Citizens Community Bancorp (NASDAQ:CZWI) and Oconee Federal Financial (NASDAQ:OFED) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their risk, dividends, profitability, valuation, institutional ownership, earnings and analyst recommendations.
Earnings & Valuation
This table compares Citizens Community Bancorp and Oconee Federal Financial’s gross revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Citizens Community Bancorp||$46.27 million||1.43||$4.28 million||$0.68||16.43|
|Oconee Federal Financial||$18.41 million||8.00||$3.03 million||N/A||N/A|
Institutional and Insider Ownership
63.1% of Citizens Community Bancorp shares are owned by institutional investors. Comparatively, 3.6% of Oconee Federal Financial shares are owned by institutional investors. 6.0% of Citizens Community Bancorp shares are owned by insiders. Comparatively, 5.2% of Oconee Federal Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.
Citizens Community Bancorp pays an annual dividend of $0.20 per share and has a dividend yield of 1.8%. Oconee Federal Financial pays an annual dividend of $0.40 per share and has a dividend yield of 1.6%. Citizens Community Bancorp pays out 29.4% of its earnings in the form of a dividend. Citizens Community Bancorp 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.
This is a breakdown of current recommendations and price targets for Citizens Community Bancorp and Oconee Federal Financial, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Citizens Community Bancorp||0||1||1||0||2.50|
|Oconee Federal Financial||0||0||0||0||N/A|
Citizens Community Bancorp currently has a consensus price target of $14.00, suggesting a potential upside of 25.34%. Given Citizens Community Bancorp’s higher possible upside, equities analysts plainly believe Citizens Community Bancorp is more favorable than Oconee Federal Financial.
This table compares Citizens Community Bancorp and Oconee Federal Financial’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Citizens Community Bancorp||9.26%||5.92%||0.55%|
|Oconee Federal Financial||16.19%||3.57%||0.62%|
Risk and Volatility
Citizens Community Bancorp has a beta of 0.26, suggesting that its stock price is 74% less volatile than the S&P 500. Comparatively, Oconee Federal Financial has a beta of 0.04, suggesting that its stock price is 96% less volatile than the S&P 500.
Citizens Community Bancorp beats Oconee Federal Financial on 10 of the 15 factors compared between the two stocks.
About Citizens Community Bancorp
Citizens Community Bancorp, Inc. operates as a holding company for Citizens Community Federal N.A. that provides various consumer, commercial, and agricultural banking products and services in Wisconsin and Minnesota. It accepts various deposit products, including demand deposits, savings and money-market accounts, and certificates of deposit. The company also offers various loan products, such as commercial real estate, agricultural real estate and non-real estate, commercial and industrial, and consumer loans, as well as one-to-four family residential mortgages and home equity lines-of-credit facilities. In addition, it provides a portfolio of investments, such as U.S. government sponsored agency securities, bonds and other obligations issued by states and their political subdivisions, and mortgage-backed securities. Further, the company offers Internet and mobile banking services. As of September 30, 2018, it operated through a network of 21 full-service branches. The company was founded in 1938 and is headquartered in Eau Claire, Wisconsin.
About Oconee Federal Financial
Oconee Federal Financial Corp. operates as a holding company for Oconee Federal Savings and Loan Association that provides various banking products and services in the Oconee County area of northwestern South Carolina and the northeast area of Georgia. The company's deposit products include demand, NOW, money market, savings, certificates of deposit, and individual retirement accounts. Its loan portfolio comprises one-to-four family residential mortgage loans; home equity loans and lines of credit; nonresidential real estate loans; construction and land loans; commercial and industrial loans; agricultural loans; and consumer loans. Oconee Federal Financial Corp. operates through its executive office and seven branch offices located in Oconee County, South Carolina; Stephens County, Georgia; and Rabun County, Georgia. The company was founded in 1924 and is based in Seneca, South Carolina. Oconee Federal Financial Corp. is a subsidiary of Oconee Federal, MHC.
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