Company Analysis Citizens Community Bancorp, Inc.
1. Summary
Advantages
- Price (13.78 $) is less than fair price (14.62 $)
- Dividends (2.35%) are higher than the sector average (1.73%).
- The stock's return over the last year (19.51%) is higher than the sector average (-42.28%).
- The company's current efficiency (ROE=7.53%) is higher than the sector average (ROE=6.37%)
Disadvantages
- Current debt level 11.45% has increased over 5 years from 11.4%.
Similar companies
2. Share price and performance
2.1. Share price
2.2. News
2.3. Market efficiency
| Citizens Community Bancorp, Inc. | Financials | Index | |
|---|---|---|---|
| 7 days | -1.3% | -5.5% | 1.4% |
| 90 days | -12.4% | -12.7% | -9.5% |
| 1 year | 19.5% | -42.3% | 10.3% |
CZWI vs Sector: Citizens Community Bancorp, Inc. has outperformed the "Financials" sector by 61.79% over the past year.
CZWI vs Market: Citizens Community Bancorp, Inc. has outperformed the market by 9.18% 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 0.3752% over the past year.
3. Summary of the report
4. Fundamental Analysis
4.1. Stock price and price forecast
Below fair price: The current price (13.78 $) is lower than the fair price (14.62 $).
Price not significantly lower than the fair price: The current price (13.78 $) is slightly lower than the fair price by 6.1%.
4.2. P/E
P/E vs Sector: The company's P/E (9.14) is lower than that of the sector as a whole (21.78).
P/E vs Market: The company's P/E (9.14) is lower than that of the market as a whole (48.7).
4.2.1 P/E Similar companies
4.3. P/BV
P/BV vs Sector: The company's P/BV (0.6886) is higher than that of the sector as a whole (0.5943).
P/BV vs Market: The company's P/BV (0.6886) is lower than that of the market as a whole (3.42).
4.3.1 P/BV Similar companies
4.4. P/S
P/S vs Sector: The company's P/S indicator (1.27) is lower than that of the sector as a whole (4.23).
P/S vs Market: The company's P/S indicator (1.27) is lower than that of the market as a whole (10.24).
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 (15.38).
EV/Ebitda vs Market: The company's EV/Ebitda (73.86) is higher than that of the market as a whole (25.23).
5. Profitability
5.1. Profitability and revenue
5.2. Earnings per share - EPS
5.3. Past profitability Net Income
Yield Trend: Rising and has grown by 0.5654% over the last 5 years.
Earnings Slowdown: The last year's return (0%) is below the 5-year average return (0.5654%).
Profitability vs Sector: The return for the last year (0%) exceeds the return for the sector (-20.64%).
5.4. ROE
ROE vs Sector: The company's ROE (7.53%) is higher than that of the sector as a whole (6.37%).
ROE vs Market: The company's ROE (7.53%) is lower than that of the market as a whole (8.97%).
5.5. ROA
ROA vs Sector: The company's ROA (0.7054%) is lower than that of the sector as a whole (5.98%).
ROA vs Market: The company's ROA (0.7054%) is lower than that of the market as a whole (6.31%).
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 (10.96%).
7. Dividends
7.1. Dividend yield vs Market
High yield: The dividend yield of the company 2.35% is higher than the average for the sector '1.73%.
7.2. Stability and increase in payments
Dividend stability: The company's dividend yield 2.35% has been steadily paid over the past 7 years, DSI=1.
Weak dividend growth: The company's dividend yield 2.35% has been growing weakly or stagnant over the past 5 years. Growth over only 4 years.
7.3. Payout percentage
Dividend Coverage: Current payments from income (23.28%) are at an uncomfortable level.
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