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Upturn AI SWOT - About
CZWI 
Citizens Community Bancorp Inc (CZWI)
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Upturn Advisory Summary
04/01/2025: CZWI (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 16.42% | Avg. Invested days 55 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 146.05M USD | Price to earnings Ratio 10.91 | 1Y Target Price 18.5 |
Price to earnings Ratio 10.91 | 1Y Target Price 18.5 | ||
Volume (30-day avg) 24219 | Beta 1.13 | 52 Weeks Range 9.91 - 16.65 | Updated Date 04/2/2025 |
52 Weeks Range 9.91 - 16.65 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 2.46% | Basic EPS (TTM) 1.34 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 23.08% | Operating Margin (TTM) 28.82% |
Management Effectiveness
Return on Assets (TTM) 0.76% | Return on Equity (TTM) 7.8% |
Valuation
Trailing PE 10.91 | Forward PE 10.72 | Enterprise Value 163557024 | Price to Sales(TTM) 2.45 |
Enterprise Value 163557024 | Price to Sales(TTM) 2.45 | ||
Enterprise Value to Revenue 3.76 | Enterprise Value to EBITDA - | Shares Outstanding 9989540 | Shares Floating 7931292 |
Shares Outstanding 9989540 | Shares Floating 7931292 | ||
Percent Insiders 4.98 | Percent Institutions 56.85 |
Analyst Ratings
Rating 5 | Target Price 17 | Buy - | Strong Buy 2 |
Buy - | Strong Buy 2 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Citizens Community Bancorp Inc
Company Overview
History and Background
Citizens Community Bancorp, Inc. was founded in 1940. It operates as the holding company for Citizens Community Federal N.A., providing banking services to communities in Wisconsin, Minnesota, and Michigan. Over the years, it has expanded through organic growth and strategic acquisitions.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending products, including term loans, lines of credit, and commercial real estate financing.
- Retail Banking: Provides deposit accounts, consumer loans, mortgages, and other retail banking services.
- Wealth Management: Offers wealth management and trust services to individuals and families.
Leadership and Structure
The company is led by CEO Stephen M. Renier. The organizational structure includes various departments such as lending, retail banking, finance, and operations, all overseen by a board of directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a core product, providing financing for businesses. The market is highly competitive with many regional and national banks. Market share data for this specific product for Citizens Community Bancorp is not readily available at this granular level, but it competes with larger regional banks like Associated Banc-Corp and US Bancorp.
- Mortgage Lending: Offers mortgage loans for residential properties. Similar to commercial loans, the mortgage market is highly competitive. Citizens Community Bancorp competes with national lenders like Wells Fargo and Bank of America. Market share data at the product level for the firm is not easily sourced.
- Deposit Accounts: Provides checking and savings accounts to individuals and businesses. A standard offering of any bank. Competitors include Chase, US Bank and Wells Fargo. Market share data at the product level for the firm is not easily sourced.
Market Dynamics
Industry Overview
The banking industry is currently facing a mixed environment with rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Economic uncertainty also plays a significant role.
Positioning
Citizens Community Bancorp operates as a community bank, focusing on building relationships with local businesses and individuals. This allows for personalized service but also limits its scale compared to larger national banks.
Total Addressable Market (TAM)
The total addressable market for banking services in the regions Citizens Community Bancorp serves is estimated to be in the billions of dollars annually. Citizens Community Bancorp is positioned to capture a portion of this market through its community-focused approach.
Upturn SWOT Analysis
Strengths
- Strong local presence and customer relationships
- Experienced management team
- Solid asset quality
- Diversified revenue streams
Weaknesses
- Limited geographic reach compared to larger banks
- Higher operating costs due to smaller scale
- Reliance on traditional banking model
Opportunities
- Expansion into new markets within the region
- Adoption of new technologies to improve efficiency
- Increased demand for commercial lending
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- ASB
- USB
- BOH
Competitive Landscape
Citizens Community Bancorp's advantages include its community focus and personalized service. Disadvantages include its smaller size and limited geographic reach compared to larger competitors.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth can be determined by analyzing revenue, net income, and asset growth over the past 5-10 years. The percentage growth rate should be calculated.
Future Projections: Analysts provide estimates for future revenue and earnings growth. These estimates are often based on industry trends, management guidance, and economic forecasts.
Recent Initiatives: Recent initiatives may include new branch openings, technology investments, or acquisitions.
Summary
Citizens Community Bancorp is a community bank with a solid foundation and local customer relationships. Its smaller size and limited geographic reach are challenges, but expansion opportunities and technology adoption could drive growth. It needs to carefully manage interest rate risks and competition.
Similar Companies
ASB
Associated Banc-Corp
ASB
Associated Banc-Corp
FFBC
First Financial Bancorp
FFBC
First Financial Bancorp
WSBC
WesBanco Inc
WSBC
WesBanco Inc
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- Industry Research
Disclaimers:
This analysis is based on available information and is not financial advice. Market data is subject to change. This is an AI generated report, and accuracy should be independently verified.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Citizens Community Bancorp Inc
Exchange NASDAQ | Headquaters Eau Claire, WI, United States | ||
IPO Launch date 2004-03-30 | Chairman of the Board, President & CEO Mr. Stephen M. Bianchi | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 207 | Website https://ccf.us |
Full time employees 207 | Website https://ccf.us | ||
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. It accepts various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit. The company also offers various loan products, such as 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, it maintains a portfolio of investments comprising mortgage-backed, corporate asset-backed, U.S. Government sponsored agency, and corporate debt securities. The company operates in Wisconsin, Minnesota and Other locations. Citizens Community Bancorp, Inc. was founded in 1938 and is based in Eau Claire, Wisconsin.
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