Citizens Community Bancorp, Inc. (Wisconsin)

Market Cap: Micro Cap
Industry: Regional Banks
ISIN: US1749031043

USD

17.85

0.52 (3.0%)

Dec 04

NAS

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Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

ECB Bancorp, Inc.

First National Corp. (Virginia)

Meridian Corp. (Pennsylvania)

First United Corp.

FinWise Bancorp

Investar Holding Corp.

First Savings Financial Group, Inc.

Summit State Bank (California)

Citizens Community Bancorp, Inc. (Wisconsin)

CB Financial Services, Inc.

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

Flat results in Jun 25

CREDIT DEPOSIT RATIO(HY) Lowest at 91.02%

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)

6.25%

2.17

24.74%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

6.21%

EBIT Growth (5y)

2.28%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

23.88%

Pledged Shares

Institutional Holding

59.02%

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

0.79

EV to EBIT

6.25

EV to EBITDA

5.15

EV to Capital Employed

0.69

EV to Sales

0.95

PEG Ratio

Dividend Yield

265.73%

ROCE (Latest)

10.98%

ROE (Latest)

7.14%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Bullish

OBV

Mildly 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

2What is working for the Company

NII(Q)

Highest at USD 13.31 MM

-2What is not working for the Company

CREDIT DEPOSIT RATIO(HY)

Lowest at 91.02%

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

NII

Highest at USD 13.31 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

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

Credit Deposit Ratio

Lowest at 91.02% 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 (%)