Citizens Community Bancorp
Market Cap
US$68.6m
Last Updated
2020/04/09 00:05 UTC
Data Sources
Company Financials +
Executive Summary
Citizens Community Bancorp, Inc. operates as a holding company for Citizens Community Federal N.A.
Snowflake Analysis
Solid track record with excellent balance sheet and pays a dividend.
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's share price has been volatile over the past 3 months.
Market Performance
7 Day Return
9.4%
CZWI
14.6%
US Banks
9.4%
US Market
1 Year Return
-49.2%
CZWI
-24.3%
US Banks
-6.8%
US Market
Return vs Industry: CZWI underperformed the US Banks industry which returned -32.9% over the past year.
Return vs Market: CZWI underperformed the US Market which returned -13.3% over the past year.
Shareholder returns
| CZWI | Industry | Market | |
|---|---|---|---|
| 7 Day | 9.4% | 14.6% | 9.4% |
| 30 Day | -40.9% | -4.4% | -3.9% |
| 90 Day | -49.0% | -33.9% | -16.5% |
| 1 Year | -48.3%-49.2% | -22.0%-24.3% | -4.8%-6.8% |
| 3 Year | -54.3%-56.5% | -8.3%-15.1% | 23.4%15.2% |
| 5 Year | -27.9%-33.2% | 16.7%3.3% | 41.3%25.7% |
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
4 days ago | Simply Wall St
Is Now The Time To Look At Buying Citizens Community Bancorp, Inc. (NASDAQ:CZWI)?3 weeks ago | Simply Wall St
What Is Citizens Community Bancorp's (NASDAQ:CZWI) P/E Ratio After Its Share Price Tanked?4 weeks ago | Simply Wall St
How Much Of Citizens Community Bancorp, Inc. (NASDAQ:CZWI) Do Insiders Own?Valuation
Is Citizens Community Bancorp undervalued compared to its fair value and its price relative to the market?
7.22x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: CZWI ($5.76) is trading above our estimate of fair value ($1.3)
Significantly Below Fair Value: CZWI is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: CZWI is good value based on its PE Ratio (6.8x) compared to the Banks industry average (8.6x).
PE vs Market: CZWI is good value based on its PE Ratio (6.8x) compared to the US market (12.5x).
Price to Earnings Growth Ratio
PEG Ratio: CZWI is good value based on its PEG Ratio (0.7x)
Price to Book Ratio
PB vs Industry: CZWI is good value based on its PB Ratio (0.4x) compared to the US Banks industry average (0.8x).
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Future Growth
How is Citizens Community Bancorp forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
9.8%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CZWI's forecast earnings growth (9.8% per year) is above the savings rate (1.7%).
Earnings vs Market: CZWI's earnings (9.8% per year) are forecast to grow slower than the US market (13.4% per year).
High Growth Earnings: CZWI's earnings are forecast to grow, but not significantly.
Revenue vs Market: CZWI's revenue (7.6% per year) is forecast to grow faster than the US market (7% per year).
High Growth Revenue: CZWI's revenue (7.6% 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 (6.9%).
Next Steps
Past Performance
How has Citizens Community Bancorp performed over the past 5 years?
26.7%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CZWI has high quality earnings.
Growing Profit Margin: CZWI's current net profit margins (18%) are higher than last year (10.9%).
Past Earnings Growth Analysis
Earnings Trend: CZWI's earnings have grown significantly by 26.7% per year over the past 5 years.
Accelerating Growth: CZWI's earnings growth over the past year (125.1%) exceeds its 5-year average (26.7% per year).
Earnings vs Industry: CZWI earnings growth over the past year (125.1%) exceeded the Banks industry 10.9%.
Return on Equity
High ROE: CZWI's Return on Equity (6.3%) is considered low.
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
Financial Institutions Analysis
Asset Level: CZWI's level of assets compared to its equity is moderate.
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 (1.7%)
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Dividend
What is Citizens Community Bancorp's current dividend yield, its reliability and sustainability?
3.41%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: CZWI's dividend (3.65%) is higher than the bottom 25% of dividend payers in the US market (2.01%).
High Dividend: CZWI's dividend (3.65%) is low compared to the top 25% of dividend payers in the US market (5.66%).
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 increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (23.5%), 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 (21.1% payout ratio).
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Management
How experienced are the management team and are they aligned to shareholders interests?
2.5yrs
Average management tenure
CEO
Steve Bianchi (56yo)
3.83s
Tenure
US$547,397
Compensation
Mr. Stephen M. Bianchi, also known as Steve, has been the Chief Executive Officer and President of Citizens Community Bancorp, Inc. and Citizens Community Federal since June 24, 2016. He has been Chairman ...
CEO Compensation Analysis
Compensation vs Market: Steve's total compensation ($USD0.00) is below average for companies of similar size in the US market ($USD622.20K).
Compensation vs Earnings: Steve's compensation has increased by more than 20% in the past year.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Chairman of the Board | 3.83yrs | US$547.40k | 0.67% $456.5k | |
| Executive VP | 2.5yrs | US$280.45k | 0.35% $240.3k | |
| Community Bank President of Faribault | 1.08yrs | no data | no data |
2.5yrs
Average Tenure
Experienced Management: CZWI's management team is considered experienced (2.5 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Chairman of the Board | 3.83yrs | US$547.40k | 0.67% $456.5k | |
| Independent Director | 2.25yrs | US$32.75k | 0.32% $222.6k | |
| Lead Director | 1.5yrs | US$36.74k | 1.92% $1.3m | |
| Director | no data | no data | 0.023% $15.7k | |
| Independent Director | 8.92yrs | US$29.74k | 0.10% $69.8k | |
| Independent Director | 7.42yrs | US$29.24k | 0.61% $418.6k | |
| Director | 2.58yrs | US$45.50k | 0.18% $121.7k | |
| Outside Independent Director | 2.08yrs | US$29.24k | 0.071% $48.6k | |
| Outside Independent Director | 2.08yrs | US$21.00k | 0.072% $49.1k | |
| Director | no data | no data | 0.050% $34.6k |
2.2yrs
Average Tenure
66yo
Average Age
Experienced Board: CZWI's board of directors are not considered experienced ( 2.2 years average tenure), which suggests a new board.
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: CZWI insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have been substantially diluted in the past year, with total shares outstanding growing by 56.2%.
Top Shareholders
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$68.579m
- Shares outstanding: 11.15m
- 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, 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.
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2020/04/09 00:05 |
| End of Day Share Price | 2020/04/08 00:00 |
| Earnings | 2019/12/31 |
| Annual Earnings | 2019/12/31 |
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.