CZWI Citizens Community Bancorp Inc
Price (delayed)
$15.32
Market cap
$153.72M
P/E Ratio
10.79
Dividend/share
$0.36
EPS
$1.42
Enterprise value
$199.64M
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 11% since the previous quarter
The equity has grown by 9% YoY and by 2.3% from the previous quarter
The P/E is 38% above the 5-year quarterly average of 7.8 and 16% above the last 4 quarters average of 9.3
Key stats
What are the main financial stats of CZWI
Market
Valuations
Earnings
Shares outstanding
10.03M
Market cap
$153.72M
Enterprise value
$199.64M
Price to earnings (P/E)
10.79
Price to book (P/B)
0.88
Price to sales (P/S)
2.61
EV/EBIT
10.64
EV/EBITDA
9.2
EV/Sales
3.3
Revenue
$60.47M
Gross profit
$60.47M
Operating income
$18.76M
Net income
$14.74M
EBIT
$18.76M
EBITDA
$21.71M
Free cash flow
$20.3M
Per share
Balance sheet
Liquidity
EPS
$1.42
EPS diluted
$1.42
Free cash flow per share
$1.97
Book value per share
$17.49
Revenue per share
$5.87
TBVPS
$171.55
Total assets
$1.8B
Total liabilities
$1.62B
Debt
$82.55M
Equity
$180.15M
Working capital
N/A
Debt to equity
0.46
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.12
Margins
Efficiency
Dividend
EBITDA margin
35.9%
Gross margin
100%
Net margin
24.4%
Operating margin
31%
Return on assets
0.8%
Return on equity
8.4%
Return on invested capital
1%
Return on capital employed
N/A
Return on sales
31%
Dividend yield
2.35%
DPS
$0.36
Payout ratio
25.4%
CZWI stock price
How has the Citizens Community Bancorp stock price performed over time
Intraday
-0.84%
1 week
-2.11%
1 month
-4.79%
1 year
27.45%
YTD
-5.95%
QTD
-5.95%
Financial performance
How have Citizens Community Bancorp's revenue and profit performed over time
Revenue
$60.47M
Gross profit
$60.47M
Operating income
$18.76M
Net income
$14.74M
Gross margin
100%
Net margin
24.4%
The operating income has contracted by 9% YoY and by 4.4% from the previous quarter
The operating margin has contracted by 8% YoY and by 3.7% from the previous quarter
CZWI's net margin is up by 7% since the previous quarter and by 6% year-on-year
The net income rose by 6% QoQ and by 4.8% YoY
Growth
What is Citizens Community Bancorp's growth rate over time
Valuation
What is Citizens Community Bancorp stock price valuation
P/E
10.79
P/B
0.88
P/S
2.61
EV/EBIT
10.64
EV/EBITDA
9.2
EV/Sales
3.3
The P/E is 38% above the 5-year quarterly average of 7.8 and 16% above the last 4 quarters average of 9.3
Citizens Community Bancorp's EPS has increased by 6% QoQ and by 5% YoY
CZWI's P/B is 26% above its 5-year quarterly average of 0.7 and 26% above its last 4 quarters average of 0.7
The equity has grown by 9% YoY and by 2.3% from the previous quarter
The P/S is 37% above the 5-year quarterly average of 1.9 and 24% above the last 4 quarters average of 2.1
Efficiency
How efficient is Citizens Community Bancorp business performance
Citizens Community Bancorp's return on sales has decreased by 8% YoY and by 3.7% QoQ
The company's return on equity rose by 3.7% QoQ
Dividends
What is CZWI's dividend history
DPS
$0.36
Dividend yield
2.35%
Payout ratio
25.4%
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
CZWI's debt is 54% smaller than its equity
CZWI's debt to equity has dropped by 58% year-on-year and by 13% since the previous quarter
CZWI's debt has dropped by 55% year-on-year and by 11% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.