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Citizens Community Bancorp Inc

CZWI | US

20.75

USD

0.20

0.97%

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

05/06/2026

Close

20.75

Open

20.54

High

20.84

Low

19.94

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
31.7
Sharpe
1.80
Luna's Score
69/100
Recommendation
Buy

Luna says (CZWI | US)

What's Working

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

High Short-term Volatility

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

44.7%

1 month

31.7%

3 months

23.0%

6 months

23.5%

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

213.67M

MarketCap(USD)

213.67M

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: Bearish (SMA10D < SMA1M)

Intermediate-term: Bullish (SMA1M > SMA3M)

Long-term: Bullish (SMA6M > SMA12M)

SMAs: Stock Price Trends

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Range10D

2.31

Range1M

2.31

Range3M

5.32

Volumes: Market Activity

Volume Averages

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Rel. volume

1.39

Price X volume

886.48K

Peers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
Peoples Bancorp of North Carolina IncPEBKBanks - Regional - US43.08227.95M2.43%8.4931.19%
Virginia National Bankshares CorporationVABKBanks - Regional - US42.25226.92M0.00%14.6427.26%
Ohio Valley Banc CorpOVBCBanks - Regional - US48.15226.83M-0.12%9.9835.45%
First Capital IncFCAPSavings & Cooperative Banks66.14221.70M5.55%9.8631.20%
National Bankshares IncNKSHBanks - Regional - US34.8221.38M-0.29%19.511.01%
First Internet BancorpINBKBanks - Regional - US24.69214.01M1.86%17.75182.82%
Meridian BankMRBKBanks - Regional - US18.89211.40M1.94%13.67146.05%
OP BancorpOPBKBanks - Regional - US14.11208.99M0.50%9.6163.27%
Lifetime Brands IncLCUTFurnishings Fixtures & Appliances8.91197.43M-4.91%n/a113.82%
BCB Bancorp IncBCBPBanks - Regional - US11.24191.62M-0.79%11.04163.59%
  • 1

Diversifiers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
CPI Card Group IncPMTSBuilding Products & Equipment17.05190.24M-3.73%15.61-621.78%
Cosmos Group Holdings IncCOSGMedia - Diversified0.065149.04M15.25%n/a-91.95%
Kewaunee Scientific CorporationKEQUBuilding Products & Equipment37.4099107.43M-5.15%5.1619.82%
Virco Mfg. CorporationVIRCBuilding Products & Equipment5.8394.97M2.46%9.0939.79%
Reading International IncRDIBMedia - Diversified8.667.46M0.00%n/a4054.78%
ILAGILAGBuilding Products & Equipment3.563.21M1.16%n/a5.48%
Reading International IncRDIMedia - Diversified1.1833.31M0.85%n/a4054.78%
Antelope Enterprise Holdings LimitedAEHLBuilding Products & Equipment1.0214.90M-4.67%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)23.0032.77Lower Risk
Debt to Equity0.540.66Par
Debt to Assets0.050.08Cheaper
Market Cap213.67M2.81BEmerging
  • 1

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