Financhill
Buy
77

CZWI Quote, Financials, Valuation and Earnings

Last price:
$18.44
Seasonality move :
0.82%
Day range:
$18.20 - $18.71
52-week range:
$12.69 - $18.74
Dividend yield:
1.95%
P/E ratio:
14.33x
P/S ratio:
1.89x
P/B ratio:
0.95x
Volume:
79.5K
Avg. volume:
41.8K
1-year change:
16.18%
Market cap:
$178.2M
Revenue:
$98.9M
EPS (TTM):
$1.29

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
CZWI
Citizens Community Bancorp, Inc. (Wisconsin)
$16.3M $0.40 -30.79% 15.73% $20.00
AROW
Arrow Financial Corp.
$43.3M $0.80 -24.41% 108.72% $33.50
CZNC
Citizens & Northern Corp.
$35.4M $0.59 -13.4% 44.96% $22.25
PCB
PCB Bancorp
$29.3M $0.60 -40.58% 29.65% $25.25
PEBO
Peoples Bancorp, Inc. (Ohio)
$117.9M $0.88 -22.6% 15.96% $34.00
SHBI
Shore Bancshares, Inc.
$57.6M $0.47 -32.5% 17.43% $19.00
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
CZWI
Citizens Community Bancorp, Inc. (Wisconsin)
$18.45 $20.00 $178.2M 14.33x $0.36 1.95% 1.89x
AROW
Arrow Financial Corp.
$32.67 $33.50 $537.2M 15.71x $0.29 3.49% 2.31x
CZNC
Citizens & Northern Corp.
$21.45 $22.25 $381.9M 12.26x $0.28 5.22% 2.05x
PCB
PCB Bancorp
$22.20 $25.25 $316.6M 9.25x $0.20 3.6% 1.55x
PEBO
Peoples Bancorp, Inc. (Ohio)
$31.21 $34.00 $1.1B 10.92x $0.41 5.22% 1.79x
SHBI
Shore Bancshares, Inc.
$18.26 $19.00 $610.4M 10.72x $0.12 2.63% 1.80x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
CZWI
Citizens Community Bancorp, Inc. (Wisconsin)
20.28% -0.008 30% 0.00x
AROW
Arrow Financial Corp.
7.46% 0.319 7.24% 0.00x
CZNC
Citizens & Northern Corp.
37.22% 0.493 56.63% 0.00x
PCB
PCB Bancorp
4.7% 0.243 5.14% 0.00x
PEBO
Peoples Bancorp, Inc. (Ohio)
37.88% 0.646 67.53% 0.00x
SHBI
Shore Bancshares, Inc.
19.06% 1.135 24.78% 0.00x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
CZWI
Citizens Community Bancorp, Inc. (Wisconsin)
-- $4.5M 5.21% 7.06% 54.04% $6.2M
AROW
Arrow Financial Corp.
-- $16.6M 7.46% 8.5% 57.88% $14.3M
CZNC
Citizens & Northern Corp.
-- $8.9M 5.6% 9.51% 47.39% $8.5M
PCB
PCB Bancorp
-- $15.9M 8.42% 9.24% 73.6% $16.2M
PEBO
Peoples Bancorp, Inc. (Ohio)
-- $38M 6.14% 8.84% 50.74% $12.7M
SHBI
Shore Bancshares, Inc.
-- $19M 8.25% 10.27% 55.98% $27.7M

Citizens Community Bancorp, Inc. (Wisconsin) vs. Competitors

  • Which has Higher Returns CZWI or AROW?

    Arrow Financial Corp. has a net margin of 14.66% compared to Citizens Community Bancorp, Inc. (Wisconsin)'s net margin of 20.58%. Citizens Community Bancorp, Inc. (Wisconsin)'s return on equity of 7.06% beat Arrow Financial Corp.'s return on equity of 8.5%.

    Company Gross Margin Earnings Per Share Invested Capital
    CZWI
    Citizens Community Bancorp, Inc. (Wisconsin)
    -- $0.37 $234.3M
    AROW
    Arrow Financial Corp.
    -- $0.78 $451.4M
  • What do Analysts Say About CZWI or AROW?

    Citizens Community Bancorp, Inc. (Wisconsin) has a consensus price target of $20.00, signalling upside risk potential of 8.4%. On the other hand Arrow Financial Corp. has an analysts' consensus of $33.50 which suggests that it could grow by 2.54%. Given that Citizens Community Bancorp, Inc. (Wisconsin) has higher upside potential than Arrow Financial Corp., analysts believe Citizens Community Bancorp, Inc. (Wisconsin) is more attractive than Arrow Financial Corp..

    Company Buy Ratings Hold Ratings Sell Ratings
    CZWI
    Citizens Community Bancorp, Inc. (Wisconsin)
    2 0 0
    AROW
    Arrow Financial Corp.
    0 1 0
  • Is CZWI or AROW More Risky?

    Citizens Community Bancorp, Inc. (Wisconsin) has a beta of 0.654, which suggesting that the stock is 34.631% less volatile than S&P 500. In comparison Arrow Financial Corp. has a beta of 0.820, suggesting its less volatile than the S&P 500 by 17.99%.

  • Which is a Better Dividend Stock CZWI or AROW?

    Citizens Community Bancorp, Inc. (Wisconsin) has a quarterly dividend of $0.36 per share corresponding to a yield of 1.95%. Arrow Financial Corp. offers a yield of 3.49% to investors and pays a quarterly dividend of $0.29 per share. Citizens Community Bancorp, Inc. (Wisconsin) pays 23.88% of its earnings as a dividend. Arrow Financial Corp. pays out 61.44% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios CZWI or AROW?

    Citizens Community Bancorp, Inc. (Wisconsin) quarterly revenues are $25.1M, which are smaller than Arrow Financial Corp. quarterly revenues of $62.3M. Citizens Community Bancorp, Inc. (Wisconsin)'s net income of $3.7M is lower than Arrow Financial Corp.'s net income of $12.8M. Notably, Citizens Community Bancorp, Inc. (Wisconsin)'s price-to-earnings ratio is 14.33x while Arrow Financial Corp.'s PE ratio is 15.71x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Citizens Community Bancorp, Inc. (Wisconsin) is 1.89x versus 2.31x for Arrow Financial Corp.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    CZWI
    Citizens Community Bancorp, Inc. (Wisconsin)
    1.89x 14.33x $25.1M $3.7M
    AROW
    Arrow Financial Corp.
    2.31x 15.71x $62.3M $12.8M
  • Which has Higher Returns CZWI or CZNC?

    Citizens & Northern Corp. has a net margin of 14.66% compared to Citizens Community Bancorp, Inc. (Wisconsin)'s net margin of 15.87%. Citizens Community Bancorp, Inc. (Wisconsin)'s return on equity of 7.06% beat Citizens & Northern Corp.'s return on equity of 9.51%.

    Company Gross Margin Earnings Per Share Invested Capital
    CZWI
    Citizens Community Bancorp, Inc. (Wisconsin)
    -- $0.37 $234.3M
    CZNC
    Citizens & Northern Corp.
    -- $0.42 $468.2M
  • What do Analysts Say About CZWI or CZNC?

    Citizens Community Bancorp, Inc. (Wisconsin) has a consensus price target of $20.00, signalling upside risk potential of 8.4%. On the other hand Citizens & Northern Corp. has an analysts' consensus of $22.25 which suggests that it could grow by 3.73%. Given that Citizens Community Bancorp, Inc. (Wisconsin) has higher upside potential than Citizens & Northern Corp., analysts believe Citizens Community Bancorp, Inc. (Wisconsin) is more attractive than Citizens & Northern Corp..

    Company Buy Ratings Hold Ratings Sell Ratings
    CZWI
    Citizens Community Bancorp, Inc. (Wisconsin)
    2 0 0
    CZNC
    Citizens & Northern Corp.
    0 2 0
  • Is CZWI or CZNC More Risky?

    Citizens Community Bancorp, Inc. (Wisconsin) has a beta of 0.654, which suggesting that the stock is 34.631% less volatile than S&P 500. In comparison Citizens & Northern Corp. has a beta of 0.555, suggesting its less volatile than the S&P 500 by 44.5%.

  • Which is a Better Dividend Stock CZWI or CZNC?

    Citizens Community Bancorp, Inc. (Wisconsin) has a quarterly dividend of $0.36 per share corresponding to a yield of 1.95%. Citizens & Northern Corp. offers a yield of 5.22% to investors and pays a quarterly dividend of $0.28 per share. Citizens Community Bancorp, Inc. (Wisconsin) pays 23.88% of its earnings as a dividend. Citizens & Northern Corp. pays out 66.39% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios CZWI or CZNC?

    Citizens Community Bancorp, Inc. (Wisconsin) quarterly revenues are $25.1M, which are smaller than Citizens & Northern Corp. quarterly revenues of $40.9M. Citizens Community Bancorp, Inc. (Wisconsin)'s net income of $3.7M is lower than Citizens & Northern Corp.'s net income of $6.5M. Notably, Citizens Community Bancorp, Inc. (Wisconsin)'s price-to-earnings ratio is 14.33x while Citizens & Northern Corp.'s PE ratio is 12.26x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Citizens Community Bancorp, Inc. (Wisconsin) is 1.89x versus 2.05x for Citizens & Northern Corp.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    CZWI
    Citizens Community Bancorp, Inc. (Wisconsin)
    1.89x 14.33x $25.1M $3.7M
    CZNC
    Citizens & Northern Corp.
    2.05x 12.26x $40.9M $6.5M
  • Which has Higher Returns CZWI or PCB?

    PCB Bancorp has a net margin of 14.66% compared to Citizens Community Bancorp, Inc. (Wisconsin)'s net margin of 20.63%. Citizens Community Bancorp, Inc. (Wisconsin)'s return on equity of 7.06% beat PCB Bancorp's return on equity of 9.24%.

    Company Gross Margin Earnings Per Share Invested Capital
    CZWI
    Citizens Community Bancorp, Inc. (Wisconsin)
    -- $0.37 $234.3M
    PCB
    PCB Bancorp
    -- $0.78 $403.5M
  • What do Analysts Say About CZWI or PCB?

    Citizens Community Bancorp, Inc. (Wisconsin) has a consensus price target of $20.00, signalling upside risk potential of 8.4%. On the other hand PCB Bancorp has an analysts' consensus of $25.25 which suggests that it could grow by 13.74%. Given that PCB Bancorp has higher upside potential than Citizens Community Bancorp, Inc. (Wisconsin), analysts believe PCB Bancorp is more attractive than Citizens Community Bancorp, Inc. (Wisconsin).

    Company Buy Ratings Hold Ratings Sell Ratings
    CZWI
    Citizens Community Bancorp, Inc. (Wisconsin)
    2 0 0
    PCB
    PCB Bancorp
    0 3 0
  • Is CZWI or PCB More Risky?

    Citizens Community Bancorp, Inc. (Wisconsin) has a beta of 0.654, which suggesting that the stock is 34.631% less volatile than S&P 500. In comparison PCB Bancorp has a beta of 0.545, suggesting its less volatile than the S&P 500 by 45.547%.

  • Which is a Better Dividend Stock CZWI or PCB?

    Citizens Community Bancorp, Inc. (Wisconsin) has a quarterly dividend of $0.36 per share corresponding to a yield of 1.95%. PCB Bancorp offers a yield of 3.6% to investors and pays a quarterly dividend of $0.20 per share. Citizens Community Bancorp, Inc. (Wisconsin) pays 23.88% of its earnings as a dividend. PCB Bancorp pays out 41.43% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios CZWI or PCB?

    Citizens Community Bancorp, Inc. (Wisconsin) quarterly revenues are $25.1M, which are smaller than PCB Bancorp quarterly revenues of $54.9M. Citizens Community Bancorp, Inc. (Wisconsin)'s net income of $3.7M is lower than PCB Bancorp's net income of $11.3M. Notably, Citizens Community Bancorp, Inc. (Wisconsin)'s price-to-earnings ratio is 14.33x while PCB Bancorp's PE ratio is 9.25x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Citizens Community Bancorp, Inc. (Wisconsin) is 1.89x versus 1.55x for PCB Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    CZWI
    Citizens Community Bancorp, Inc. (Wisconsin)
    1.89x 14.33x $25.1M $3.7M
    PCB
    PCB Bancorp
    1.55x 9.25x $54.9M $11.3M
  • Which has Higher Returns CZWI or PEBO?

    Peoples Bancorp, Inc. (Ohio) has a net margin of 14.66% compared to Citizens Community Bancorp, Inc. (Wisconsin)'s net margin of 18.66%. Citizens Community Bancorp, Inc. (Wisconsin)'s return on equity of 7.06% beat Peoples Bancorp, Inc. (Ohio)'s return on equity of 8.84%.

    Company Gross Margin Earnings Per Share Invested Capital
    CZWI
    Citizens Community Bancorp, Inc. (Wisconsin)
    -- $0.37 $234.3M
    PEBO
    Peoples Bancorp, Inc. (Ohio)
    -- $0.83 $1.9B
  • What do Analysts Say About CZWI or PEBO?

    Citizens Community Bancorp, Inc. (Wisconsin) has a consensus price target of $20.00, signalling upside risk potential of 8.4%. On the other hand Peoples Bancorp, Inc. (Ohio) has an analysts' consensus of $34.00 which suggests that it could grow by 8.94%. Given that Peoples Bancorp, Inc. (Ohio) has higher upside potential than Citizens Community Bancorp, Inc. (Wisconsin), analysts believe Peoples Bancorp, Inc. (Ohio) is more attractive than Citizens Community Bancorp, Inc. (Wisconsin).

    Company Buy Ratings Hold Ratings Sell Ratings
    CZWI
    Citizens Community Bancorp, Inc. (Wisconsin)
    2 0 0
    PEBO
    Peoples Bancorp, Inc. (Ohio)
    1 5 0
  • Is CZWI or PEBO More Risky?

    Citizens Community Bancorp, Inc. (Wisconsin) has a beta of 0.654, which suggesting that the stock is 34.631% less volatile than S&P 500. In comparison Peoples Bancorp, Inc. (Ohio) has a beta of 0.655, suggesting its less volatile than the S&P 500 by 34.477%.

  • Which is a Better Dividend Stock CZWI or PEBO?

    Citizens Community Bancorp, Inc. (Wisconsin) has a quarterly dividend of $0.36 per share corresponding to a yield of 1.95%. Peoples Bancorp, Inc. (Ohio) offers a yield of 5.22% to investors and pays a quarterly dividend of $0.41 per share. Citizens Community Bancorp, Inc. (Wisconsin) pays 23.88% of its earnings as a dividend. Peoples Bancorp, Inc. (Ohio) pays out 48.1% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios CZWI or PEBO?

    Citizens Community Bancorp, Inc. (Wisconsin) quarterly revenues are $25.1M, which are smaller than Peoples Bancorp, Inc. (Ohio) quarterly revenues of $156.6M. Citizens Community Bancorp, Inc. (Wisconsin)'s net income of $3.7M is lower than Peoples Bancorp, Inc. (Ohio)'s net income of $29.2M. Notably, Citizens Community Bancorp, Inc. (Wisconsin)'s price-to-earnings ratio is 14.33x while Peoples Bancorp, Inc. (Ohio)'s PE ratio is 10.92x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Citizens Community Bancorp, Inc. (Wisconsin) is 1.89x versus 1.79x for Peoples Bancorp, Inc. (Ohio). Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    CZWI
    Citizens Community Bancorp, Inc. (Wisconsin)
    1.89x 14.33x $25.1M $3.7M
    PEBO
    Peoples Bancorp, Inc. (Ohio)
    1.79x 10.92x $156.6M $29.2M
  • Which has Higher Returns CZWI or SHBI?

    Shore Bancshares, Inc. has a net margin of 14.66% compared to Citizens Community Bancorp, Inc. (Wisconsin)'s net margin of 16.9%. Citizens Community Bancorp, Inc. (Wisconsin)'s return on equity of 7.06% beat Shore Bancshares, Inc.'s return on equity of 10.27%.

    Company Gross Margin Earnings Per Share Invested Capital
    CZWI
    Citizens Community Bancorp, Inc. (Wisconsin)
    -- $0.37 $234.3M
    SHBI
    Shore Bancshares, Inc.
    -- $0.43 $713.1M
  • What do Analysts Say About CZWI or SHBI?

    Citizens Community Bancorp, Inc. (Wisconsin) has a consensus price target of $20.00, signalling upside risk potential of 8.4%. On the other hand Shore Bancshares, Inc. has an analysts' consensus of $19.00 which suggests that it could grow by 4.05%. Given that Citizens Community Bancorp, Inc. (Wisconsin) has higher upside potential than Shore Bancshares, Inc., analysts believe Citizens Community Bancorp, Inc. (Wisconsin) is more attractive than Shore Bancshares, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    CZWI
    Citizens Community Bancorp, Inc. (Wisconsin)
    2 0 0
    SHBI
    Shore Bancshares, Inc.
    1 1 0
  • Is CZWI or SHBI More Risky?

    Citizens Community Bancorp, Inc. (Wisconsin) has a beta of 0.654, which suggesting that the stock is 34.631% less volatile than S&P 500. In comparison Shore Bancshares, Inc. has a beta of 0.936, suggesting its less volatile than the S&P 500 by 6.357%.

  • Which is a Better Dividend Stock CZWI or SHBI?

    Citizens Community Bancorp, Inc. (Wisconsin) has a quarterly dividend of $0.36 per share corresponding to a yield of 1.95%. Shore Bancshares, Inc. offers a yield of 2.63% to investors and pays a quarterly dividend of $0.12 per share. Citizens Community Bancorp, Inc. (Wisconsin) pays 23.88% of its earnings as a dividend. Shore Bancshares, Inc. pays out 36.4% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios CZWI or SHBI?

    Citizens Community Bancorp, Inc. (Wisconsin) quarterly revenues are $25.1M, which are smaller than Shore Bancshares, Inc. quarterly revenues of $84.9M. Citizens Community Bancorp, Inc. (Wisconsin)'s net income of $3.7M is lower than Shore Bancshares, Inc.'s net income of $14.3M. Notably, Citizens Community Bancorp, Inc. (Wisconsin)'s price-to-earnings ratio is 14.33x while Shore Bancshares, Inc.'s PE ratio is 10.72x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Citizens Community Bancorp, Inc. (Wisconsin) is 1.89x versus 1.80x for Shore Bancshares, Inc.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    CZWI
    Citizens Community Bancorp, Inc. (Wisconsin)
    1.89x 14.33x $25.1M $3.7M
    SHBI
    Shore Bancshares, Inc.
    1.80x 10.72x $84.9M $14.3M

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