Citizens Community Bancorp (Citizens Community Bancorp) GF Value Rank : 6 (As of Apr. 28, 2024)

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What is Citizens Community Bancorp GF Value Rank?

Citizens Community Bancorp has the GF Value Rank of 6.

The GF Value Rank is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Competitive Comparison of Citizens Community Bancorp's GF Value Rank

For the Banks - Regional subindustry, Citizens Community Bancorp's GF Value Rank, along with its competitors' market caps and GF Value Rank data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Citizens Community Bancorp's GF Value Rank Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Citizens Community Bancorp's GF Value Rank distribution charts can be found below:

* The bar in red indicates where Citizens Community Bancorp's GF Value Rank falls into.

Citizens Community Bancorp GF Value Rank Related Terms

Thank you for viewing the detailed overview of Citizens Community Bancorp's GF Value Rank provided by GuruFocus.com. Please click on the following links to see related term pages.

Citizens Community Bancorp (Citizens Community Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Citizens Community Bancorp Inc (NAS:CZWI) » Definitions » GF Value Rank

Comparable Companies

Traded in Other Exchanges

N/A

Address

2174 EastRidge Center, Eau Claire, WI, USA, 54701

Website

https://www.ccf.us

Citizens Community Bancorp Inc is a bank holding company that offers traditional community banking services to businesses, Agricultural operators, and consumers, including one-to-four-family residential mortgages. it also offers a variety of loan products including commercial real estate loans, commercial and industrial (C&I) loans, agricultural real estate loans, agricultural operating loans, residential mortgages, home equity lines-of-credit, and consumer loans and offers deposit products through its branches, including demand deposits, various savings and money-market accounts and certificates of deposit. The company's sources of funds are deposits; amortization, prepayments, and maturities of outstanding loans; other short- term investments; and funds provided from operations.

Executives

Stephen M Bianchi	officer: CEO and President	225 S. MAIN AVENUE, SIOUX FALLS SD 57104
Kristina M Bourget	director	1703 PINE PARK DRIVE, EAU CLAIRE WI 54701
Kathleen Skarvan	other: Director of Subsidiary	40 WEST HIGHLAND PARK DR NE, HUTCHINSON MN 55350
James S Broucek	officer: Chief Financial Officer
Timothy L Olson	director	2727 PINE VIEW ROAD, EAU CLAIRE WI 54703
James D Moll	director	400 9TH AVE SW, WELLS MN 56097
Francis E Felber	director	754 OAK ST, BARRON WI 54812
William Glen Bertrand	other: Director of Subsidiary	E3420 N PINECREEK ROAD, ELEVA WI 54738
Richard Mchugh	director, other: Chairman	C/O CITIZENS COMMUNITY BANCORP, 2174 EASTRIDGE CENTER, EAU CLAIRE WI 54701
Nicholas William Amundsen	other: Director of Subsidiary	S4443 RYGG ROAD, EAU CLAIRE WI 54701
Martin S. Friedman	10 percent owner	7901 JONES BRANCH DR. SUITE 210, MCLEAN VA 22102
James R Lang	director	2194 EASTRIDGE CENTER, EAU CLAIRE WI 54701
Michael R Conner	other: Director of Subsidiary	1124 CUMMINGS COURT, EAU CLAIRE WI 54701
Brian R Schilling	director	C/O CITIZENS COMMUNITY BANCORP, 2174 EASTRIDGE CENTER, EAU CLAIRE WI 54701
Michael L Swenson	director	1414 WEST HAMILTON AVE., STE 3, EAU CLAIRE WI 54701