Citizens Community Bancorp Stock Buy Hold or Sell Recommendation
| CZWI Stock | USD 15.13 0.07 0.46% |
Given the investment horizon of 90 days and your above-average risk tolerance, our recommendation regarding Citizens Community Bancorp is 'Strong Hold'. The recommendation algorithm takes into account all of Citizens Community's available fundamental, technical, and predictive indicators you will find on this site.
Check out Citizens Community Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. In addition, we conduct extensive research on individual companies such as Citizens and provide practical buy, sell, or hold advice based on investors' investing horizon and their risk tolerance towards Citizens Community Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in housing.
Citizens |
Execute Citizens Community Buy or Sell Advice
The Citizens recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Citizens Community Bancorp. Macroaxis does not own or have any residual interests in Citizens Community Bancorp or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Citizens Community's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Strong Hold
Market Performance | Very Weak | Details | |
Volatility | Very steady | Details | |
Hype Condition | Stale | Details | |
Current Valuation | Fairly Valued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Slowly supersedes the market | Details | |
Investor Sentiment | Interested | Details | |
Analyst Consensus | Strong Buy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unavailable | Details |
Citizens Community Trading Alerts and Improvement Suggestions
| Citizens Community generated a negative expected return over the last 90 days | |
| About 57.0% of the company shares are held by institutions such as insurance companies | |
| On 21st of February 2025 Citizens Community paid $ 0.36 per share dividend to its current shareholders | |
| Latest headline from finance.yahoo.com: Cedar Creek Partners Anticipated Strategies from Citizens Bancshares Acquisition or Organic Growth |
Citizens Community Returns Distribution Density
The distribution of Citizens Community's historical returns is an attempt to chart the uncertainty of Citizens Community's future price movements. The chart of the probability distribution of Citizens Community daily returns describes the distribution of returns around its average expected value. We use Citizens Community Bancorp price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Citizens Community returns is essential to provide solid investment advice for Citizens Community.
| Mean Return | 0.04 | Value At Risk | -1.57 | Potential Upside | 2.53 | Standard Deviation | 1.22 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Citizens Community historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
Citizens Stock Institutional Investors
| Shares | Geode Capital Management, Llc | 2024-12-31 | 103 K | Susquehanna International Group, Llp | 2024-12-31 | 94.1 K | Pinnacle Holdings, Llc | 2024-09-30 | 91.5 K | Blackrock Inc | 2024-12-31 | 83.5 K | Empowered Funds, Llc | 2024-12-31 | 59.3 K | First Manhattan Co. Llc | 2024-09-30 | 57.6 K | Arrowstreet Capital Limited Partnership | 2024-09-30 | 43.7 K | Northern Trust Corp | 2024-12-31 | 39.1 K | State Street Corp | 2024-12-31 | 34.8 K | Alliancebernstein L.p. | 2024-12-31 | 982.1 K | Vanguard Group Inc | 2024-12-31 | 586.5 K |
Citizens Community Cash Flow Accounts
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
| Change In Cash | 63.6M | (71.7M) | (12.3M) | 1.8M | 1.6M | 1.7M | |
| Free Cash Flow | 21.2M | 17.8M | 25.7M | 11.8M | 13.5M | 7.8M | |
| Depreciation | 6.6M | 4.0M | 4.0M | 3.7M | 4.3M | 4.5M | |
| Other Non Cash Items | (1.4M) | (7.6M) | (263K) | (4.7M) | (4.3M) | (4.0M) | |
| Capital Expenditures | 2.6M | 3.8M | 3.6M | 1.4M | 1.6M | 1.7M | |
| Net Income | 12.7M | 21.3M | 17.8M | 13.1M | 15.0M | 15.8M | |
| End Period Cash Flow | 119.4M | 47.7M | 35.4M | 37.1M | 42.7M | 34.5M | |
| Dividends Paid | 2.4M | 2.5M | 2.7M | (3.0M) | (3.5M) | (3.3M) | |
| Investments | (64.6M) | (165.9M) | (117.1M) | (56.5M) | (50.9M) | (53.4M) | |
| Net Borrowings | (10.0M) | (26.3M) | (12.1M) | 28.6M | 25.7M | 27.0M | |
| Change To Netincome | 3.4M | 11.1M | 333K | 11.5M | 13.3M | 13.9M |
Citizens Community Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Citizens Community or Banks sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Citizens Community's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Citizens stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | 0.04 | |
β | Beta against Dow Jones | 0.63 | |
σ | Overall volatility | 1.04 | |
Ir | Information ratio | 0.03 |
Citizens Community Volatility Alert
Citizens Community Bancorp has relatively low volatility with skewness of 0.88 and kurtosis of 2.83. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Citizens Community's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact Citizens Community's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.Citizens Community Fundamentals Vs Peers
Comparing Citizens Community's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Citizens Community's direct or indirect competition across all of the common fundamentals between Citizens Community and the related equities. This way, we can detect undervalued stocks with similar characteristics as Citizens Community or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Citizens Community's fundamental indicators could also be used in its relative valuation, which is a method of valuing Citizens Community by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare Citizens Community to competition |
| Fundamentals | Citizens Community | Peer Average |
| Return On Equity | 0.078 | -0.31 |
| Return On Asset | 0.0076 | -0.14 |
| Profit Margin | 0.23 % | (1.27) % |
| Operating Margin | 0.29 % | (5.51) % |
| Current Valuation | 167.46 M | 16.62 B |
| Shares Outstanding | 9.98 M | 571.82 M |
| Shares Owned By Insiders | 4.98 % | 10.09 % |
| Shares Owned By Institutions | 57.00 % | 39.21 % |
| Number Of Shares Shorted | 22.44 K | 4.71 M |
| Price To Earning | 10.24 X | 28.72 X |
| Price To Book | 0.84 X | 9.51 X |
| Price To Sales | 2.54 X | 11.42 X |
| Revenue | 58.54 M | 9.43 B |
| Gross Profit | 59.57 M | 27.38 B |
| EBITDA | 22.06 M | 3.9 B |
| Net Income | 13.06 M | 570.98 M |
| Cash And Equivalents | 29.78 M | 2.7 B |
| Cash Per Share | 2.84 X | 5.01 X |
| Total Debt | 147 M | 5.32 B |
| Debt To Equity | 9.78 % | 48.70 % |
| Book Value Per Share | 17.94 X | 1.93 K |
| Cash Flow From Operations | 13.12 M | 971.22 M |
| Short Ratio | 1.00 X | 4.00 X |
| Earnings Per Share | 1.35 X | 3.12 X |
| Target Price | 18.5 | |
| Beta | 1.08 | -0.15 |
| Market Capitalization | 151.03 M | 19.03 B |
| Total Asset | 1.85 B | 29.47 B |
| Retained Earnings | 71.12 M | 9.33 B |
| Annual Yield | 0.02 % | |
| Five Year Return | 1.86 % | |
| Net Asset | 1.85 B | |
| Last Dividend Paid | 0.32 |
Note: Disposition of 1843 shares by Stephen Bianchi of Citizens Community at 16.09 subject to Rule 16b-3 [view details]
Citizens Community Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Citizens . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
About Citizens Community Buy or Sell Advice
When is the right time to buy or sell Citizens Community Bancorp? Buying financial instruments such as Citizens Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
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In addition to having Citizens Community in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
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Check out Citizens Community Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. You can also try the Portfolio Dashboard module to portfolio dashboard that provides centralized access to all your investments.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Citizens Community. If investors know Citizens will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Citizens Community listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.24) | Dividend Share 0.32 | Earnings Share 1.35 | Revenue Per Share | Quarterly Revenue Growth (0.05) |
The market value of Citizens Community is measured differently than its book value, which is the value of Citizens that is recorded on the company's balance sheet. Investors also form their own opinion of Citizens Community's value that differs from its market value or its book value, called intrinsic value, which is Citizens Community's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Citizens Community's market value can be influenced by many factors that don't directly affect Citizens Community's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Citizens Community's value and its price as these two are different measures arrived at by different means. Investors typically determine if Citizens Community is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Citizens Community's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.