CZWI Citizens Community Bancorp Inc
Price (delayed)
$14.43
Market cap
$144.15M
P/E Ratio
10.77
Dividend/share
$0.36
EPS
$1.34
Enterprise value
$160.58M
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 has dropped by 55% year-on-year and by 19% since the previous quarter
The equity has grown by 3.3% YoY
Citizens Community Bancorp's EPS has increased by 7% YoY but it has decreased by 6% QoQ
The net income fell by 7% QoQ but it rose by 5% YoY
The P/E is 33% above the 5-year quarterly average of 8.1 and 8% above the last 4 quarters average of 10.0
Key stats
What are the main financial stats of CZWI
Market
Valuations
Earnings
Shares outstanding
9.99M
Market cap
$144.15M
Enterprise value
$160.58M
Price to earnings (P/E)
10.77
Price to book (P/B)
0.81
Price to sales (P/S)
2.42
EV/EBIT
9.2
EV/EBITDA
7.9
EV/Sales
2.69
Revenue
$59.76M
Gross profit
$59.76M
Operating income
$17.45M
Net income
$13.75M
EBIT
$17.45M
EBITDA
$20.34M
Free cash flow
$19.3M
Per share
Balance sheet
Liquidity
EPS
$1.34
EPS diluted
$1.34
Free cash flow per share
$1.92
Book value per share
$17.85
Revenue per share
$5.96
TBVPS
$171.02
Total assets
$1.75B
Total liabilities
$1.57B
Debt
$66.61M
Equity
$179.08M
Working capital
N/A
Debt to equity
0.37
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.81
Margins
Efficiency
Dividend
EBITDA margin
34%
Gross margin
100%
Net margin
23%
Operating margin
29.2%
Return on assets
0.8%
Return on equity
7.8%
Return on invested capital
1%
Return on capital employed
N/A
Return on sales
29.2%
Dividend yield
2.49%
DPS
$0.36
Payout ratio
26.9%
CZWI stock price
How has the Citizens Community Bancorp stock price performed over time
Intraday
5.02%
1 week
8.66%
1 month
-0.89%
1 year
37.04%
YTD
-11.42%
QTD
0.35%
Financial performance
How have Citizens Community Bancorp's revenue and profit performed over time
Revenue
$59.76M
Gross profit
$59.76M
Operating income
$17.45M
Net income
$13.75M
Gross margin
100%
Net margin
23%
The operating margin has contracted by 9% YoY and by 6% from the previous quarter
The operating income has contracted by 8% YoY and by 7% from the previous quarter
The net income fell by 7% QoQ but it rose by 5% YoY
CZWI's net margin is down by 6% since the previous quarter but it is up by 4.1% year-on-year
Growth
What is Citizens Community Bancorp's growth rate over time
Valuation
What is Citizens Community Bancorp stock price valuation
P/E
10.77
P/B
0.81
P/S
2.42
EV/EBIT
9.2
EV/EBITDA
7.9
EV/Sales
2.69
The P/E is 33% above the 5-year quarterly average of 8.1 and 8% above the last 4 quarters average of 10.0
Citizens Community Bancorp's EPS has increased by 7% YoY but it has decreased by 6% QoQ
The equity has grown by 3.3% YoY
The P/S is 21% above the 5-year quarterly average of 2.0 and 5% above the last 4 quarters average of 2.3
Efficiency
How efficient is Citizens Community Bancorp business performance
Citizens Community Bancorp's ROA has increased by 14% YoY
Citizens Community Bancorp's return on sales has decreased by 9% YoY and by 6% QoQ
The company's return on equity fell by 7% QoQ
Dividends
What is CZWI's dividend history
DPS
$0.36
Dividend yield
2.49%
Payout ratio
26.9%
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 6% YoY and by 3.1% from the previous quarter
Citizens Community Bancorp's total assets has decreased by 6% YoY and by 2.8% QoQ
CZWI's debt is 63% smaller than its equity
CZWI's debt to equity has dropped by 56% year-on-year and by 20% since the previous quarter
CZWI's debt has dropped by 55% year-on-year and by 19% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.