CZWI vs. FSFG, BVFL, FNWD, SFBC, FCAP, FGBI, WNEB, HMNF, PROV, and RVSB
Should you be buying Citizens Community Bancorp stock or one of its competitors? The main competitors of Citizens Community Bancorp include First Savings Financial Group (FSFG), BV Financial (BVFL), Finward Bancorp (FNWD), Sound Financial Bancorp (SFBC), First Capital (FCAP), First Guaranty Bancshares (FGBI), Western New England Bancorp (WNEB), HMN Financial (HMNF), Provident Financial (PROV), and Riverview Bancorp (RVSB). These companies are all part of the "federal savings institutions" industry.
First Savings Financial Group (NASDAQ:FSFG) and Citizens Community Bancorp (NASDAQ:CZWI) are both small-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their institutional ownership, analyst recommendations, valuation, profitability, risk, dividends, media sentiment, community ranking and earnings.
Citizens Community Bancorp has lower revenue, but higher earnings than First Savings Financial Group. Citizens Community Bancorp is trading at a lower price-to-earnings ratio than First Savings Financial Group, indicating that it is currently the more affordable of the two stocks.
First Savings Financial Group has a beta of 0.71, indicating that its stock price is 29% less volatile than the S&P 500. Comparatively, Citizens Community Bancorp has a beta of 1.03, indicating that its stock price is 3% more volatile than the S&P 500.
Citizens Community Bancorp has a net margin of 13.69% compared to Citizens Community Bancorp's net margin of 5.59%. First Savings Financial Group's return on equity of 8.14% beat Citizens Community Bancorp's return on equity.
First Savings Financial Group presently has a consensus price target of $21.00, suggesting a potential upside of 29.15%. Given Citizens Community Bancorp's higher probable upside, equities analysts plainly believe First Savings Financial Group is more favorable than Citizens Community Bancorp.
In the previous week, Citizens Community Bancorp had 1 more articles in the media than First Savings Financial Group. MarketBeat recorded 2 mentions for Citizens Community Bancorp and 1 mentions for First Savings Financial Group. First Savings Financial Group's average media sentiment score of 0.25 beat Citizens Community Bancorp's score of 0.00 indicating that Citizens Community Bancorp is being referred to more favorably in the news media.
35.2% of First Savings Financial Group shares are owned by institutional investors. Comparatively, 55.1% of Citizens Community Bancorp shares are owned by institutional investors. 15.9% of First Savings Financial Group shares are owned by insiders. Comparatively, 5.5% of Citizens Community Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
First Savings Financial Group pays an annual dividend of $0.60 per share and has a dividend yield of 3.7%. Citizens Community Bancorp pays an annual dividend of $0.32 per share and has a dividend yield of 2.8%. First Savings Financial Group pays out 55.6% of its earnings in the form of a dividend. Citizens Community Bancorp pays out 24.8% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. First Savings Financial Group has raised its dividend for 11 consecutive years and Citizens Community Bancorp has raised its dividend for 5 consecutive years. First Savings Financial Group is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
First Savings Financial Group received 37 more outperform votes than Citizens Community Bancorp when rated by MarketBeat users. However, 68.00% of users gave Citizens Community Bancorp an outperform vote while only 52.09% of users gave First Savings Financial Group an outperform vote.
Summary
Citizens Community Bancorp beats First Savings Financial Group on 12 of the 19 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding CZWI and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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