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

ECB Bancorp, Inc.

Investar Holding Corp.

First National Corp. (Virginia)

CB Financial Services, Inc.

First United Corp.

FinWise Bancorp

First Savings Financial Group, Inc.

Summit State Bank (California)

Citizens Community Bancorp, Inc. (Wisconsin)

Meridian Corp. (Pennsylvania)

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

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?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Citizens Community Bancorp, Inc. (Wisconsin)

61.12%

3.74

24.24%

S&P 500

25.41%

1.92

13.25%

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)

0.43%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

24.73%

Pledged Shares

Institutional Holding

68.56%

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

0.99

EV to EBIT

6.34

EV to EBITDA

5.39

EV to Capital Employed

0.98

EV to Sales

1.07

PEG Ratio

1.44

Dividend Yield

59.20%

ROCE (Latest)

15.41%

ROE (Latest)

7.67%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Bullish

OBV

Bullish

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

6What is working for the Company

ROCE(HY)

Highest at 0.83%

DIVIDEND PAYOUT RATIO(Y)

Highest at 26.94%

DIVIDEND PER SHARE(HY)

Highest at USD 0

OPERATING PROFIT MARGIN(Q)

Highest at 21.8 %

-5What is not working for the Company

ROCE(HY)

Lowest at 0.83%

GROSS NPA (%)

CREDIT DEPOSIT RATIO(HY)

Lowest at 86.75%

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

Operating Profit Margin

Highest at 21.8 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Dividend Payout Ratio

Highest at 26.94%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

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

Non Performing Loans (%)

Highest at 1.28%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Credit Deposit Ratio

Lowest at 86.75%

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 (%)