Is Citizens Community Stock a Good Investment?
Citizens Community Investment Advice | CZWI |
- Examine Citizens Community's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Citizens Community's leadership team and their track record. Good management can help Citizens Community navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact Citizens Community's business and its evolving consumer preferences.
- Compare Citizens Community's performance and market position to its competitors. Analyze how Citizens Community is positioned in terms of product offerings, innovation, and market share.
- Check if Citizens Community pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Citizens Community's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Citizens Community Bancorp stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Citizens Community Bancorp is a good investment.
Sell | Buy |
Hold
Market Performance | Very Weak | Details | |
Volatility | Very steady | Details | |
Hype Condition | Stale | Details | |
Current Valuation | Undervalued | Details | |
Odds Of Distress | Very Low | Details | |
Economic Sensitivity | Almost mirrors the market | Details | |
Investor Sentiment | Interested | Details | |
Analyst Consensus | Strong Buy | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Possible Manipulator | Details |
Examine Citizens Community Stock
Researching Citizens Community's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 57.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 0.81. Some equities with similar Price to Book (P/B) outperform the market in the long run. Citizens Community last dividend was issued on the 7th of February 2025. The entity had 1:1 split on the 1st of November 2006.
To determine if Citizens Community is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Citizens Community's research are outlined below:
| 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: Pappas Urges Citizens to Vote on April 1 as Study Reveals Racial and Income Disparities in Referendum Turnout |
Citizens Community uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Citizens Community Bancorp. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Citizens Community's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 29th of January 2024 Upcoming Quarterly Report | View | |
| 23rd of April 2024 Next Financial Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View | |
| 29th of January 2024 Next Fiscal Year End | View | |
| 30th of September 2023 Last Quarter Report | View | |
| 31st of December 2022 Last Financial Announcement | View |
Earnings surprises can significantly impact Citizens Community's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Citizens Community's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2020-04-28 | 2020-03-31 | 0.2 | 0.23 | 0.03 | 15 | ||
2023-07-24 | 2023-06-30 | 0.27 | 0.31 | 0.04 | 14 | ||
2018-04-27 | 2018-03-31 | 0.26 | 0.22 | -0.04 | 15 | ||
2024-10-28 | 2024-09-30 | 0.27 | 0.32 | 0.05 | 18 | ||
2021-01-28 | 2020-12-31 | 0.28 | 0.33 | 0.05 | 17 | ||
2019-07-29 | 2019-06-30 | 0.28 | 0.23 | -0.05 | 17 | ||
2021-10-25 | 2021-09-30 | 0.41 | 0.47 | 0.06 | 14 | ||
2020-10-27 | 2020-09-30 | 0.24 | 0.3 | 0.06 | 25 |
Know Citizens Community's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Citizens Community is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Citizens Community Bancorp backward and forwards among themselves. Citizens Community's institutional investor refers to the entity that pools money to purchase Citizens Community's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Geode Capital Management, Llc | 2024-12-31 | 103 K | Susquehanna International Group, Llp | 2024-12-31 | 94.1 K | Pinnacle Holdings, Llc | 2024-12-31 | 91.3 K | Rfg - Bristol Wealth Advisors, Llc | 2024-12-31 | 89 K | Blackrock Inc | 2024-12-31 | 83.5 K | Arrowstreet Capital Limited Partnership | 2024-12-31 | 65.7 K | Empowered Funds, Llc | 2024-12-31 | 59.3 K | First Manhattan Co. Llc | 2024-12-31 | 57.6 K | Northern Trust Corp | 2024-12-31 | 39.1 K | Alliancebernstein L.p. | 2024-12-31 | 982.1 K | Vanguard Group Inc | 2024-12-31 | 586.5 K |
Citizens Community's market capitalization trends
The company currently falls under 'Small-Cap' category with a current market capitalization of 145.05 M.Market Cap |
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Citizens Community's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Capital Employed | (0.02) | (0.02) | |
| Return On Equity | 0.02 | 0.03 |
Determining Citizens Community's profitability involves analyzing its financial statements and using various financial metrics to determine if Citizens Community is a good buy. For example, gross profit margin measures Citizens Community's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Citizens Community's profitability and make more informed investment decisions.
Evaluate Citizens Community's management efficiency
As of now, Citizens Community's Return On Tangible Assets are increasing as compared to previous years. The Citizens Community's current Return On Assets is estimated to increase to 0, while Return On Capital Employed is forecasted to increase to (0.02). As of now, Citizens Community's Return On Tangible Assets are increasing as compared to previous years. The Citizens Community's current Return On Assets is estimated to increase to 0, while Non Current Assets Total are projected to decrease to under 47.1 M. Citizens Community's management efficiency ratios could be used to measure how well Citizens Community manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 17.56 | 20.66 | |
| Tangible Book Value Per Share | 14.38 | 19.30 | |
| Enterprise Value Over EBITDA | 12.12 | 11.51 | |
| Price Book Value Ratio | 0.93 | 1.03 | |
| Enterprise Value Multiple | 12.12 | 11.51 | |
| Price Fair Value | 0.93 | 1.03 | |
| Enterprise Value | 162.2 M | 89.1 M |
Effective management at Citizens Community has been a driving force behind its market achievements. We assess the correlation between management practices and financial success to determine the stock's value.
Basic technical analysis of Citizens Stock
As of the 27th of March, Citizens Community shows the Risk Adjusted Performance of (0.08), standard deviation of 1.36, and Mean Deviation of 0.8692. Citizens Community technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices.Citizens Community's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Citizens Community insiders, such as employees or executives, is commonly permitted as long as it does not rely on Citizens Community's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Citizens Community insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Stephen Bianchi over two months ago Disposition of 1843 shares by Stephen Bianchi of Citizens Community at 16.09 subject to Rule 16b-3 | ||
Stephen Bianchi over six months ago Acquisition by Stephen Bianchi of 323 shares of Citizens Community at 13.42 subject to Rule 16b-3 | ||
Mchugh Richard over six months ago Acquisition by Mchugh Richard of tradable shares of Citizens Community at 12.9 subject to Rule 16b-3 | ||
James Broucek over six months ago Acquisition by James Broucek of tradable shares of Citizens Community at 11.64 subject to Rule 16b-3 | ||
Olson Timothy L over six months ago Acquisition by Olson Timothy L of 2000 shares of Citizens Community at 10.935 subject to Rule 16b-3 | ||
David Westrate over a year ago Purchase by David Westrate of 1038 shares of Citizens Community |
Citizens Community's Outstanding Corporate Bonds
Citizens Community issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Citizens Community uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Citizens bonds can be classified according to their maturity, which is the date when Citizens Community Bancorp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| Dana 575 percent Corp BondUS235822AB96 | View | |
| Morgan Stanley 3971 Corp BondUS61744YAL20 | View | |
| Valero Energy Partners Corp BondUS91914JAA07 | View | |
| AerCap Global Aviation Corp BondUS00773HAA59 | View |
Understand Citizens Community's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Citizens Community's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | (0.08) | |||
| Market Risk Adjusted Performance | (0.14) | |||
| Mean Deviation | 0.8692 | |||
| Coefficient Of Variation | (979.05) | |||
| Standard Deviation | 1.36 | |||
| Variance | 1.85 | |||
| Information Ratio | (0.11) | |||
| Jensen Alpha | (0.15) | |||
| Total Risk Alpha | (0.14) | |||
| Treynor Ratio | (0.15) | |||
| Maximum Drawdown | 7.66 | |||
| Value At Risk | (1.77) | |||
| Potential Upside | 1.16 | |||
| Skewness | 1.18 | |||
| Kurtosis | 7.79 |
| Risk Adjusted Performance | (0.08) | |||
| Market Risk Adjusted Performance | (0.14) | |||
| Mean Deviation | 0.8692 | |||
| Coefficient Of Variation | (979.05) | |||
| Standard Deviation | 1.36 | |||
| Variance | 1.85 | |||
| Information Ratio | (0.11) | |||
| Jensen Alpha | (0.15) | |||
| Total Risk Alpha | (0.14) | |||
| Treynor Ratio | (0.15) | |||
| Maximum Drawdown | 7.66 | |||
| Value At Risk | (1.77) | |||
| Potential Upside | 1.16 | |||
| Skewness | 1.18 | |||
| Kurtosis | 7.79 |
Consider Citizens Community's intraday indicators
Citizens Community intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Citizens Community stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Citizens Community Corporate Filings
10K | 13th of March 2025 Annual report required by the U.S. Securities and Exchange Commission (SEC) of a company financial performance | ViewVerify |
| 14th of February 2025 Other Reports | ViewVerify | |
F5 | 13th of February 2025 The annual filing required by the Securities and Exchange Commission (SEC) from company insiders or beneficial owners | ViewVerify |
F4 | 29th of January 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
Citizens Stock media impact
Far too much social signal, news, headlines, and media speculation about Citizens Community that are available to investors today. That information is available publicly through Citizens media outlets and privately through word of mouth or via Citizens internal channels. However, regardless of the origin, that massive amount of Citizens data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Citizens Community news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Citizens Community relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Citizens Community's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Citizens Community alpha.
Citizens Community Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Citizens Community can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Citizens Community Corporate Executives
Elected by the shareholders, the Citizens Community's board of directors comprises two types of representatives: Citizens Community inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Citizens. The board's role is to monitor Citizens Community's management team and ensure that shareholders' interests are well served. Citizens Community's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Citizens Community's outside directors are responsible for providing unbiased perspectives on the board's policies.
| James Broucek | CFO of Corporation abd Bank | Profile |
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in 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. You can also try the Equity Search module to search for actively traded equities including funds and ETFs from over 30 global markets.
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 1.34 | 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.
In summary, please note that there is a difference between Citizens Community's value and its price, as these two are different measures arrived at by various 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.