CZWI Citizens Community Bancorp Inc

  1. Stocks
  2. Financial Services
  3. NASDAQ: CZWI

Price (delayed)

$21.07

Market cap

$203.33M

P/E Ratio

16.08

Dividend/share

$0.32

EPS

$1.31

Enterprise value

$133.45M

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Relative Growth: Rel. Growth: 22
Relative Strength: Rel. Strength: 61
Relative Valuation: Rel. Valuation: 70
Relative Profitability: Rel. Profitability: 69

Citizens Community Bancorp, Inc. is a unitary savings and loan holding company. Its primary activities consist of holding the stock of its wholly owned subsidiary bank, Citizens Community Federal (the ...

Highlights
CZWI's debt is down by 16% year-on-year
The equity has grown by 4.3% YoY
The net income fell by 14% QoQ but it rose by 2.9% YoY
Citizens Community Bancorp's EPS has decreased by 14% QoQ but it has increased by 6% YoY
The P/E is 68% above the 5-year quarterly average of 9.6 and 16% above the last 4 quarters average of 13.9
The gross profit has contracted by 4.9% from the previous quarter
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.ccf.us
Peers: FLG WBS

Key stats

What are the main financial stats of CZWI

CZWI stock price

How has the Citizens Community Bancorp stock price performed over time
Intraday
0.84%
1 week
0.24%
1 month
-9.53%
1 year
32.85%
YTD
18.24%
QTD
-9.92%

Financial performance

How have Citizens Community Bancorp's revenue and profit performed over time
Revenue
$58.29M
Gross profit
$58.29M
Operating income
$15.29M
Net income
$12.81M
Gross margin
100%
Net margin
22%
The operating income has contracted by 16% from the previous quarter
The net income fell by 14% QoQ but it rose by 2.9% YoY
The operating margin has contracted by 11% from the previous quarter and by 2.2% YoY
CZWI's net margin is down by 10% since the previous quarter but it is up by 2.3% year-on-year

Price vs fundamentals

How does CZWI's price correlate with its fundamentals

Growth

What is Citizens Community Bancorp's growth rate over time

Valuation

What is Citizens Community Bancorp stock price valuation
CZWI P/E details
P/E
16.08
P/B
1.06
P/S
3.49
EV/EBIT
8.73
EV/EBITDA
7.55
EV/Sales
2.29
The P/E is 68% above the 5-year quarterly average of 9.6 and 16% above the last 4 quarters average of 13.9
Citizens Community Bancorp's EPS has decreased by 14% QoQ but it has increased by 6% YoY
CZWI's P/B is 33% above its 5-year quarterly average of 0.8 and 6% above its last 4 quarters average of 1.0
The equity has grown by 4.3% YoY
The P/S is 52% above the 5-year quarterly average of 2.3 and 13% above the last 4 quarters average of 3.1
The company's revenue fell by 4.9% QoQ

Efficiency

How efficient is Citizens Community Bancorp business performance
The ROIC has contracted by 18% from the previous quarter
The company's return on equity fell by 15% QoQ
Citizens Community Bancorp's ROA has decreased by 13% from the previous quarter
Citizens Community Bancorp's return on sales has decreased by 11% QoQ and by 2.2% YoY

Dividends

What is CZWI's dividend history
Dividend details
DPS
$0.32
Dividend yield
1.5%
Payout ratio
24%
Recent dividends

Special dividends are included in TTM DPS and yield

Financial health

How did Citizens Community Bancorp financials performed over time
Citizens Community Bancorp's total assets is 12% higher than its total liabilities
Citizens Community Bancorp's total assets has increased by 4.6% YoY
The total liabilities has grown by 4.6% YoY
CZWI's debt is 73% smaller than its equity
CZWI's debt to equity is down by 21% year-on-year
CZWI's debt is down by 16% year-on-year

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.