Citizens Community Bancorp, Inc. (Wisconsin) (CZWI) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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Summit State Bank (California)

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FinWise Bancorp

First Savings Financial Group, Inc.

Investar Holding Corp.

First United Corp.

CB Financial Services, Inc.

Citizens Community Bancorp, Inc. (Wisconsin)

BankFinancial Corp.

Why is Citizens Community Bancorp, Inc. (Wisconsin) ?

Weak Long Term Fundamental Strength with Tier 1 Capital Adeqacy Ratio of 11.72%

A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans

Reducing Promoter Confidence

Promoters have decreased their stake in the company by -1.56% over the previous quarter and currently hold 2.55% of the company
Promoters decreasing their stake may signify reduced confidence in the future of the business

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Citizens Community Bancorp, Inc. (Wisconsin) for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

Citizens Community Bancorp, Inc. (Wisconsin)

31.38%

2.82

24.95%

S&P 500

14.9%

0.77

19.29%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

6.31%

EBIT Growth (5y)

1.07%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

24.66%

Pledged Shares

Institutional Holding

69.81%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.95

EV to EBIT

6.12

EV to EBITDA

5.38

EV to Capital Employed

0.92

EV to Sales

1.08

PEG Ratio

1.39

Dividend Yield

61.32%

ROCE (Latest)

14.97%

ROE (Latest)

7.67%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Bullish

OBV

Mildly Bullish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

12What is working for the Company

ROCE(HY)

Highest at 0.82%

DIVIDEND PER SHARE(HY)

Highest at USD 0

PRE-TAX PROFIT(Q)

Highest at USD 4.88 MM

NET PROFIT(Q)

Highest at USD 4.27 MM

OPERATING PROFIT(Q)

Highest at USD 4.87 MM

OPERATING PROFIT MARGIN(Q)

Highest at 22.35 %

EPS(Q)

Highest at USD 0.44

-4What is not working for the Company

ROCE(HY)

Lowest at 0.82%

CREDIT DEPOSIT RATIO(HY)

Lowest at 87.94%

Here's what is working for Citizens Community Bancorp, Inc. (Wisconsin)

Pre-Tax Profit

Highest at USD 4.88 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 4.27 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Operating Profit

Highest at USD 4.87 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 22.35 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Net Profit

At USD 4.27 MM has Grown at 58.07%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.44

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Here's what is not working for Citizens Community Bancorp, Inc. (Wisconsin)

Credit Deposit Ratio

Lowest at 87.94% and Fallen

In each half year in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)