On the stock market since 2004, it operates in the world of money and finance. It has 217 employees. Now — the numbers.
This is an established company with proven profits.
No real growth (3% a year).
Executive selling isn’t always bad news; people sell for personal reasons too. Still, the thin buying side is worth noting.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit indicators sit around the sector average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Clearly below the class average.
The stock has been running stronger than the market lately.
Growth: Sales growth trails the sector average.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
The stock trades below its recent peak — about 13% off the top. A pullback, not a collapse.
The net profit margin is 16% — still a thick cushion, though costs have been eating into it lately.
It met or beat analyst expectations in 7 of the last 8 quarters — consistency is a promise kept.
It pays out $0.21 per share each year — regular cash for whoever holds the stock.
The growth engine is running at low revs right now. Report-card grade: 29/100.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 46/100.
On our five-subject report card, CZWI sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.
The takeaway: CZWI is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.