CZWI Quote, Financials, Valuation and Earnings

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%.

Citizens Community Bancorp, Inc. (Wisconsin) has a consensus price target of $18.75, signalling upside risk potential of 4.05%. On the other hand Citizens & Northern Corp. has an analysts' consensus of $22.50 which suggests that it could grow by 8.91%. Given that Citizens & Northern Corp. has higher upside potential than Citizens Community Bancorp, Inc. (Wisconsin), analysts believe Citizens & Northern Corp. is more attractive than Citizens Community Bancorp, Inc. (Wisconsin).

Citizens Community Bancorp, Inc. (Wisconsin) has a beta of 0.698, which suggesting that the stock is 30.246% less volatile than S&P 500. In comparison Citizens & Northern Corp. has a beta of 0.571, suggesting its less volatile than the S&P 500 by 42.86%.

Citizens Community Bancorp, Inc. (Wisconsin) has a quarterly dividend of $0.36 per share corresponding to a yield of 2%. Citizens & Northern Corp. offers a yield of 5.42% 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.

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 14.00x while Citizens & Northern Corp.'s PE ratio is 11.81x. 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 1.85x versus 1.97x for Citizens & Northern Corp.. Usually stocks with elevated PS ratios are considered overvalued.

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%.

Citizens Community Bancorp, Inc. (Wisconsin) has a consensus price target of $18.75, signalling upside risk potential of 4.05%. On the other hand PCB Bancorp has an analysts' consensus of $25.25 which suggests that it could grow by 12.42%. 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).

Citizens Community Bancorp, Inc. (Wisconsin) has a beta of 0.698, which suggesting that the stock is 30.246% less volatile than S&P 500. In comparison PCB Bancorp has a beta of 0.519, suggesting its less volatile than the S&P 500 by 48.085%.

Citizens Community Bancorp, Inc. (Wisconsin) has a quarterly dividend of $0.36 per share corresponding to a yield of 2%. PCB Bancorp offers a yield of 3.56% 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.

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 14.00x while PCB Bancorp's PE ratio is 9.36x. 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 1.85x versus 1.56x for PCB Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

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%.

Citizens Community Bancorp, Inc. (Wisconsin) has a consensus price target of $18.75, signalling upside risk potential of 4.05%. On the other hand Peoples Bancorp, Inc. (Ohio) has an analysts' consensus of $34.00 which suggests that it could grow by 10.86%. 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).

Citizens Community Bancorp, Inc. (Wisconsin) has a beta of 0.698, which suggesting that the stock is 30.246% less volatile than S&P 500. In comparison Peoples Bancorp, Inc. (Ohio) has a beta of 0.670, suggesting its less volatile than the S&P 500 by 33%.

Citizens Community Bancorp, Inc. (Wisconsin) has a quarterly dividend of $0.36 per share corresponding to a yield of 2%. Peoples Bancorp, Inc. (Ohio) offers a yield of 5.32% 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.

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 14.00x while Peoples Bancorp, Inc. (Ohio)'s PE ratio is 10.73x. 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 1.85x versus 1.76x for Peoples Bancorp, Inc. (Ohio). Usually stocks with elevated PS ratios are considered overvalued.

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%.

Citizens Community Bancorp, Inc. (Wisconsin) has a consensus price target of $18.75, signalling upside risk potential of 4.05%. On the other hand Shore Bancshares, Inc. has an analysts' consensus of $19.00 which suggests that it could grow by 5.26%. Given that Shore Bancshares, Inc. has higher upside potential than Citizens Community Bancorp, Inc. (Wisconsin), analysts believe Shore Bancshares, Inc. is more attractive than Citizens Community Bancorp, Inc. (Wisconsin).

Citizens Community Bancorp, Inc. (Wisconsin) has a beta of 0.698, which suggesting that the stock is 30.246% less volatile than S&P 500. In comparison Shore Bancshares, Inc. has a beta of 0.942, suggesting its less volatile than the S&P 500 by 5.756%.

Citizens Community Bancorp, Inc. (Wisconsin) has a quarterly dividend of $0.36 per share corresponding to a yield of 2%. Shore Bancshares, Inc. offers a yield of 2.66% 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.

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 14.00x while Shore Bancshares, Inc.'s PE ratio is 10.59x. 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 1.85x versus 1.78x for Shore Bancshares, Inc.. Usually stocks with elevated PS ratios are considered overvalued.