served as Minnesota Regional President and Minnesota Regional Commercial Banking Manager from July 2006 to April 2010. Before that, he served as Twin Cities Business Banking Manager for Wells Fargo Bank, where he held several other management positions over 14 years. He has been a Director of Citizens Community Bancorp, Inc. since May 25, 2017. He has been a Director of Citizens Community Federal since June 24, 2016. Mr. Bianchi received his B.S. degree in Finance and M.B.A. from Providence College.

CEO Compensation
  • Steve's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
  • Steve's remuneration is about average for companies of similar size in United States of America.
Management Team Tenure

Average tenure of the Citizens Community Bancorp management team in years:

1.6
Average Tenure
  • The average tenure for the Citizens Community Bancorp management team is less than 2 years, this suggests a new team.
Management Team

Steve Bianchi

TITLE
Chairman of the Board
COMPENSATION
$547K
AGE
55
TENURE
2.9 yrs

James Broucek

TITLE
Executive VP
COMPENSATION
$266K
AGE
54
TENURE
1.6 yrs

Mike Dietsch

TITLE
Community Bank President of Faribault
TENURE
0.2 yrs
Board of Directors Tenure

Average tenure and age of the Citizens Community Bancorp board of directors in years:

1.3
Average Tenure
66
Average Age
  • The average tenure for the Citizens Community Bancorp board of directors is less than 3 years, this suggests a new board.
Board of Directors

Steve Bianchi

TITLE
Chairman of the Board
COMPENSATION
$547K
AGE
55
TENURE
0.6 yrs

Richard McHugh

TITLE
Lead Director
COMPENSATION
$49K
AGE
75
TENURE
0.6 yrs

Mike Swenson

TITLE
Director
COMPENSATION
$45K
AGE
67
TENURE
8 yrs

Timothy Olson

TITLE
Outside Independent Director
COMPENSATION
$24K
AGE
58
TENURE
1.2 yrs

Kristina Bourget

TITLE
Outside Independent Director
COMPENSATION
$21K
AGE
53
TENURE
1.2 yrs

James Lang

TITLE
Director
COMPENSATION
$57K
AGE
74
TENURE
6.5 yrs

Fran Felber

TITLE
Director
COMPENSATION
$46K
AGE
65
TENURE
1.7 yrs

Jim Moll

TITLE
Director
COMPENSATION
$33K
AGE
68
TENURE
1.3 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
23. Nov 18 Buy Stephen Bianchi Individual 20. Nov 18 20. Nov 18 200 $11.85 $2,370
20. Nov 18 Buy James Broucek Individual 16. Nov 18 16. Nov 18 600 $11.99 $7,194
20. Nov 18 Buy Kristina Bourget Individual 16. Nov 18 16. Nov 18 1,000 $11.99 $11,990
15. Nov 18 Buy James Broucek Individual 14. Nov 18 14. Nov 18 500 $12.27 $6,135
15. Nov 18 Buy James Moll Individual 14. Nov 18 14. Nov 18 1,000 $12.27 $12,208
14. Nov 18 Buy James Broucek Individual 12. Nov 18 12. Nov 18 1,000 $12.46 $12,460
08. Nov 18 Buy Stephen Bianchi Individual 06. Nov 18 08. Nov 18 1,300 $12.50 $16,105
02. Nov 18 Buy James Broucek Individual 02. Nov 18 02. Nov 18 500 $12.50 $6,250
02. Nov 18 Buy Stephen Bianchi Individual 01. Nov 18 01. Nov 18 1,000 $12.50 $12,500
X
Management checks
We assess Citizens Community Bancorp's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
    5. Citizens Community Bancorp has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

CZWI News

Simply Wall St News

What Kind Of Investor Owns Most Of Citizens Community Bancorp, Inc. (NASDAQ:CZWI)?

So it's nice to see some insider ownership, because it may suggest that management is owner-oriented. … Taking a look at our data on the ownership groups (below), it's seems that. … We can zoom in on the different ownership groups, to learn more about CZWI

Simply Wall St - –

Is Citizens Community Bancorp, Inc.'s (NASDAQ:CZWI) CEO Being Overpaid?

First, this article will compare CEO compensation with compensation at similar sized companies. … How Does Steve Bianchi's Compensation Compare With Similar Sized Companies. … is worth US$133m, and total annual CEO compensation is US$547k.

Simply Wall St - –

Citizens Community Bancorp (NASDAQ:CZWI) Shareholders Booked A 53% Gain In The Last Five Years

To wit, the Citizens Community Bancorp share price has climbed 53% in five years, easily topping the market return of 44% (ignoring dividends). … During five years of share price growth, Citizens Community Bancorp achieved compound earnings per share (EPS) growth of 23% per year. … The EPS growth is more impressive than the yearly share price gain of 8.9% over the same period.

Simply Wall St - –

How Does Citizens Community Bancorp, Inc. (NASDAQ:CZWI) Fare As A Dividend Stock?

Historically, Citizens Community Bancorp, Inc. … Let's take a look at Citizens Community Bancorp in more detail. … Check out our latest analysis for Citizens Community Bancorp

Simply Wall St - –

Is Citizens Community Bancorp, Inc.'s (NASDAQ:CZWI) P/E Ratio Really That Good?

We'll show how you can use Citizens Community Bancorp, Inc.'s (NASDAQ:CZWI) P/E ratio to inform your assessment of the investment opportunity. … Citizens Community Bancorp has a P/E ratio of 15.13, based on the last twelve months. … Price to Earnings Ratio = Share Price ÷ Earnings per Share (EPS)

Simply Wall St - –

Does Citizens Community Bancorp, Inc.'s (NASDAQ:CZWI) CEO Salary Reflect Performance?

First, this article will compare CEO compensation with compensation at similar sized companies. … How Does Steve Bianchi's Compensation Compare With Similar Sized Companies. … has a market cap of US$121m, and is paying total annual CEO compensation of US$547k.

Simply Wall St - –

Is Citizens Community Bancorp Inc (NASDAQ:CZWI) A Smart Pick For Income Investors?

Historically, Citizens Community Bancorp Inc (NASDAQ:CZWI) has paid dividends to shareholders, and these days it yields 1.7%. … Let's dig deeper into whether Citizens Community Bancorp should have a place in your portfolio. … View our latest analysis for Citizens Community Bancorp

Simply Wall St - –

Is Citizens Community Bancorp Inc (NASDAQ:CZWI) Attractive At Its Current PE Ratio?

This analysis is intended to introduce important early concepts to people who are starting to invest. … Citizens Community Bancorp Inc (NASDAQ:CZWI) is trading with a trailing P/E of 28.9, which is higher than the industry average of 18.3. … Check out our latest analysis for Citizens Community Bancorp

Simply Wall St - –

Has Citizens Community Bancorp Inc (NASDAQ:CZWI) Improved Earnings In Recent Times?

Understanding how Citizens Community Bancorp Inc (NASDAQ:CZWI) is performing as a company requires looking at more than just a years' earnings. … Today I will run you through a basic sense check to gain perspective on how Citizens Community Bancorp is doing by comparing its latest earnings with its long-term trend as well as the performance of its mortgage industry peers. … See our latest analysis for Citizens Community Bancorp?

Simply Wall St - –

What You Must Know About Citizens Community Bancorp Inc's (NASDAQ:CZWI) Return on Equity

and want a simplistic look at the return on Citizens Community Bancorp Inc (NASDAQ:CZWI) stock. … Citizens Community Bancorp Inc (NASDAQ:CZWI) performed in line with its thrifts and mortgage finance industry on the basis of its ROE – producing a return of 4.50% relative to the peer average of 5.71% over the past 12 months. … But what is more interesting is whether CZWI can sustain or improve on this level of return

Simply Wall St - –

CZWI Company Info

Description

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, Minnesota, and Michigan. 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, agricultural real estate and non-real estate, commercial and industrial, and consumer loans, as well as one-to-four family residential mortgages and home equity lines-of-credit facilities. In addition, it provides a portfolio of investments, such as U.S. government sponsored agency securities, bonds and other obligations issued by states and their political subdivisions, and mortgage-backed securities. Further, the company offers Internet and mobile banking services. As of December 31, 2018, it operated through a network of 27 full-service branches. The company was founded in 1938 and is based in Eau Claire, Wisconsin.

Details
Name: Citizens Community Bancorp, Inc.
CZWI
Exchange: NasdaqGM
Founded: 1938
$125,738,409
10,990,159
Website: http://www.ccf.us
Address: Citizens Community Bancorp, Inc.
2174 Eastridge Center,
Eau Claire,
Wisconsin, 54701,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqGM CZWI Common Stock Nasdaq Global Market US USD 30. Mar 2004
Number of employees
Current staff
Staff numbers
252
Citizens Community Bancorp employees.
Industry
Regional Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/05/22 05:55
End of day share price update: 2019/05/21 00:00
Last estimates confirmation: 2019/05/16
Last earnings filing: 2019/05/09
Last earnings reported: 2019/03/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.

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