Frederick County Bancorp (MD) (OTCMKTS:FCBI) versus Citizens Community Bancorp (NASDAQ:CZWI) Head-To-Head Comparison

Dividends

Citizens Community Bancorp pays an annual dividend of $0.36 per share and has a dividend yield of 2.6%. Frederick County Bancorp (MD) pays an annual dividend of $0.32 per share and has a dividend yield of 0.9%. Citizens Community Bancorp pays out 27.1% of its earnings in the form of a dividend.

Institutional and Insider Ownership

55.1% of Citizens Community Bancorp shares are held by institutional investors. 3.7% of Citizens Community Bancorp shares are held by insiders. Comparatively, 32.2% of Frederick County Bancorp (MD) shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Risk and Volatility

Citizens Community Bancorp has a beta of 1.12, meaning that its share price is 12% more volatile than the S&P 500. Comparatively, Frederick County Bancorp (MD) has a beta of 0.34, meaning that its share price is 66% less volatile than the S&P 500.

Profitability

This table compares Citizens Community Bancorp and Frederick County Bancorp (MD)’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Citizens Community Bancorp	13.79%	7.87%	0.77%
Frederick County Bancorp (MD)	11.41%	N/A	N/A

Earnings & Valuation

This table compares Citizens Community Bancorp and Frederick County Bancorp (MD)”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Citizens Community Bancorp	$56.29 million	2.48	$13.75 million	$1.33	10.45
Frederick County Bancorp (MD)	$18.62 million	3.11	$2.96 million	N/A	N/A

Citizens Community Bancorp has higher revenue and earnings than Frederick County Bancorp (MD).

Summary

Citizens Community Bancorp beats Frederick County Bancorp (MD) on 8 of the 12 factors compared between the two stocks.

About Citizens Community Bancorp

Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal N.A. that provides various traditional community banking services to businesses, agricultural operators, and consumers. 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, commercial and industrial, agricultural real estate, agricultural operating, and consumer loans; and one-to-four family residential mortgages and home equity lines-of-credit. In addition, it maintains a portfolio of investments comprising mortgage-backed, corporate asset-backed, U.S. Government sponsored agency, and corporate debt securities. Citizens Community Bancorp, Inc. was founded in 1938 and is based in Eau Claire, Wisconsin.

About Frederick County Bancorp (MD)

Frederick County Bancorp, Inc. operates as the holding company for Frederick County Bank that provides various banking services to individuals and commercial enterprises in the Frederick County, Maryland. It offers deposit products, including personal checking accounts, savings accounts, money market accounts, certificates of deposit, individual retirement accounts, and health savings accounts; and business checking accounts, savings and money market accounts, and certificates of deposits. The company provides home equity, home equity fixed rate, mortgage, installment, vehicle, and unsecured loans, as well as home equity line of credit and lines of credit; and commercial loans, such as term loans, lines of credit, letters of credit, and real estate finance. It also offers cash management services comprising automated clearing house, wire origination, remote deposit capture, and zero balance account services. In addition, the company provides mobile deposit capture, overdraft protection, debit and credit card, automated teller machine, and night depository services; and business courier and merchant processing services, as well as online banking and bill pay services. The company was founded in 2001 and is headquartered in Frederick, Maryland.