CZWI$20.55
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AI CZWI Summary
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Powered by LiveAIOverall Analysis
HoldCitizens Community Bancorp, Inc. presents a mixed investment profile. It offers a consistent dividend yield and stable earnings, but faces headwinds in revenue growth and a slightly elevated valuation. Technical indicators suggest a neutral short-to-medium term outlook.
Thematic
The company operates in the traditional community banking sector, which does not currently benefit from significant secular growth themes like AI or ESG innovation. Its focus on core banking services limits its exposure to high-growth thematic trends.
Fundamental
The company demonstrates solid profitability with consistent earnings and a healthy dividend yield. Its balance sheet appears stable, though revenue has seen a slight decline.
Technical
The stock's technical indicators are mixed. While it's trading above key moving averages, some oscillators are entering overbought territory, suggesting potential consolidation or a slight pullback.
| Factor | Score |
|---|---|
| Digital Transformation in Banking | 30 |
| Interest Rate Sensitivity | 70 |
| Community Banking Focus | 20 |
| Factor | Score |
|---|---|
| Valuation | 75 |
| Profitability | 80 |
| Growth | 40 |
| Balance Sheet Health | 85 |
| Cash Flow | 80 |
| Dividend Yield | 85 |
| Factor | Score |
|---|---|
| Trend Analysis | 70 |
| Momentum | 50 |
| Volume Confirmation | 60 |
| Support & Resistance | 70 |
AI Investing Checklist
Powered by LiveAIBullish Points (6)
Consistent EPS Surprises
The company has a strong track record of beating earnings per share (EPS) estimates, with positive surprises in 8 out of the last 10 quarters. The most recent quarter (2024 Q4) saw an EPS surprise of 18.52%.
Undervalued P/E Ratio
The trailing Price-to-Earnings (P/E) ratio of 11.91 is significantly lower than the industry average, suggesting the stock may be undervalued relative to its earnings.
Bearish Points (7)
High Quarterly P/S Ratio
The Price-to-Sales (P/S) ratio for Q1 2025 is 10.1, which is notably high compared to the annual P/S ratio of 3.6 (TTM), potentially indicating overvaluation on a quarterly basis.
Declining Revenue Trend
Annual revenue has shown a declining trend from $69.69M in 2021 to $56.29M in 2024, which could signal challenges in market demand or competitive positioning.
Calendar
February 2025
7
Ex-Dividend Date
February 2025
21
Next Dividend Date
July 2025
28
Next Earnings Date
H: $0.29
A: $0.29
L: $0.29
H: 14.70M
A: 14.70M
L: 14.70M
Profile
Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal N.A. that provides various traditional community banking services to businesses, agricultural operators, and consumers in the United States. The company accepts various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit. It also provides various loan products, such as commercial real estate, commercial and industrial, agricultural real estate, agricultural operating, and consumer loans; and one-to-four family residential mortgages and home equity lines-of-credit. In addition, the company maintains a portfolio of investments comprising mortgage-backed, corporate asset-backed, U.S. Government sponsored agency, and corporate debt securities. The company operates in Wisconsin, Minnesota and Other locations. Citizens Community Bancorp, Inc. was founded in 1938 and is based in Eau Claire, Wisconsin.
Seasonals
Price Target
17.75 USD
The 39 analysts offering 1 year price forecasts for CZWI have a max estimate of 18.00 and a min estimate of 17.50.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
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Direct regional competitor with significant presence in Wisconsin and Minnesota, overlapping CZWI's primary markets.
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Regional bank with operations in Minnesota and Wisconsin, making it a close geographical and business model peer.
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Operates as a savings institution and financial holding company, similar to CZWI's core business model.
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Community bank with a similar focus on traditional banking services for individuals and businesses, albeit in a different state.