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Validea Motley Fool Strategy Daily Upgrade Report – 4/6/2022

The following are today’s upgrades for Validea’s Small-Cap Growth Investor model based on the published strategy of Motley Fool. This strategy looks for small cap growth stocks with solid fundamentals and strong price performance.

CITIZENS COMMUNITY BANCORP INC. (CZWI) is a small-cap value stock in the Regional Banks industry. The rating according to our strategy based on Motley Fool changed from 63% to 76% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.

Company Description: Citizens Community Bancorp, Inc. is a bank holding company of Citizens Community Federal N.A. (the Bank). The Bank offers traditional community banking services to businesses, agricultural operators, and consumers, including one-to-four family residential mortgages. It offers a range deposit product through its branches, including demand deposits, various savings and money-market accounts and certificates of deposit. It provides variety of loan products including commercial real estate loans, commercial and industrial loans, agricultural real estate loans, agricultural operating loans, residential mortgages, home equity lines-of-credit and consumer loans. It maintains a portfolio of investments, including mortgage-backed securities, corporate asset-backed securities, United Stated Government sponsored agency securities, corporate debt securities and trust preferred securities. Its primary sources of funds are deposits and amortization, prepayments, and maturities of outstanding loans.

The following table summarizes whether the stock meets each of this strategy’s tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy’s criteria.

PROFIT MARGIN: PASS
RELATIVE STRENGTH: FAIL
COMPARE SALES AND EPS GROWTH TO THE SAME PERIOD LAST YEAR: FAIL
INSIDER HOLDINGS: FAIL
CASH FLOW FROM OPERATIONS: PASS
PROFIT MARGIN CONSISTENCY: PASS
R&D AS A PERCENTAGE OF SALES: NEUTRAL
CASH AND CASH EQUIVALENTS: PASS
“THE FOOL RATIO” (P/E TO GROWTH): PASS
AVERAGE SHARES OUTSTANDING: PASS
SALES: PASS
DAILY DOLLAR VOLUME: FAIL
PRICE: PASS
INCOME TAX PERCENTAGE: PASS

Detailed Analysis of CITIZENS COMMUNITY BANCORP INC.

Full Guru Analysis for CZWI

Full Factor Report for CZWI

HAWTHORN BANCSHARES, INC. (HWBK) is a small-cap value stock in the Regional Banks industry. The rating according to our strategy based on Motley Fool changed from 65% to 79% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.

Company Description: Hawthorn Bancshares, Inc. is a bank holding company. The Company’s activities are limited to ownership, indirectly through its subsidiary, Union State Bancshares, Inc. (Union), of the outstanding capital stock of Hawthorn Bank. Hawthorn Bank is a full-service bank conducting a general banking and trust business, offering its customers checking and savings accounts, internet banking, debit cards, certificates of deposit, trust services, brokerage services, safety deposit boxes and a range of lending services, including commercial and industrial loans, single payment personal loans, installment loans and commercial and residential real estate loans. Its subsidiaries include Union State Bancshares, Inc., Hawthorn Bank, Jefferson City IHC, LLC, Hawthorn Real Estate, LLC and Hawthorn Risk Management, Inc.

The following table summarizes whether the stock meets each of this strategy’s tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy’s criteria.

PROFIT MARGIN: PASS
RELATIVE STRENGTH: FAIL
COMPARE SALES AND EPS GROWTH TO THE SAME PERIOD LAST YEAR: FAIL
INSIDER HOLDINGS: PASS
CASH FLOW FROM OPERATIONS: PASS
PROFIT MARGIN CONSISTENCY: PASS
R&D AS A PERCENTAGE OF SALES: NEUTRAL
CASH AND CASH EQUIVALENTS: PASS
“THE FOOL RATIO” (P/E TO GROWTH): PASS
AVERAGE SHARES OUTSTANDING: PASS
SALES: PASS
DAILY DOLLAR VOLUME: FAIL
PRICE: PASS
INCOME TAX PERCENTAGE: FAIL

Detailed Analysis of HAWTHORN BANCSHARES, INC.

Full Guru Analysis for HWBK

Full Factor Report for HWBK

OAK VALLEY BANCORP (OVLY) is a small-cap value stock in the Regional Banks industry. The rating according to our strategy based on Motley Fool changed from 56% to 83% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.

Company Description: Oak Valley Bancorp is a bank holding company that operates through its subsidiary, Oak Valley Community Bank (the Bank). The Bank offers a complement of business checking and savings accounts for its business customers. The Bank also offers commercial and real estate loans, as well as lines of credit. Real estate loans are generally of a short-term nature for both residential and commercial lending purposes. Longer-term real estate loans are generally made with adjustable interest rates and contain customary provisions for acceleration. Traditional residential mortgages are available to Bank customers through a third party. The Bank offers other services for both individuals and businesses including online banking, remote deposit capture, mobile banking, merchant services, night depository, extended hours, wire transfer of funds, note collection and automated teller machines in a national network.

The following table summarizes whether the stock meets each of this strategy’s tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy’s criteria.

PROFIT MARGIN: PASS
RELATIVE STRENGTH: FAIL
COMPARE SALES AND EPS GROWTH TO THE SAME PERIOD LAST YEAR: FAIL
INSIDER HOLDINGS: PASS
CASH FLOW FROM OPERATIONS: PASS
PROFIT MARGIN CONSISTENCY: PASS
R&D AS A PERCENTAGE OF SALES: NEUTRAL
CASH AND CASH EQUIVALENTS: PASS
“THE FOOL RATIO” (P/E TO GROWTH): PASS
AVERAGE SHARES OUTSTANDING: PASS
SALES: PASS
DAILY DOLLAR VOLUME: FAIL
PRICE: PASS
INCOME TAX PERCENTAGE: PASS

Detailed Analysis of OAK VALLEY BANCORP

Full Guru Analysis for OVLY

Full Factor Report for OVLY

HOMESTREET INC (HMST) is a small-cap value stock in the Regional Banks industry. The rating according to our strategy based on Motley Fool changed from 53% to 80% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.

Company Description: HomeStreet, Inc. is a financial services company principally engaged in commercial banking, mortgage banking and consumer/retail banking activities. The Company provides commercial banking products and services to small and medium sized businesses, real estate investors and professional firms and consumer banking products and services to individuals. It operates approximately 60 full-service bank branches in Washington, in Northern and Southern California, in the Portland, Oregon area and in Hawaii, as well as five primary stand-alone commercial lending centers located in Central Washington, Oregon, Southern California, Idaho and Utah. Its serves customers primarily in the western United States. Its loans portfolio includes commercial real estate (CRE) loans, commercial and industrial loans, and consumer loans. Its CRE loans include non-owner occupied CRE, multifamily, and construction/land development loans. Its consumer loans include single family, and home equity and other.

The following table summarizes whether the stock meets each of this strategy’s tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy’s criteria.

PROFIT MARGIN: PASS
RELATIVE STRENGTH: FAIL
COMPARE SALES AND EPS GROWTH TO THE SAME PERIOD LAST YEAR: FAIL
INSIDER HOLDINGS: FAIL
CASH FLOW FROM OPERATIONS: PASS
PROFIT MARGIN CONSISTENCY: PASS
R&D AS A PERCENTAGE OF SALES: NEUTRAL
CASH AND CASH EQUIVALENTS: PASS
“THE FOOL RATIO” (P/E TO GROWTH): PASS
AVERAGE SHARES OUTSTANDING: PASS
SALES: PASS
DAILY DOLLAR VOLUME: PASS
PRICE: PASS
INCOME TAX PERCENTAGE: PASS

Detailed Analysis of HOMESTREET INC

Full Guru Analysis for HMST

Full Factor Report for HMST

INTERNATIONAL MONEY EXPRESS INC (IMXI) is a small-cap growth stock in the Consumer Financial Services industry. The rating according to our strategy based on Motley Fool changed from 87% to 93% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.

Company Description: International Money Express, Inc. money remittance services company. The Company is focused primarily on the United States to Latin America and the Caribbean (LAC) corridor, which includes Mexico, Central and South America and the Caribbean. It utilizes its own technology to deliver value-added services to its customers through a network of sending and paying agents. Its remittance services, which include a suite of ancillary financial processing solutions and payment services, are available in approximately 50 states in the United States, Washington D.C., Puerto Rico and approximately 13 provinces in Canada, where customers can send money to beneficiaries in approximately 17 LAC countries, seven countries in Africa and two countries in Asia. Its services are accessible in person and Company-operated stores, as well as online and via Internet-enabled mobile devices.

The following table summarizes whether the stock meets each of this strategy’s tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy’s criteria.

PROFIT MARGIN: PASS
RELATIVE STRENGTH: PASS
COMPARE SALES AND EPS GROWTH TO THE SAME PERIOD LAST YEAR: PASS
INSIDER HOLDINGS: PASS
CASH FLOW FROM OPERATIONS: PASS
PROFIT MARGIN CONSISTENCY: PASS
R&D AS A PERCENTAGE OF SALES: NEUTRAL
CASH AND CASH EQUIVALENTS: PASS
ACCOUNTS RECEIVABLE TO SALES: PASS
“THE FOOL RATIO” (P/E TO GROWTH): FAIL
AVERAGE SHARES OUTSTANDING: PASS
SALES: PASS
DAILY DOLLAR VOLUME: PASS
PRICE: PASS
INCOME TAX PERCENTAGE: PASS

Detailed Analysis of INTERNATIONAL MONEY EXPRESS INC

Full Guru Analysis for IMXI

Full Factor Report for IMXI

GENIE ENERGY LTD (GNE) is a small-cap value stock in the Electric Utilities industry. The rating according to our strategy based on Motley Fool changed from 45% to 72% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.

Company Description: Genie Energy Ltd. is a global provider of energy services that operates through its subsidiaries. The Company’s segments include Genie Retail Energy (GRE), GRE International and Genie Energy Services (GES). The GRE segment consists of retail energy providers (REPs) and related businesses. GRE’s REP businesses purchase electricity and natural gas on the wholesale markets and resell its commodities to its residential and business customers in the United States. The GRE International segment consists of REPs and operates under a range of brand names, including Lumo Energia, Genie Energy Japan and Orbit Energy. The GES segment consists of businesses that market and provide energy solutions and also includes controlling interests in Prism, Diversegy and Genie Solar Energy. Its subsidiaries include Genie Energy International Corporation (GEIC), Genie Retail Energy (GRE), Genie Retail Energy International LLC (GREI), Genie Energy Services (GES) and Genie Oil and Gas, Inc. (GOGAS).

The following table summarizes whether the stock meets each of this strategy’s tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy’s criteria.

PROFIT MARGIN: FAIL
RELATIVE STRENGTH: FAIL
COMPARE SALES AND EPS GROWTH TO THE SAME PERIOD LAST YEAR: FAIL
INSIDER HOLDINGS: PASS
CASH FLOW FROM OPERATIONS: PASS
PROFIT MARGIN CONSISTENCY: PASS
R&D AS A PERCENTAGE OF SALES: NEUTRAL
CASH AND CASH EQUIVALENTS: PASS
INVENTORY TO SALES: PASS
ACCOUNTS RECEIVABLE TO SALES: PASS
LONG TERM DEBT/EQUITY RATIO: PASS
“THE FOOL RATIO” (P/E TO GROWTH): PASS
AVERAGE SHARES OUTSTANDING: PASS
SALES: PASS
DAILY DOLLAR VOLUME: FAIL
PRICE: FAIL
INCOME TAX PERCENTAGE: PASS

Detailed Analysis of GENIE ENERGY LTD

Full Guru Analysis for GNE

Full Factor Report for GNE

ENOVA INTERNATIONAL INC (ENVA) is a small-cap value stock in the Consumer Financial Services industry. The rating according to our strategy based on Motley Fool changed from 45% to 72% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.

Company Description: Enova International, Inc. is a technology and analytics company. The Company operates through the domestic and international operations segment. It offers or arranges loans or draws on lines of credit to consumers in approximately 38 states in the United States and Brazil. The Company also offers financing to small businesses in all over 50 states and the Washington District of Columbia in the United States. The Company uses its technology, analytics and customer service capabilities to evaluate, underwrite and fund loans or provide financing, allowing it to offer consumers and small businesses credit or financing. Its customers include the growing number of consumers and small businesses, which have bank accounts but use alternative financial services because of their limited access to more traditional credit from banks, credit card companies and other lenders. Its financing products include installment loans and receivables purchase agreements (RPAs) and line of credit accounts.

The following table summarizes whether the stock meets each of this strategy’s tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy’s criteria.

PROFIT MARGIN: PASS
RELATIVE STRENGTH: FAIL
COMPARE SALES AND EPS GROWTH TO THE SAME PERIOD LAST YEAR: FAIL
INSIDER HOLDINGS: FAIL
CASH FLOW FROM OPERATIONS: PASS
PROFIT MARGIN CONSISTENCY: PASS
R&D AS A PERCENTAGE OF SALES: NEUTRAL
CASH AND CASH EQUIVALENTS: PASS
ACCOUNTS RECEIVABLE TO SALES: PASS
“THE FOOL RATIO” (P/E TO GROWTH): PASS
AVERAGE SHARES OUTSTANDING: PASS
SALES: FAIL
DAILY DOLLAR VOLUME: PASS
PRICE: PASS
INCOME TAX PERCENTAGE: FAIL

Detailed Analysis of ENOVA INTERNATIONAL INC

Full Guru Analysis for ENVA

Full Factor Report for ENVA

More details on Validea’s Motley Fool strategy

About Motley Fool: Brothers David and Tom Gardner often wear funny hats in public appearances, but they’re hardly fools — at least not the kind whose advice you should readily dismiss. The Gardners are the founders of the popular Motley Fool web site, which offers frank and often irreverent commentary on investing, the stock market, and personal finance. The Gardners’ “Fool” really is a multi-media endeavor, offering not only its web content but also several books written by the brothers, a weekly syndicated newspaper column, and subscription newsletter services.

About Validea: Validea is an investment research service that follows the published strategies of investment legends. Validea offers both stock analysis and model portfolios based on gurus who have outperformed the market over the long-term, including Warren Buffett, Benjamin Graham, Peter Lynch and Martin Zweig. For more information about Validea, click here

The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

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