Citizens Community Bancorp (CZWI) Competitors

Citizens Community Bancorp (NASDAQ:CZWI) and South Plains Financial (NASDAQ:SPFI) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their media sentiment, dividends, analyst recommendations, earnings, profitability, valuation, institutional ownership and risk.

Do institutionals and insiders hold more shares of CZWI or SPFI?

55.1% of Citizens Community Bancorp shares are held by institutional investors. Comparatively, 55.0% of South Plains Financial shares are held by institutional investors. 3.9% of Citizens Community Bancorp shares are held by insiders. Comparatively, 24.6% of South Plains Financial shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Is CZWI or SPFI more profitable?

South Plains Financial has a net margin of 18.59% compared to Citizens Community Bancorp's net margin of 12.65%. South Plains Financial's return on equity of 12.27% beat Citizens Community Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Citizens Community Bancorp	12.65%	6.89%	0.71%
South Plains Financial	18.59%	12.27%	1.26%

Does the media favor CZWI or SPFI?

In the previous week, South Plains Financial had 3 more articles in the media than Citizens Community Bancorp. MarketBeat recorded 6 mentions for South Plains Financial and 3 mentions for Citizens Community Bancorp. Citizens Community Bancorp's average media sentiment score of 0.83 beat South Plains Financial's score of 0.41 indicating that Citizens Community Bancorp is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Citizens Community Bancorp	0 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
South Plains Financial	0 Very Positive mention(s)	1 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Which has stronger valuation & earnings, CZWI or SPFI?

South Plains Financial has higher revenue and earnings than Citizens Community Bancorp. South Plains Financial is trading at a lower price-to-earnings ratio than Citizens Community Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Citizens Community Bancorp	$99.72M	1.56	$13.75M	$1.24	12.69
South Plains Financial	$197.62M	3.10	$49.72M	$3.20	11.80

Is CZWI or SPFI a better dividend stock?

Citizens Community Bancorp pays an annual dividend of $0.36 per share and has a dividend yield of 2.3%. South Plains Financial pays an annual dividend of $0.64 per share and has a dividend yield of 1.7%. Citizens Community Bancorp pays out 29.0% of its earnings in the form of a dividend. South Plains Financial pays out 20.0% 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. Citizens Community Bancorp has raised its dividend for 6 consecutive years and South Plains Financial has raised its dividend for 5 consecutive years. Citizens Community Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Which has more volatility & risk, CZWI or SPFI?

Citizens Community Bancorp has a beta of 0.75, meaning that its stock price is 25% less volatile than the S&P 500. Comparatively, South Plains Financial has a beta of 0.65, meaning that its stock price is 35% less volatile than the S&P 500.

Do analysts prefer CZWI or SPFI?

South Plains Financial has a consensus price target of $44.67, indicating a potential upside of 18.29%. Given South Plains Financial's stronger consensus rating and higher probable upside, analysts plainly believe South Plains Financial is more favorable than Citizens Community Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Citizens Community Bancorp	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
South Plains Financial	0 Sell rating(s)	1 Hold rating(s)	4 Buy rating(s)	0 Strong Buy rating(s)	2.80

Summary

South Plains Financial beats Citizens Community Bancorp on 13 of the 19 factors compared between the two stocks.