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CZWI vs MA

CZWI
Citizens Community Bancorp, Inc.
NEUTRAL
Price
$20.48
Market Cap
$197.2M
Sector
Financial Services
AI Confidence
60%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
CZWI
13.74
MA
30.28
Forward P/E
CZWI
9.68
MA
22.05
P/B Ratio
CZWI
1.62
MA
57.74
P/S Ratio
CZWI
3.27
MA
13.6
EV/EBITDA
CZWI
--
MA
22.13

Profitability

Gross Margin
CZWI
0.0%
MA
100.0%
Operating Margin
CZWI
16.56%
MA
57.73%
Profit Margin
CZWI
23.88%
MA
45.65%
ROE
CZWI
7.86%
MA
209.91%
ROA
CZWI
0.82%
MA
23.72%

Growth

Revenue Growth
CZWI
25.1%
MA
17.6%
Earnings Growth
CZWI
-60.9%
MA
24.2%

Financial Health

Debt/Equity
CZWI
--
MA
2.56
Current Ratio
CZWI
--
MA
1.03
Quick Ratio
CZWI
--
MA
0.68

Dividends

Dividend Yield
CZWI
2.31%
MA
0.7%
Payout Ratio
CZWI
24.66%
MA
18.4%

AI Verdict

CZWI NEUTRAL

CZWI shows bullish fundamentals based on deterministic rules. Financial strength is weak (F-Score 3/9). Key strengths include strong valuation and growth metrics. Price trades at a 96.4% premium to fair value estimate ($10.43), limiting near-term upside from a valuation perspective.

Strengths
Attractive valuation with P/E of 13.7
Strong profitability (23.9% margin)
Strong revenue growth of 25.1%
Risks
Weak financial trend (Piotroski F-Score: 3/9)
Price trades at a 96.4% premium to fair value estimate ($10.43), limiting near-term upside from a valuation perspective.
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

CZWI vs MA: Head-to-Head Comparison

This page compares Citizens Community Bancorp, Inc. (CZWI) and Mastercard Incorporated (MA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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