CZWI Quote, Financials, Valuation and Earnings

Flushing Financial has a net margin of 22.54% compared to Citizens Community Bancorp's net margin of -16.87%. Citizens Community Bancorp's return on equity of 7.24% beat Flushing Financial's return on equity of -6.53%.

Citizens Community Bancorp has a consensus price target of $17.75, signalling upside risk potential of 19.05%. On the other hand Flushing Financial has an analysts' consensus of $13.75 which suggests that it could grow by 12.34%. Given that Citizens Community Bancorp has higher upside potential than Flushing Financial, analysts believe Citizens Community Bancorp is more attractive than Flushing Financial.

Citizens Community Bancorp has a beta of 0.711, which suggesting that the stock is 28.877% less volatile than S&P 500. In comparison Flushing Financial has a beta of 0.818, suggesting its less volatile than the S&P 500 by 18.245%.

Citizens Community Bancorp has a quarterly dividend of $0.36 per share corresponding to a yield of 2.39%. Flushing Financial offers a yield of 7.19% to investors and pays a quarterly dividend of $0.22 per share. Citizens Community Bancorp pays 24.33% of its earnings as a dividend. Flushing Financial pays out -83.12% of its earnings as a dividend. Citizens Community Bancorp's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

Citizens Community Bancorp quarterly revenues are $14.2M, which are smaller than Flushing Financial quarterly revenues of $58.1M. Citizens Community Bancorp's net income of $3.2M is higher than Flushing Financial's net income of -$9.8M. Notably, Citizens Community Bancorp's price-to-earnings ratio is 11.94x while Flushing Financial's PE ratio is 15.64x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Citizens Community Bancorp is 2.76x versus 2.76x for Flushing Financial. Usually stocks with elevated PS ratios are considered overvalued.

OptimumBank Holdings has a net margin of 22.54% compared to Citizens Community Bancorp's net margin of 36.31%. Citizens Community Bancorp's return on equity of 7.24% beat OptimumBank Holdings's return on equity of 15.42%.

Citizens Community Bancorp has a consensus price target of $17.75, signalling upside risk potential of 19.05%. On the other hand OptimumBank Holdings has an analysts' consensus of $5.00 which suggests that it could grow by 10.87%. Given that Citizens Community Bancorp has higher upside potential than OptimumBank Holdings, analysts believe Citizens Community Bancorp is more attractive than OptimumBank Holdings.

Citizens Community Bancorp has a beta of 0.711, which suggesting that the stock is 28.877% less volatile than S&P 500. In comparison OptimumBank Holdings has a beta of 0.473, suggesting its less volatile than the S&P 500 by 52.678%.

Citizens Community Bancorp has a quarterly dividend of $0.36 per share corresponding to a yield of 2.39%. OptimumBank Holdings offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Citizens Community Bancorp pays 24.33% of its earnings as a dividend. OptimumBank Holdings pays out -- of its earnings as a dividend. Citizens Community Bancorp's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

Citizens Community Bancorp quarterly revenues are $14.2M, which are larger than OptimumBank Holdings quarterly revenues of $10.7M. Citizens Community Bancorp's net income of $3.2M is lower than OptimumBank Holdings's net income of $3.9M. Notably, Citizens Community Bancorp's price-to-earnings ratio is 11.94x while OptimumBank Holdings's PE ratio is 3.39x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Citizens Community Bancorp is 2.76x versus 1.21x for OptimumBank Holdings. Usually stocks with elevated PS ratios are considered overvalued.

Park National has a net margin of 22.54% compared to Citizens Community Bancorp's net margin of 32.4%. Citizens Community Bancorp's return on equity of 7.24% beat Park National's return on equity of 12.97%.

Citizens Community Bancorp has a consensus price target of $17.75, signalling upside risk potential of 19.05%. On the other hand Park National has an analysts' consensus of $172.67 which suggests that it could grow by 0.23%. Given that Citizens Community Bancorp has higher upside potential than Park National, analysts believe Citizens Community Bancorp is more attractive than Park National.

Citizens Community Bancorp has a beta of 0.711, which suggesting that the stock is 28.877% less volatile than S&P 500. In comparison Park National has a beta of 0.821, suggesting its less volatile than the S&P 500 by 17.866%.

Citizens Community Bancorp has a quarterly dividend of $0.36 per share corresponding to a yield of 2.39%. Park National offers a yield of 2.47% to investors and pays a quarterly dividend of $1.07 per share. Citizens Community Bancorp pays 24.33% of its earnings as a dividend. Park National pays out 51.18% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

Citizens Community Bancorp quarterly revenues are $14.2M, which are smaller than Park National quarterly revenues of $130.1M. Citizens Community Bancorp's net income of $3.2M is lower than Park National's net income of $42.2M. Notably, Citizens Community Bancorp's price-to-earnings ratio is 11.94x while Park National's PE ratio is 17.69x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Citizens Community Bancorp is 2.76x versus 5.29x for Park National. Usually stocks with elevated PS ratios are considered overvalued.

Tompkins Financial has a net margin of 22.54% compared to Citizens Community Bancorp's net margin of 24.09%. Citizens Community Bancorp's return on equity of 7.24% beat Tompkins Financial's return on equity of 10.46%.

Citizens Community Bancorp has a consensus price target of $17.75, signalling upside risk potential of 19.05%. On the other hand Tompkins Financial has an analysts' consensus of $72.50 which suggests that it could grow by 10.4%. Given that Citizens Community Bancorp has higher upside potential than Tompkins Financial, analysts believe Citizens Community Bancorp is more attractive than Tompkins Financial.

Citizens Community Bancorp has a beta of 0.711, which suggesting that the stock is 28.877% less volatile than S&P 500. In comparison Tompkins Financial has a beta of 0.902, suggesting its less volatile than the S&P 500 by 9.793%.

Citizens Community Bancorp has a quarterly dividend of $0.36 per share corresponding to a yield of 2.39%. Tompkins Financial offers a yield of 3.76% to investors and pays a quarterly dividend of $0.62 per share. Citizens Community Bancorp pays 24.33% of its earnings as a dividend. Tompkins Financial pays out 49.47% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

Citizens Community Bancorp quarterly revenues are $14.2M, which are smaller than Tompkins Financial quarterly revenues of $81.7M. Citizens Community Bancorp's net income of $3.2M is lower than Tompkins Financial's net income of $19.7M. Notably, Citizens Community Bancorp's price-to-earnings ratio is 11.94x while Tompkins Financial's PE ratio is 12.78x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Citizens Community Bancorp is 2.76x versus 3.08x for Tompkins Financial. Usually stocks with elevated PS ratios are considered overvalued.