CZWI Citizens Community Bancorp Inc

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

Price (delayed)

$20.51

Market cap

$197.8M

P/E Ratio

13.41

Dividend/share

$0.21

EPS

$1.53

Enterprise value

$100.44M

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Relative Growth: Rel. Growth: 51
Relative Strength: Rel. Strength: 72
Relative Valuation: Rel. Valuation: 84
Relative Profitability: Rel. Profitability: 77

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
Citizens Community Bancorp's EPS has increased by 21% YoY and by 4.8% QoQ
CZWI's debt is down by 16% year-on-year
The P/E is 54% above the 5-year quarterly average of 9.1 and 15% above the last 4 quarters average of 12.2
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
-4.05%
1 week
-0.73%
1 month
-1.63%
1 year
41.64%
YTD
15.1%
QTD
3.59%

Financial performance

How have Citizens Community Bancorp's revenue and profit performed over time
Revenue
$61.3M
Gross profit
$61.3M
Operating income
$18.1M
Net income
$14.98M
Gross margin
100%
Net margin
24.4%
The net income rose by 16% YoY and by 3.9% QoQ
The operating income has grown by 12% YoY and by 3.8% from the previous quarter
CZWI's net margin is up by 10% year-on-year and by 2.1% since the previous quarter
The operating margin has grown by 6% YoY and by 2.1% from 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
CZWI P/E details
P/E
13.41
P/B
1.03
P/S
3.22
EV/EBIT
5.55
EV/EBITDA
4.88
EV/Sales
1.64
The P/E is 54% above the 5-year quarterly average of 9.1 and 15% above the last 4 quarters average of 12.2
Citizens Community Bancorp's EPS has increased by 21% YoY and by 4.8% QoQ
CZWI's P/B is 35% above its 5-year quarterly average of 0.8 and 20% above its last 4 quarters average of 0.9
The equity has grown by 6% YoY
The P/S is 53% above the 5-year quarterly average of 2.2 and 20% above the last 4 quarters average of 2.8
The company's revenue rose by 5% YoY

Efficiency

How efficient is Citizens Community Bancorp business performance
The ROIC has grown by 22% YoY and by 10% from the previous quarter
Citizens Community Bancorp's ROA has increased by 14% YoY
The company's return on equity rose by 11% YoY and by 2.6% QoQ
Citizens Community Bancorp's return on sales has increased by 6% YoY and by 2.1% QoQ

Dividends

What is CZWI's dividend history
Dividend details
DPS
$0.21
Dividend yield
1.02%
Payout ratio
13.7%
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
The total liabilities has grown by 2.4% from the previous quarter and by 2% YoY
Citizens Community Bancorp's total assets has increased by 2.4% YoY and by 2.3% QoQ
CZWI's debt is 73% smaller than its equity
CZWI's debt to equity is down by 21% year-on-year and by 3.6% since the previous quarter
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.