CZWI Citizens Community Bancorp Inc
- Stocks
- Financial Services
- NASDAQ: CZWI
Price (delayed)
$15.74
Market cap
$155.36M
P/E Ratio
12.69
Dividend/share
$0.36
EPS
$1.24
Enterprise value
$149.63M
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 34% year-on-year
The equity has grown by 4.2% YoY
The P/E is 51% above the 5-year quarterly average of 8.4 and 13% above the last 4 quarters average of 11.2
The net income fell by 11% YoY and by 3.1% QoQ
Key stats
What are the main financial stats of CZWI
Market
Valuations
Earnings
Shares outstanding
9.87M
Market cap
$155.36M
Enterprise value
$149.63M
Price to earnings (P/E)
12.69
Price to book (P/B)
0.86
Price to sales (P/S)
2.71
EV/EBIT
9.61
EV/EBITDA
8.14
EV/Sales
2.58
Revenue
$58.01M
Gross profit
$58.01M
Operating income
$15.56M
Net income
$12.46M
EBIT
$15.56M
EBITDA
$18.38M
Free cash flow
$6.57M
Per share
Balance sheet
Liquidity
EPS
$1.24
EPS diluted
$1.24
Free cash flow per share
$0.66
Book value per share
$18.37
Revenue per share
$5.81
TBVPS
$170.49
Total assets
$1.74B
Total liabilities
$1.55B
Debt
$61.72M
Equity
$183.46M
Working capital
N/A
Debt to equity
0.34
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-0.31
Margins
Efficiency
Dividend
EBITDA margin
31.7%
Gross margin
100%
Net margin
21.5%
Operating margin
26.8%
Return on assets
0.7%
Return on equity
6.9%
Return on invested capital
0.9%
Return on capital employed
N/A
Return on sales
26.8%
Dividend yield
2.29%
DPS
$0.36
Payout ratio
29%
CZWI stock price
How has the Citizens Community Bancorp stock price performed over time
Intraday
4.24%
1 week
3.89%
1 month
4.52%
1 year
28.91%
YTD
-3.38%
QTD
14.06%
Financial performance
How have Citizens Community Bancorp's revenue and profit performed over time
Revenue
$58.01M
Gross profit
$58.01M
Operating income
$15.56M
Net income
$12.46M
Gross margin
100%
Net margin
21.5%
The operating income has contracted by 21% YoY and by 4.1% from the previous quarter
The operating margin has contracted by 17% YoY and by 3.9% from the previous quarter
The net income fell by 11% YoY and by 3.1% QoQ
CZWI's net margin is down by 6% year-on-year and by 2.7% 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
12.69
P/B
0.86
P/S
2.71
EV/EBIT
9.61
EV/EBITDA
8.14
EV/Sales
2.58
The P/E is 51% above the 5-year quarterly average of 8.4 and 13% above the last 4 quarters average of 11.2
Citizens Community Bancorp's EPS has decreased by 7% YoY
CZWI's P/B is 8% above its 5-year quarterly average of 0.8 and 8% above its last 4 quarters average of 0.8
The equity has grown by 4.2% YoY
The P/S is 29% above the 5-year quarterly average of 2.1 and 8% above the last 4 quarters average of 2.5
The company's revenue fell by 4.7% YoY
Efficiency
How efficient is Citizens Community Bancorp business performance
Citizens Community Bancorp's return on sales has decreased by 17% YoY and by 3.9% QoQ
The company's return on equity fell by 15% YoY and by 4.2% QoQ
Citizens Community Bancorp's ROA has decreased by 13% YoY
The ROIC has contracted by 10% YoY
Dividends
What is CZWI's dividend history
DPS
$0.36
Dividend yield
2.29%
Payout ratio
29%
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 contracted by 4.6% YoY and by 3% from the previous quarter
Citizens Community Bancorp's total assets has decreased by 3.7% YoY and by 2.5% QoQ
CZWI's debt is 66% smaller than its equity
CZWI's debt to equity is down by 36% year-on-year
CZWI's debt is down by 34% year-on-year
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.