Citizens Community Bancorp, Inc. (CZWI)

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Citizens Community Bancorp, Inc. (CZWI) is up 21.2% since the beginning of the year. At $21 per share, CZWI is trading 5.5% below its 52-week high of $23. Investors who bought $1,000 worth of CZWI shares 5 years ago would now be looking at an investment worth $1,703.

Citizens Community Bancorp, Inc. (CZWI) has returned 21.22% so far this year and 49.18% over the past 12 months. Over the last ten years, CZWI has returned 10.28% per year, falling short of the S&P 500 Index benchmark, which averaged 13.75% annually.

Based on dividend-adjusted daily data since Mar 30, 2004, CZWI's average daily return is +0.04%, while the average monthly return is +0.69%. At this rate, an investment would double in approximately 8.4 years.

Historically, 55% of months were positive and 45% were negative. The best month was Apr 2006 with a return of +27.0%, while the worst month was Nov 2006 at -51.3%. The longest winning streak lasted 11 consecutive months, and the longest losing streak was 8 months.

On a daily basis, CZWI closed higher 39% of trading days. The best single day was Apr 27, 2006 with a return of +29.5%, while the worst single day was Nov 1, 2006 at -51.3%.

Citizens Community Bancorp, Inc. has an annualized alpha of 7.70%, beta of 0.24, and R2 of 0.02 versus S&P 500 Index. Calculated based on daily prices since March 31, 2004.

• This stock participated in 56.57% of S&P 500 Index downside but only 44.03% of its upside - more exposed to losses than it benefited from rallies.
• Beta of 0.24 may look defensive, but with R2 of 0.02 this stock is largely uncorrelated with S&P 500 Index - low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
• R2 of 0.02 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

CZWI ranks 89 for risk / return — in the top 89% of stocks on our site. This means strong returns relative to risk — exactly what professional investors look for. Well-suited for investors who want to maximize return per unit of risk.

The table below present risk-adjusted performance metrics for Citizens Community Bancorp, Inc. (CZWI) and compare them to S&P 500 Index.

Citizens Community Bancorp, Inc. provided a 0.98% dividend yield over the last twelve months, with an annual payout of $0.21 per share. The company has been increasing its dividends for 12 consecutive years.

The table displays the monthly dividend distributions for Citizens Community Bancorp, Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.

The table below displays the maximum drawdowns of the Citizens Community Bancorp, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the Citizens Community Bancorp, Inc. was 83.62%, occurring on Nov 30, 2009. Recovery took 3772 trading sessions.

The current Citizens Community Bancorp, Inc. drawdown is 0.12%.

The chart below shows the rolling one-month volatility.

The chart below illustrates the trends in the financial health of Citizens Community Bancorp, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.

The Valuation section provides an overview of how Citizens Community Bancorp, Inc. is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.