Our analysis is based on comparing Citizens Community Bancorp, Inc. (Wisconsin) with the following peers – HMN Financial, Inc., First Defiance Financial Corp., Bank Mutual Corporation, United Community Financial Corp., Westbury Bancorp, Inc., Wolverine Bancorp, Inc. and Flagstar Bancorp, Inc. (HMNF-US, FDEF-US, BKMU-US, UCFC-US, WBB-US, WBKC-US and FBC-US).
Citizens Community Bancorp, Inc. (Wisconsin)’s dividend yield is 1.16 percent and its dividend payout is 19.95 percent. This compares to a peer average dividend yield of 1.61 percent and a payout level of 23.73 percent. This relatively lagging dividend performance could spur some dividend action going forward – as long as the company’s relatively strong dividend quality score of 83 out of a possible score of 100 looks sustainable.
Dividend Quality Overview
- Over the last twelve months (prior to December 31, 2016), CZWI-US paid a high quality dividend, which represents a yield of 0.87% at the current price.
- Dividend quality trend has not been consistent over the last five years. Dividends were paid during 4 of these years — of these 1 was high quality and 3 were low quality.
- The ending cash balance, with a dividend coverage of 32.50x, provides a substantial cushion in case of a significant reduction of cash flows in the future.
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Over the last twelve months (prior to December 31, 2016), CZWI-US paid a high quality dividend.
The source of the company’s cash to support the dividend paid over the last twelve months is operating cash flow (coverage of 3.49x), investing cash flow (coverage of 129.76x), issuance cash flow (coverage of -123.96x) and twelve-month prior cash (coverage of 24.21x), for a total dividend coverage of 33.50x.
These coverage ratio factors imply that the firm’s dividends are wholly paid from operating and investing cash flows net of any debt repayments, which suggests a high dividend quality.
|Dividend Yield (%)||0||0.28||0.45||0.9||1.07||1.16|
|Dividend Payout (%)||0||10||11.76||14.81||24.49||19.95|
A complete list of metrics and analysis is available on the company page.
Citizens Community Bancorp, Inc. operates as a holding company for Citizens Community Federal Bank. It offers a variety of products including residential mortgages, home equity lines-of-credit, consumer loans, demand deposits, various savings and money-market accounts, and certificates of deposits. The company was founded in 2004 and is headquartered in Eau Claire, WI.
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