Unlock Premium for Just $9.99/Month – Special Launch Offer, Limited Time Only
Get Premium
CZWI Citizens Community Bancorp Inc
- Stocks
- Financial Services
- NASDAQ: CZWI
Price (delayed)
$14.83
Market cap
$148.14M
P/E Ratio
11.77
Dividend/share
$0.36
EPS
$1.26
Enterprise value
$109.6M
Citizens Community Bancorp is the holding company for Citizens Community Federal, a community bank with about 20 branches in Wisconsin, southern Minnesota, and northern Michigan. Serving consumers and businesses, the
Highlights
CZWI's debt is down by 42% year-on-year and by 7% since the previous quarter
The equity has grown by 4.2% YoY
The P/E is 42% above the 5-year quarterly average of 8.3 and 12% above the last 4 quarters average of 10.5
Citizens Community Bancorp's EPS has decreased by 6% QoQ and by 3.1% YoY
Key stats
What are the main financial stats of CZWI
Market
Valuations
Earnings
Shares outstanding
9.99M
Market cap
$148.14M
Enterprise value
$109.6M
Price to earnings (P/E)
11.77
Price to book (P/B)
0.82
Price to sales (P/S)
2.54
EV/EBIT
6.75
EV/EBITDA
5.74
EV/Sales
1.88
Revenue
$58.22M
Gross profit
$58.22M
Operating income
$16.23M
Net income
$12.86M
EBIT
$16.23M
EBITDA
$19.09M
Free cash flow
$11.92M
Per share
Balance sheet
Liquidity
EPS
$1.26
EPS diluted
$1.26
Free cash flow per share
$1.19
Book value per share
$18.02
Revenue per share
$5.83
TBVPS
$174.95
Total assets
$1.78B
Total liabilities
$1.6B
Debt
$61.66M
Equity
$180.05M
Working capital
N/A
Debt to equity
0.34
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-2.02
Margins
Efficiency
Dividend
EBITDA margin
32.8%
Gross margin
100%
Net margin
22.1%
Operating margin
27.9%
Return on assets
0.7%
Return on equity
7.2%
Return on invested capital
0.9%
Return on capital employed
N/A
Return on sales
27.9%
Dividend yield
2.43%
DPS
$0.36
Payout ratio
28.6%
CZWI stock price
How has the Citizens Community Bancorp stock price performed over time
Intraday
0%
1 week
-0.47%
1 month
16.68%
1 year
31.24%
YTD
-8.96%
QTD
3.13%
Financial performance
How have Citizens Community Bancorp's revenue and profit performed over time
Revenue
$58.22M
Gross profit
$58.22M
Operating income
$16.23M
Net income
$12.86M
Gross margin
100%
Net margin
22.1%
The operating income has contracted by 15% YoY and by 7% from the previous quarter
The operating margin has contracted by 13% YoY and by 4.5% from the previous quarter
The net income fell by 6% QoQ and by 4.6% YoY
CZWI's net margin is down by 3.9% since the previous quarter
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
P/E
11.77
P/B
0.82
P/S
2.54
EV/EBIT
6.75
EV/EBITDA
5.74
EV/Sales
1.88
The P/E is 42% above the 5-year quarterly average of 8.3 and 12% above the last 4 quarters average of 10.5
Citizens Community Bancorp's EPS has decreased by 6% QoQ and by 3.1% YoY
The equity has grown by 4.2% YoY
CZWI's P/B is 2.5% above its 5-year quarterly average of 0.8 and 2.5% above its last 4 quarters average of 0.8
The P/S is 27% above the 5-year quarterly average of 2.0 and 6% above the last 4 quarters average of 2.4
The company's revenue fell by 3% YoY and by 2.6% QoQ
Efficiency
How efficient is Citizens Community Bancorp business performance
Citizens Community Bancorp's ROA has decreased by 13% from the previous quarter
Citizens Community Bancorp's return on sales has decreased by 13% YoY and by 4.5% QoQ
The ROIC has contracted by 10% from the previous quarter and by 10% YoY
The company's return on equity fell by 10% YoY and by 8% QoQ
Dividends
What is CZWI's dividend history
DPS
$0.36
Dividend yield
2.43%
Payout ratio
28.6%
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 11% higher than its total liabilities
The total liabilities has contracted by 2.8% YoY
Citizens Community Bancorp's total assets has decreased by 2.2% YoY
CZWI's debt is 66% smaller than its equity
CZWI's debt to equity is down by 45% year-on-year and by 8% since the previous quarter
CZWI's debt is down by 42% year-on-year and by 7% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.