Citizens Community Bancorp Inc. (CZWI) stock analysis

P/E above its 5-year median

Citizens Community Bancorp's P/E of 15.9 is above its own 5-year median of 10.8.

P/E above the industry

Citizens Community Bancorp's P/E of 15.9 is above the Savings Institutions median of 13.6.

P/S below the industry

Citizens Community Bancorp's price-to-sales of 3.52 is below the Savings Institutions median of 3.72.

P/B above the industry

Citizens Community Bancorp's price-to-book of 1.21 is above the Savings Institutions median of 1.04.

Trading above fair value

The share price of $23.82 is above our fair value estimate of $18.35.

Margin of safety under 20%

The price is 29.8% above fair value, so there is no margin of safety.

Revenue growing under 10% a year

Revenue grew -2.3% a year over the last three fiscal years, short of the 10% we look for.

EPS growing under 10% a year

Diluted EPS grew -4.8% a year over the last three fiscal years.

Earnings growth accelerating

Net income grew 13.1% over the last twelve months, against a 5-year average of 2.5% a year.

Growing slower than the industry

Revenue grew 8.4% over the last twelve months; the Savings Institutions median is 8.4%.

Company guidance

No outlook found in earnings releases from the last twelve months.

Gross margin trend

Banks and insurers do not report gross profit.

Return on equity under 15%

Return on equity was 7.7% over the last twelve months and averaged 9.3% over five years; we look for 15% on both.

Return on assets under 1%

Return on assets was 0.8%; for a bank or insurer, 1% or more is considered good.

Return on equity above the industry

Citizens Community Bancorp's return on equity of 7.7% is above the Savings Institutions median of 5.9%.

Earnings grew over 5 years

Net income grew 2.5% a year on average over the last five fiscal years.

Net margin below its 5-year average

Net margin was 22.2% over the last twelve months, against a 5-year average of 25.4%.

Net margin above the industry

Citizens Community Bancorp's net margin of 22.2% is above the Savings Institutions median of 21.8%.

Well capitalized

Equity is 10.6% of total assets; 8% or more is a comfortable cushion.

Loans funded by deposits

Loans equal 88.7% of deposits, so lending is funded by customer deposits.

Adequate loan-loss reserve

The allowance for credit losses is 1.9% of loans; we look for at least 1%.

High cost base

Non-interest expense takes 65.2% of revenue; under 60% is efficient for a bank.

Deposits growing

Deposits grew 3.8% over the past year.

Borrowings

Needs debt and equity figures.

Pays a dividend

Citizens Community Bancorp paid dividends worth 1.8% of the share price over the last twelve months.

Yield below Treasuries

The 1.8% yield is below the 4.7% on a 1-year Treasury.

Yield below the top quarter

The top quarter of US dividend payers yield 3.8% or more; Citizens Community Bancorp yields 1.8%.

Dividend not cut

The dividend per share has not fallen by more than 10% in any of the last 10 fiscal years.

Covered by earnings

Dividends take 20.9% of net income.

Covered by free cash flow

Dividends take 16.7% of free cash flow.