Citizens Community Bancorp Inc
NASDAQ:CZWI
Intrinsic Value
Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal Bank. [ Read More ]
The intrinsic value of one
CZWI
stock under the Base Case scenario is
15.42
USD.
Compared to the current market price of 10.91 USD,
Citizens Community Bancorp Inc
is
Undervalued by 29%.
CZWI could be a value trap.A value trap occurs when a stock looks inexpensive based on fundamental analysis but fails to reach its intrinsic valuation over time, often due to underlying issues not reflected in quantitative data.
Scrutinize beyond numbers; assess long-term potential.
CZWI stock price (10.91 USD) is 29% less than its Intrinsic Value (15.42 USD).
CZWI stock price (10.91 USD) is 1% less than its Relative Value (11.06 USD). Open Relative Valuation
CZWI has upside potential of 19% compared to the average analyst price target.
Open Wall St Estimates
CZWI's ROE (Return on Equity) for the past 12 months is positive and is equal to 8%.
CZWI's ROE (Return on Equity) has decreased in the last 3 years from 10% to 8%.
CZWI's Revenue has been falling by 5% per year for the last 3 years.
CZWI's Revenue has dropped by 11% over the past 12 months.
CZWI has positive three-year average ROE (Return on Equity): 10%. The company is efficient at transforming stockholders' equity into net income.
CZWI has positive Net Income for the last twelve months.
CZWI's D/E (Debt to Equity) is very low and is equal to 0.39.
Valuation Backtest
Citizens Community Bancorp Inc
Run backtest to discover the historical profit from buying and selling
CZWI
stocks based on their intrinsic value.
Analyze the historical link between intrinsic value and market price to make more informed investment decisions.
Fundamental Analysis
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Citizens Community Bancorp Inc
Balance Sheet Decomposition
Citizens Community Bancorp Inc
| Net Loans | 1.4B |
| Investments | 292.3m |
| PP&E | 19.3m |
| Intangibles | 36.8m |
| Other Assets | 43.1m |
| Total Deposits | 1.5B |
| Long Term Debt | 67.5m |
| Other Liabilities | 51.5m |
Wall St
Price Targets
CZWI Price Targets Summary
Citizens Community Bancorp Inc
According to Wall Street analysts, the average 1-year price target for
CZWI
is 13.01 USD
with a low forecast of 12.63 USD and a high forecast of 13.65 USD.
Ownership
CZWI Insider Trading
Buy and sell transactions by insiders
| Period | Sold | Bought | Net |
|---|---|---|---|
| 3 Months |
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|
|
| 6 Months |
|
|
|
| 9 Months |
|
|
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| 12 Months |
|
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|
Shareholder Return
CZWI Price
Citizens Community Bancorp Inc
| Average Annual Return | 4.59% |
| Standard Deviation of Annual Returns | 18.96% |
| Max Drawdown | -55% |
| Market Capitalization | 113.5m USD |
| Shares Outstanding | 10 406 300 |
| Percentage of Shares Shorted | 1.07% |
Company Profile
Citizens Community Bancorp Inc
Country
Industry
Market Cap
Dividend Yield
Description
Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal Bank. The company is headquartered in Eau Claire, Wisconsin and currently employs 225 full-time employees. The company went IPO on 2004-03-30. (the Bank). The Bank offers traditional community banking services to businesses, agricultural operators, and consumers, including one-to-four family residential mortgages. The company offers a range deposit product through its branches, including demand deposits, various savings and money-market accounts and certificates of deposit. The company provides variety of loan products including commercial real estate loans, commercial and industrial loans, agricultural real estate loans, agricultural operating loans, residential mortgages, home equity lines-of-credit and consumer loans. The company maintains a portfolio of investments, including mortgage-backed securities, corporate asset-backed securities, United Stated Government sponsored agency securities, corporate debt securities and trust preferred securities. Its primary sources of funds are deposits and amortization, prepayments, and maturities of outstanding loans.
Contact
IPO
Employees
Officers
The intrinsic value of one
CZWI
stock under the Base Case scenario is
15.42
USD.
Compared to the current market price of 10.91 USD,
Citizens Community Bancorp Inc
is
Undervalued by 29%.
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