Citizens Community Bancorp Inc (CZWI)vsU.S. Bancorp (USB)
CZWI
Citizens Community Bancorp Inc
$19.55
+0.72%
FINANCIAL SERVICES · Cap: $183.62M
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 43549% more annual revenue ($26.35B vs $60.38M). USB leads profitability with a 28.7% profit margin vs 23.9%. USB trades at a lower P/E of 11.3x. USB earns a higher WallStSmart Score of 75/100 (B).
CZWI
Strong Buy65
out of 100
Grade: B-
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+72.6%
Fair Value
$68.33
Current Price
$19.55
$48.78 discount
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 34.7%
Earnings expanding 64.2% YoY
Keeps 24 of every $100 in revenue as profit
Attractively priced relative to earnings
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
Smaller company, higher risk/reward
ROE of 7.9% — below average capital efficiency
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CZWI
The strongest argument for CZWI centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 23.9% and operating margin at 34.7%.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : CZWI
The primary concerns for CZWI are Market Cap, Return on Equity.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
USB carries more volatility with a beta of 1.04 — expect wider price swings.
CZWI is growing revenue faster at 9.8% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
USB scores higher overall (75/100 vs 65/100), backed by strong 28.7% margins. CZWI offers better value entry with a 72.6% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Citizens Community Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Citizens Community Bancorp, Inc. is a bank holding company for Citizens Community Federal NA providing a variety of traditional community banking services to businesses, agricultural operators, and consumers. The company is headquartered in Eau Claire, Wisconsin.
U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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