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Citizens Community Bancorp Inc

CZWI | US

19.55

USD

0.14

0.72%

CZWI | US
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About Citizens Community Bancorp Inc

Sector

Financial Services

Industry

Banks - Regional - US

Earnings date

30/06/2024

As of date

24/03/2026

Close

19.55

Open

19.40

High

19.75

Low

19.31

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. The company accepts various deposit products including demand deposits savings and money market accounts and certificates of deposit. It also offers various loan products comprising 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 provides a portfolio of investments such as mortgage-backed corporate asset-backed U.S. Government sponsored agency corporate debt and trust preferred securities. The company was founded in 1938 and is based in Eau Claire Wisconsin.

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CZWI | US

Risk
26.7
Sharpe
1.20
Luna's Score
73/100
Recommendation
Buy

Luna says (CZWI | US)

What's Working

Positive Momentum

Strength based on increasing price with high volume

Low 6-Month Volatility (<30%)

Good Dividend Yield (2% <= Dividend Yield <= 8%)

Low Debt to Asset (< 0.2)

Value Stock (Price to Book < 3)

Strong Operating Margin (> 25%)

Strong Sharpe Ratio (> 1.2)

What's not Working

Microcap (<300M USD)

High Market Beta (> 0.8)

Volatility Signals

Bullish: Stable Volatility (6-month <= 1-month volatility) is positive for the stock performance.

Risk Meter

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10 days

19.1%

1 month

26.7%

3 months

25.3%

6 months

22.6%

Returns

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Fundamental Ratios

PE

10.60

Fwd. PE

11.01

Price to book

0.83

Debt to equity

0.54

Debt to assets

0.05

Ent. to EBITDA

-

Ent. to rev.

4.16

PEG

-

Other Fundamentals

EBITDA

-

MarketCap

201.31M

MarketCap(USD)

201.31M

Div. yield

2.25

Op. margin

33.77

Erngs. growth

14.40

Rev. growth

4.80

Ret. on equity

8.17

Short ratio

5.31

Short perc.

0.42

Market Sentiment (SMA and Price signals)

Short-term: Bullish (SMA10D > SMA1M)

Intermediate-term: Bullish (SMA1M > SMA3M)

Long-term: Bullish (SMA6M > SMA12M)

SMAs: Stock Price Trends

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Range10D

2.00

Range1M

2.48

Range3M

2.48

Volumes: Market Activity

Volume Averages

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Rel. volume

1.09

Price X volume

1.30M

Peers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
Franklin Financial Services CorporationFRAFBanks - Regional - US50.11220.93M-0.08%9.74222.36%
First Northern Community BancorpFNRNBanks - Regional - US14.13219.28M-0.14%8.160.00%
First Community CorporationFCCOBanks - Regional - US28.51217.83M-0.37%13.7693.65%
Meridian BankMRBKBanks - Regional - US18.9211.51M0.96%13.67146.05%
Virginia National Bankshares CorporationVABKBanks - Regional - US38.75208.12M-1.37%14.6427.26%
Peoples Bancorp of North Carolina IncPEBKBanks - Regional - US38.51203.77M1.13%8.4931.19%
Ohio Valley Banc CorpOVBCBanks - Regional - US41.97197.72M0.02%9.9835.45%
OP BancorpOPBKBanks - Regional - US13.21195.66M2.24%9.6163.27%
First Internet BancorpINBKBanks - Regional - US20.81180.38M0.10%17.75182.82%
Central Federal CorporationCFBKBanks - Regional - US28.22180.27M0.53%12.0298.43%
  • 1

Diversifiers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
CPI Card Group IncPMTSBuilding Products & Equipment14.13157.66M0.28%15.61-621.78%
Virco Mfg. CorporationVIRCBuilding Products & Equipment6.0698.71M-1.30%9.0939.79%
Kewaunee Scientific CorporationKEQUBuilding Products & Equipment34.1898.16M-1.01%5.1619.82%
Reading International IncRDIBMedia - Diversified9.574.52M-1.04%n/a4054.78%
ILAGILAGBuilding Products & Equipment2.150138.83M-10.04%n/a5.48%
Reading International IncRDIMedia - Diversified1.2334.72M1.65%n/a4054.78%
Antelope Enterprise Holdings LimitedAEHLBuilding Products & Equipment1.5422.50M-7.23%0.0316.03%
  • 1

Industry Comparison

ParameterCompanyIndustryIndicator
Enterprise to EBITDA--25.13-
Ent. to Revenue4.1673.69Cheaper
PE Ratio10.6018.44Cheaper
Price to Book0.833,795.44Cheaper
Dividend Yield2.253.11Poor
Std. Deviation (3M)25.2932.77Lower Risk
Debt to Equity0.540.66Par
Debt to Assets0.050.08Cheaper
Market Cap201.31M2.81BEmerging
  • 1

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