CZWI
Citizens Community Bancorp, Inc.
Dividend Growth | |
| Min. Div. Growth Past 7 Yrs. ≥ 15%: 2.3% | |
| Rolling 4-Yrs Div. Growth Past 7 Yrs ≥ 15%: 6.8% | |
| Years of Div. Growth ≥ 15: 10 | |
Income Generation | |
| Current Yield 2.3% ≥ 20-Yrs Treasury Yield 4.4% | |
| Total Dividends ≥ 20-Yrs Treasury Coupons in 5 Yrs | |
Sustainability | |
| Debt-To-Equity 0.38 ≤ 0.45 | |
| Last 12Months Cash Payout 0.00 ≤ 0.6 | |
Profitability | |
| 5-Yr Avg. Return-on-Equity 9.2% ≥ 15% | |
| Last 12Months Return-on-Equity 8.0% ≥ 15% | |
| Last 12Months Net Profit Margin 17.0% ≥ 10% | |
Fair Value | |
| Average 5-Yrs High Yield 3.0% | |
| Current Price $14.2 ≤ High Yield Price $10.7 | |
| Average 5-Yrs Price-to-Earning (P/E) 8.2 | |
| Current Price $14.2 ≤ Average P/E Price $10.6 | |
| Current Price $14.2 ≤ Fair Value $9.5 |
Company Description
Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal N.A. that provides various traditional community banking services to businesses, agricultural operators, and consumers. The company accepts various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit. It also offers various loan products comprising commercial real estate, commercial and industrial, agricultural real estate, agricultural operating, and consumer loans; and one-to-four family residential mortgages and home equity lines-of-credit. In addition, the company provides a portfolio of investments, such as mortgage-backed, corporate asset-backed, U.S. Government sponsored agency, corporate debt, and trust preferred securities. It operates through a network of 25 full-service branch in Wisconsin and Minnesota. Citizens Community Bancorp, Inc. was founded in 1938 and is based in Eau Claire, Wisconsin.
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