Citizens Community Bancorp (NASDAQ:CZWI) & FSB Bancorp (NASDAQ:FSBC) Head-To-Head Analysis

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Citizens Community Bancorp (NASDAQ:CZWI) and FSB Bancorp (NASDAQ:FSBC) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their analyst recommendations, valuation, institutional ownership, risk, earnings, dividends and profitability.

Risk & Volatility

Citizens Community Bancorp has a beta of 0.37, suggesting that its stock price is 63% less volatile than the S&P 500. Comparatively, FSB Bancorp has a beta of 0.89, suggesting that its stock price is 11% less volatile than the S&P 500.

Insider and Institutional Ownership

47.4% of Citizens Community Bancorp shares are owned by institutional investors. Comparatively, 21.0% of FSB Bancorp shares are owned by institutional investors. 4.2% of Citizens Community Bancorp shares are owned by company insiders. Comparatively, 9.2% of FSB Bancorp shares are owned by company 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.


Citizens Community Bancorp pays an annual dividend of $0.20 per share and has a dividend yield of 1.8%. FSB Bancorp does not pay a dividend. Citizens Community Bancorp pays out 29.4% of its earnings in the form of a dividend. Citizens Community Bancorp has increased its dividend for 5 consecutive years.

Valuation & Earnings

This table compares Citizens Community Bancorp and FSB Bancorp’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Citizens Community Bancorp $46.27 million 2.61 $4.28 million $0.68 16.18
FSB Bancorp $15.26 million 2.20 $140,000.00 N/A N/A

Citizens Community Bancorp has higher revenue and earnings than FSB Bancorp.

Analyst Ratings

This is a summary of current ratings and recommmendations for Citizens Community Bancorp and FSB Bancorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Citizens Community Bancorp 0 1 1 0 2.50
FSB Bancorp 0 0 0 0 N/A

Citizens Community Bancorp presently has a consensus price target of $14.00, indicating a potential upside of 27.27%. Given Citizens Community Bancorp’s higher possible upside, equities research analysts plainly believe Citizens Community Bancorp is more favorable than FSB Bancorp.


This table compares Citizens Community Bancorp and FSB Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Citizens Community Bancorp 6.87% 5.07% 0.54%
FSB Bancorp 0.51% 0.25% 0.02%


Citizens Community Bancorp beats FSB Bancorp on 11 of the 14 factors compared between the two stocks.

Citizens Community Bancorp Company Profile

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, Minnesota, and Michigan. 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 December 31, 2018, it operated through a network of 27 full-service branches. The company was founded in 1938 and is based in Eau Claire, Wisconsin.

FSB Bancorp Company Profile

FSB Bancorp, Inc. operates as the bank holding company for Fairport Savings Bank that provides various financial services to individuals and corporate customers in Monroe County, New York. The company accepts savings, negotiable order of withdrawal, money market, and individual retirement accounts, as well as certificates of deposit and non-interest-bearing demand deposits. It also originates one- to four-family residential real estate mortgages, and home equity lines of credit, as well as commercial real estate, multi-family, construction, and commercial and industrial loans; and other loans consisting of automobile, passbook, overdraft protection, and unsecured loans. In addition, the company offers investment advisory services, such as annuities, insurance products, and mutual funds. It operates through four branch offices located in Penfield, Irondequoit, Webster, and Perinton, New York; and loan origination offices in Pittsford and Greece in the Rochester metropolitan area, as well as in Buffalo and Watertown, New York. The company was formerly known as FSB Community Bankshares, Inc. and changed its name to FSB Bancorp, Inc. in July 2016. FSB Bancorp, Inc. was founded in 1888 and is headquartered in Fairport, New York.

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