CZWI Citizens Community Bancorp Inc

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

Price (delayed)

$11.27

Market cap

$117.85M

P/E Ratio

9.02

Dividend/share

$0.32

EPS

$1.25

Enterprise value

$227.71M

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 32% year-on-year and by 19% since the previous quarter
The equity has grown by 4.8% from the previous quarter and by 3.7% YoY
The P/E is 25% below the 5-year quarterly average of 12.1 but 24% above the last 4 quarters average of 7.3
The net income fell by 26% YoY and by 7% QoQ
Citizens Community Bancorp's EPS has decreased by 26% YoY and by 7% QoQ
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.ccf.us
Peers: HMNF NYCB

Key stats

What are the main financial stats of CZWI
Market
Shares outstanding
10.46M
Market cap
$117.85M
Enterprise value
$227.71M
Valuations
Price to earnings (P/E)
9.02
Price to book (P/B)
0.68
Price to sales (P/S)
2
EV/EBIT
12.03
EV/EBITDA
10.32
EV/Sales
3.85
Earnings
Revenue
$59.07M
EBIT
$18.93M
EBITDA
$22.06M
Free cash flow
$11.77M
Per share
EPS
$1.25
Free cash flow per share
$1.12
Book value per share
$16.56
Revenue per share
$5.64
TBVPS
$173.69
Balance sheet
Total assets
$1.85B
Total liabilities
$1.68B
Debt
$147M
Equity
$173.33M
Working capital
N/A
Liquidity
Debt to equity
0.85
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
4.98
Margins
EBITDA margin
37.3%
Gross margin
100%
Net margin
22.1%
Operating margin
32%
Efficiency
Return on assets
0.7%
Return on equity
7.8%
Return on invested capital
1%
Return on capital employed
N/A
Return on sales
32%
Dividend
Dividend yield
2.84%
DPS
$0.32
Payout ratio
25.6%

CZWI stock price

How has the Citizens Community Bancorp stock price performed over time
Intraday
2.92%
1 week
2.45%
1 month
-3.92%
1 year
28.65%
YTD
-3.76%
QTD
-7.24%

Financial performance

How have Citizens Community Bancorp's revenue and profit performed over time
Revenue
$59.07M
Gross profit
$59.07M
Operating income
$18.93M
Net income
$13.06M
Gross margin
100%
Net margin
22.1%
The net income fell by 26% YoY and by 7% QoQ
The operating income has contracted by 20% YoY and by 8% from the previous quarter
CZWI's net margin is down by 19% year-on-year and by 4.3% since the previous quarter
The operating margin has contracted by 11% YoY and by 5% from the previous quarter

Growth

What is Citizens Community Bancorp's growth rate over time

Valuation

What is Citizens Community Bancorp stock price valuation
P/E
9.02
P/B
0.68
P/S
2
EV/EBIT
12.03
EV/EBITDA
10.32
EV/Sales
3.85
Citizens Community Bancorp's EPS has decreased by 26% YoY and by 7% QoQ
The P/E is 25% below the 5-year quarterly average of 12.1 but 24% above the last 4 quarters average of 7.3
CZWI's P/B is 13% above its last 4 quarters average of 0.6 but 2.9% below its 5-year quarterly average of 0.7
The equity has grown by 4.8% from the previous quarter and by 3.7% YoY
The P/S is 18% above the last 4 quarters average of 1.7 but 13% below the 5-year quarterly average of 2.3
The company's revenue fell by 10% YoY and by 2.9% QoQ

Efficiency

How efficient is Citizens Community Bancorp business performance
Citizens Community Bancorp's ROA has decreased by 30% YoY and by 13% from the previous quarter
The company's return on equity fell by 28% YoY and by 8% QoQ
The ROIC has contracted by 17% YoY
Citizens Community Bancorp's return on sales has decreased by 11% YoY and by 5% QoQ

Dividends

What is CZWI's dividend history
Dividend details
DPS
$0.32
Dividend yield
2.84%
Payout ratio
25.6%
Recent dividends

Financial health

How did Citizens Community Bancorp financials performed over time
Citizens Community Bancorp's total assets is 10% higher than its total liabilities
CZWI's debt is 15% smaller than its equity
CZWI's debt to equity is down by 34% year-on-year and by 23% since the previous quarter
CZWI's debt is down by 32% 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.