Company Analysis Citizens Community Bancorp, Inc.
1. Summary
Advantages
- The stock's return over the last year (3.15%) is higher than the sector average (0%).
- Current debt level 3.81% is below 100% and has decreased over 5 years from 11.4%.
Disadvantages
- Price (13.77 $) is higher than fair price (2.28 $)
- Dividends (2.02%) are below the sector average (2.35%).
- The company's current efficiency (ROE=1.53%) is lower than the sector average (ROE=6.45%)
Similar companies
2. Share price and performance
2.1. Share price
2.3. Market efficiency
| Citizens Community Bancorp, Inc. | Financials | Index | |
|---|---|---|---|
| 7 days | -3.2% | -5% | -0.3% |
| 90 days | 8.3% | -0.8% | 10% |
| 1 year | 3.1% | 0% | 9.7% |
CZWI vs Sector: Citizens Community Bancorp, Inc. has outperformed the "Financials" sector by 3.15% over the past year.
CZWI vs Market: Citizens Community Bancorp, Inc. has significantly underperformed the market by -6.58% over the past year.
Stable price: CZWI is not significantly more volatile than the rest of the market on "NASDAQ" over the last 3 months, with typical variations of +/- 5% per week.
Long period: CZWI with weekly volatility of 0.0605% over the past year.
3. Summary of the report
4. Fundamental Analysis
4.1. Stock price and price forecast
Above fair price: The current price (13.77 $) is higher than the fair price (2.28 $).
Price is higher than fair: The current price (13.77 $) is 83.4% higher than the fair price.
4.2. P/E
P/E vs Sector: The company's P/E (61.86) is higher than that of the sector as a whole (21.7).
P/E vs Market: The company's P/E (61.86) is lower than that of the market as a whole (89.86).
4.2.1 P/E Similar companies
4.3. P/BV
P/BV vs Sector: The company's P/BV (0.9333) is higher than that of the sector as a whole (0.7019).
P/BV vs Market: The company's P/BV (0.9333) is lower than that of the market as a whole (9.35).
4.3.1 P/BV Similar companies
4.4. P/S
P/S vs Sector: The company's P/S indicator (2.97) is lower than that of the sector as a whole (4.72).
P/S vs Market: The company's P/S indicator (2.97) is lower than that of the market as a whole (10.1).
4.4.1 P/S Similar companies
4.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (73.86) is higher than that of the sector as a whole (9.52).
EV/Ebitda vs Market: The company's EV/Ebitda (73.86) is higher than that of the market as a whole (50.71).
5. Profitability
5.1. Profitability and revenue
5.2. Earnings per share - EPS
5.3. Past profitability Net Income
Yield Trend: Negative and has fallen by -15.74% over the last 5 years.
Accelerating profitability: The return for the last year (0%) exceeds the average return for 5 years (-15.74%).
Profitability vs Sector: The return for the last year (0%) exceeds the return for the sector (-4.44%).
5.4. ROE
ROE vs Sector: The company's ROE (1.53%) is lower than that of the sector as a whole (6.45%).
ROE vs Market: The company's ROE (1.53%) is lower than that of the market as a whole (11.64%).
5.5. ROA
ROA vs Sector: The company's ROA (0.1501%) is lower than that of the sector as a whole (6.1%).
ROA vs Market: The company's ROA (0.1501%) is lower than that of the market as a whole (6.88%).
5.6. ROIC
ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (5.05%).
ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (11%).
7. Dividends
7.1. Dividend yield vs Market
Low yield: The dividend yield of the company 2.02% is below the average for the sector '2.35%.
7.2. Stability and increase in payments
Dividend stability: The company's dividend yield 2.02% has been steadily paid over the past 7 years, DSI=1.
Dividend growth: Company's dividend yield 2.02% has been growing over the last 5 years. Growth over 5 years.
7.3. Payout percentage
Dividend Coverage: Current payments from income (123.83%) are at an uncomfortable level.
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