Citizens Community Bancorp, Inc. operates as a holding company for Citizens Community Federal N.A.
Excellent balance sheet with solid track record.
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.
7 Day Return
1 Year Return
Return vs Industry: CZWI underperformed the US Banks industry which returned -15.5% over the past year.
Return vs Market: CZWI underperformed the US Market which returned 8.9% over the past year.
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
3 days ago | Simply Wall StShareholders Are Loving Citizens Community Bancorp, Inc.'s (NASDAQ:CZWI) 2.9% Yield
2 weeks ago | Simply Wall StInvestors Who Bought Citizens Community Bancorp (NASDAQ:CZWI) Shares Three Years Ago Are Now Down 48%
1 month ago | Simply Wall StA Rising Share Price Has Us Looking Closely At Citizens Community Bancorp, Inc.'s (NASDAQ:CZWI) P/E Ratio
Is Citizens Community Bancorp undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: CZWI ($7.69) is trading above our estimate of fair value ($1.17)
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 (7.8x) compared to the Banks industry average (9.8x).
PE vs Market: CZWI is good value based on its PE Ratio (7.8x) compared to the US market (16.4x).
Price to Earnings Growth Ratio
PEG Ratio: CZWI's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: CZWI is good value based on its PB Ratio (0.6x) compared to the US Banks industry average (0.8x).
How is Citizens Community Bancorp forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CZWI's earnings are forecast to decline over the next 3 years (-2% per year).
Earnings vs Market: CZWI's earnings are forecast to decline over the next 3 years (-2% per year).
High Growth Earnings: CZWI's earnings are forecast to decline over the next 3 years.
Revenue vs Market: CZWI's revenue (4.2% per year) is forecast to grow slower than the US market (8.8% per year).
High Growth Revenue: CZWI's revenue (4.2% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if CZWI's Return on Equity is forecast to be high in 3 years time
How has Citizens Community Bancorp performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CZWI has high quality earnings.
Growing Profit Margin: CZWI's current net profit margins (19.9%) are higher than last year (9.4%).
Past Earnings Growth Analysis
Earnings Trend: CZWI's earnings have grown significantly by 29.3% per year over the past 5 years.
Accelerating Growth: CZWI's earnings growth over the past year (188.3%) exceeds its 5-year average (29.3% per year).
Earnings vs Industry: CZWI earnings growth over the past year (188.3%) exceeded the Banks industry 2.8%.
Return on Equity
High ROE: CZWI's Return on Equity (7.5%) is considered low.
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
Financial Institutions Analysis
Asset Level: CZWI's Assets to Equity ratio (10.2x) is moderate.
Allowance for Bad Loans: CZWI has a low allowance for bad loans (67%).
Low Risk Liabilities: 87% of CZWI's liabilities are made up of primarily low risk sources of funding.
Loan Level: CZWI has an appropriate level of Loans to Assets ratio (78%).
Low Risk Deposits: CZWI's Loans to Deposits ratio (99%) is appropriate.
Level of Bad Loans: CZWI has an appropriate level of bad loans (1.5%).
What is Citizens Community Bancorp's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: CZWI's dividend (2.73%) is higher than the bottom 25% of dividend payers in the US market (1.62%).
High Dividend: CZWI's dividend (2.73%) is low compared to the top 25% of dividend payers in the US market (4.32%).
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 (21.3%), CZWI's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Steve Bianchi (56yo)
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 ($USD514.08K) is about average for companies of similar size in the US market ($USD577.87K).
Compensation vs Earnings: Steve's compensation has been consistent with company performance over the past year.
|Chairman of the Board||4yrs||US$514.08k||0.68% $580.8k|
|Executive VP||2.67yrs||US$268.46k||0.36% $309.7k|
|Community Bank President of Faribault||1.25yrs||no data||no data|
Experienced Management: CZWI's management team is considered experienced (2.7 years average tenure).
|Chairman of the Board||4yrs||US$514.08k||0.68% $580.8k|
|Independent Director||2.42yrs||US$25.00k||0.35% $297.8k|
|Lead Independent Director||1.67yrs||US$17.00k||1.96% $1.7m|
|Independent Director||9.08yrs||US$17.00k||0.10% $87.2k|
|Independent Director||7.58yrs||US$36.50k||0.61% $523.4k|
|Independent Director||2.75yrs||US$24.00k||0.19% $159.8k|
|Outside Independent Director||2.25yrs||US$27.50k||0.098% $83.9k|
|Outside Independent Director||2.25yrs||US$19.50k||0.077% $66.2k|
Experienced Board: CZWI's board of directors are not considered experienced ( 2.3 years average tenure), which suggests a new board.
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
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Citizens Community Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Citizens Community Bancorp, Inc.
- Ticker: CZWI
- Exchange: NasdaqGM
- Founded: 1938
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$85.749m
- Shares outstanding: 11.15m
- Website: https://www.ccf.us
Number of Employees
- Citizens Community Bancorp, Inc.
- 2174 Eastridge Center
- Eau Claire
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|CZWI||NasdaqGM (Nasdaq Global Market)||Yes||Common Stock||US||USD||Mar 2004|
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||2020/06/05 03:45|
|End of Day Share Price||2020/06/04 00:00|
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.