NasdaqGM:CZWI

Stock Analysis Report

Citizens Community Bancorp

Executive Summary

Citizens Community Bancorp, Inc. operates as a holding company for Citizens Community Federal N.A.

Snowflake

Fundamentals

Excellent balance sheet with reasonable growth potential.


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


Market Performance


7 Day Return

1.9%

NasdaqGM:CZWI

-2.6%

US Banks

-1.0%

US Market


1 Year Return

-21.4%

NasdaqGM:CZWI

-14.2%

US Banks

-0.4%

US Market

CZWI underperformed the Banks industry which returned -14.2% over the past year.

CZWI underperformed the Market in United States of America which returned -0.4% over the past year.


Share holder returns

CZWIIndustryMarket
7 Day1.9%-2.6%-1.0%
30 Day3.1%-5.5%-3.3%
90 Day-1.2%-3.5%0.4%
1 Year-20.1%-21.4%-11.8%-14.2%1.8%-0.4%
3 Year13.4%8.5%42.2%32.4%39.4%30.4%
5 Year31.4%22.9%53.3%36.7%54.2%37.1%

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

Valuation

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

17.94x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Citizens Community Bancorp's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Citizens Community Bancorp's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

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

Citizens Community Bancorp is good value based on expected growth next year.


Price Based on Value of Assets

Citizens Community Bancorp is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

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

23.1%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Citizens Community Bancorp's revenue is expected to grow by 8.1% yearly, however this is not considered high growth (20% yearly).

Citizens Community Bancorp's earnings are expected to grow significantly at over 20% yearly.

Citizens Community Bancorp's revenue growth is expected to exceed the United States of America market average.

Citizens Community Bancorp's earnings growth is expected to exceed the United States of America market average.

Citizens Community Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Citizens Community Bancorp is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


Next Steps

Past Performance

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

21.2%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Citizens Community Bancorp has delivered over 20% year on year earnings growth in the past 5 years.

Citizens Community Bancorp's 1-year earnings growth exceeds its 5-year average (203% vs 21.2%)

Citizens Community Bancorp's earnings growth has exceeded the US Banks industry average in the past year (203% vs 33.2%).


Return on Equity

Citizens Community Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Citizens Community Bancorp used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

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.


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

Citizens Community Bancorp has an acceptable proportion of non-loan assets held.

Citizens Community Bancorp has a low allowance for bad loans.

Citizens Community Bancorp's liabilities are made up of primarily low risk sources of funding.

Citizens Community Bancorp's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Citizens Community Bancorp are broadly funded by customer deposits.

Citizens Community Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

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

1.84%

Expected Dividend Yield


Dividend Yield and Payments Analysis

Citizens Community Bancorp's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Citizens Community Bancorp's dividend is below the markets top 25% of dividend payers in United States of America (3.84%).

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

Dividends paid are well covered by earnings (3.1x coverage).


Future Payout to Shareholders

Dividends after 3 years are expected to be well covered by earnings (6.1x coverage).


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?

1.8yrs

Average management tenure


CEO

Steve Bianchi (56yo)

3.2yrs

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

Steve's remuneration is about average for companies of similar size in United States of America.

Steve's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

1.8yrs

Average Tenure

The average tenure for the Citizens Community Bancorp management team is less than 2 years, this suggests a new team.


Board Age and Tenure

1.5yrs

Average Tenure

67yo

Average Age

The average tenure for the Citizens Community Bancorp board of directors is less than 3 years, this suggests a new board.


Insider Trading

More shares have been bought than sold by Citizens Community Bancorp individual insiders in the past 3 months, but not in substantial volumes.


Recent Insider Transactions

BuyUS$3,28515 Aug 19
Stephen Bianchi
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares300
Max PriceUS$10.95
BuyUS$4,34808 Aug 19
Stephen Bianchi
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares400
Max PriceUS$10.89
BuyUS$2,72306 Aug 19
James Broucek
EntityIndividual
Role
Executive VP
Shares251
Max PriceUS$10.85
BuyUS$2,37023 Nov 18
Stephen Bianchi
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares200
Max PriceUS$11.85
BuyUS$7,19420 Nov 18
James Broucek
EntityIndividual
Role
Executive VP
Shares600
Max PriceUS$11.99
BuyUS$11,99020 Nov 18
Kristina Bourget
EntityIndividual
Role
Member of the Board of Directors
Shares1,000
Max PriceUS$11.99
BuyUS$6,13515 Nov 18
James Broucek
EntityIndividual
Role
Executive VP
Shares500
Max PriceUS$12.27
BuyUS$12,20815 Nov 18
James Moll
EntityIndividual
Role
Member of the Board of Directors
Shares1,000
Max PriceUS$12.27
BuyUS$12,46014 Nov 18
James Broucek
EntityIndividual
Role
Executive VP
Shares1,000
Max PriceUS$12.46
BuyUS$16,10508 Nov 18
Stephen Bianchi
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares1,300
Max PriceUS$12.50
BuyUS$6,25002 Nov 18
James Broucek
EntityIndividual
Role
Executive VP
Shares500
Max PriceUS$12.50
BuyUS$12,50002 Nov 18
Stephen Bianchi
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares1,000
Max PriceUS$12.50

Ownership Breakdown


Management Team

  • James Broucek (55yo)

    Executive VP

    • Tenure: 1.8yrs
    • Compensation: $265.85k
  • Steve Bianchi (56yo)

    Chairman of the Board

    • Tenure: 3.2yrs
    • Compensation: $547.40k
  • Mike Dietsch

    Community Bank President of Faribault

    • Tenure: 0.4yrs

Board Members

  • Jim Moll (69yo)

    Director

    • Tenure: 1.6yrs
    • Compensation: $32.75k
  • Richard McHugh (76yo)

    Lead Director

    • Tenure: 0.8yrs
    • Compensation: $49.00k
  • Mike Swenson (68yo)

    Director

    • Tenure: 8.3yrs
    • Compensation: $45.00k
  • Steve Bianchi (56yo)

    Chairman of the Board

    • Tenure: 0.8yrs
    • Compensation: $547.40k
  • James Lang (75yo)

    Director

    • Tenure: 6.8yrs
    • Compensation: $56.50k
  • Fran Felber (66yo)

    Director

    • Tenure: 1.9yrs
    • Compensation: $45.50k
  • Timothy Olson (59yo)

    Outside Independent Director

    • Tenure: 1.4yrs
    • Compensation: $24.50k
  • Kristina Bourget (54yo)

    Outside Independent Director

    • Tenure: 1.4yrs
    • Compensation: $21.00k

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$123.981m
  • Shares outstanding: 11.27m
  • Website: Click here

Number of Employees


Location

  • Citizens Community Bancorp, Inc.
  • 2174 Eastridge Center
  • Eau Claire
  • Wisconsin
  • 54701
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CZWINasdaqGM (Nasdaq Global Market)YesCommon StockUSUSDMar 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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/18 00:11
End of Day Share Price2019/08/16 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.