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Citizens Community Bancorp Inc.  (CZWI)
Other Ticker:  
 
    Sector  Financial    Industry S&Ls Savings Banks
   Industry S&Ls Savings Banks
   Sector  Financial

Citizens Community Bancorp Inc's

Competitiveness


 

CZWI Sales vs. its Competitors Q2 2022



Comparing the results to its competitors, Citizens Community Bancorp Inc reported Total Revenue decrease in the 2 quarter 2022 year on year by -2.32 %, despite revenue increase by most of its competitors of 2.84 %, recorded in the same quarter.

List of CZWI Competitors

With net margin of 26.89 % company reported lower profitability than its competitors.

More on CZWI Margin Comparisons



Revenue Growth Comparisons




Net Income Comparison


Citizens Community Bancorp Inc. Net Income in 2 quarter 2022 declined year on year by -7.22 %, slower than the average decrease reported by company's competitors of -30.96 %.

<<  More on CZWI Income Comparisons


Citizens Community Bancorp Inc's Comment on Competitors and Industry Peers


We face strong competition in originating loans, in seeking deposits and in offering other banking services. We compete with commercial banks, trust companies, mortgage banking firms, credit unions, finance companies, mutual funds, insurance companies and brokerage and investment banking firms. Our market area is also served by commercial banks and savings associations that are substantially larger than us in terms of deposits and loans and have greater human and financial resources. This competitive climate can make it difficult to establish, maintain and retain relationships with new and existing customers and can lower the rate we are able to charge on loans, increase the rates we must offer on deposits, and affect our charges for other services. Those factors can, in turn, adversely affect our results of operations and profitability.

We compete with other financial institutions and businesses both in attracting and retaining deposits and making loans in all of our principal markets. We believe the primary factors in competing for deposits are interest rates, personalized services, the quality and range of financial services, technology, convenience of office locations and office hours. Competition for deposit products comes primarily from other banks, credit unions and non-bank competitors, including insurance companies, money market and mutual funds, and other investment alternatives. We believe the primary factors in competing for loans are interest rates, loan origination fees, and the quality and the range of lending services. Competition for loans comes primarily from other banks, mortgage banking firms, credit unions, finance companies, leasing companies and other financial intermediaries. Some of our competitors are not subject to the same degree of regulation as that imposed on national banks or federally insured institutions, and these other institutions may be able to price loans and deposits more aggressively. We also face direct competition from other banks and their holding companies that have greater assets and resources than ours.





  

Overall company Market Share Q2 2022

Overall company, revenue fell by -2.32 % and company lost market share, to approximate 0.06 %.




<<  More on CZWI Market Share.
 
*Market share is calculated based on total revenue.


CZWI's vs. Competition, Data

(Revenue and Income for Trailing 12 Months, in Millions of $, except Employees)


COMPANY NAME MARKET CAP
(in millions of $)
REVENUES
(in millions of $)
INCOME
(in millions of $)
EMPLOYEES
Citizens Community Bancorp Inc. CZWI 129.60 68.00 20.00 173
Admiral Financial Corp. ADFK 0 0.00 0.00 1
Bbx Capital Corporation BBX 257 171.73 -17.44 514
Bankfinancial Corp BFIN 125 51.10 7.85 230
Bankunited inc. BKU 2,740 913.82 345.11 1,641
Customers Bancorp Inc. CUBI 992 752.76 352.12 517
Brookline Bancorp inc BRKL 902 314.91 194.18 675
Bcb Bancorp Inc. BCBP 293 108.47 39.19 331
Broadway Financial Corporation BYFC 70 29.32 1.64 67
Pathward Financial Inc. CASH 971 558.16 151.97 638
Cf Bankshares Inc. CFBK 135 49.01 17.79 45
Capitol Federal Financial Inc. CFFN 1,127 217.59 83.51 691
Eagle Bancorp Montana Inc. EBMT 140 88.91 10.46 165
Everquote Inc. EVER 0 422.23 -23.22 3,000
Flagstar Bancorp Inc. FBC 1,788 1,545.00 350.00 2,731
First Capital Inc FCAP 87 38.21 11.44 167
1st Constitution Bancorp FCCY 287 73.00 21.58 169
Premier Financial Corp. PFC 912 287.27 102.39 0
First Guaranty Bancshares Inc. FGBI 234 107.25 31.55 267
First Savings Financial Group inc. FSFG 164 120.41 18.83 148
Hmn Financial Inc HMNF 99 41.58 9.39 194
Kentucky First Federal Bancorp KFFB 64 9.74 1.59 69
Home Federal Bancorp Inc. Of Louisiana HFBL 73 20.50 4.87 58
Msb Financial Corp MSBF 49 18.46 4.12 49
Northrim Bancorp Inc. NRIM 241 126.39 29.01 411
Salisbury Bancorp Inc. SAL 137 52.31 14.76 158
Severn Bancorp Inc SVBI 178 47.57 10.05 152
Territorial Bancorp Inc. TBNK 166 61.37 17.18 269
Tfs Financial Corporation TFSL 3,621 278.39 66.15 896
Umpqua Holdings Corporation UMPQ 3,713 1,233.19 1,150.97 4,491
Waterstone Financial Inc. WSBF 359 262.70 44.83 770
Bank Of America Corporation BAC 246,526 90,742.00 28,018.00 210,250
First Financial Bankshares Inc. FFIN 6,025 517.44 230.73 1,270
Texas Capital Bancshares Inc TCBI 2,999 699.15 198.69 1,329
Wintrust Financial Corp WTFC 4,798 1,730.64 429.80 0
SUBTOTAL 280,400.96 101,758.63 31,949.21 232,536
       
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