CZWI Citizens Community Bancorp Inc

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

Price (delayed)

$8.56

Market cap

$89.75M

P/E Ratio

5.38

Dividend/share

$0.29

EPS

$1.59

Enterprise value

$274.28M

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
The P/E is 71% below the 5-year quarterly average of 18.3 and 22% below the last 4 quarters average of 6.9
CZWI's debt is up by 45% year-on-year and by 16% since the previous quarter
Citizens Community Bancorp's EPS has decreased by 18% YoY and by 6% QoQ
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.ccf.us
Peers: HMNF WBS

Key stats

What are the main financial stats of CZWI
Market
Shares outstanding
10.48M
Market cap
$89.75M
Enterprise value
$274.28M
Valuations
Price to earnings (P/E)
5.38
Price to book (P/B)
0.55
Price to sales (P/S)
1.39
EV/EBIT
12.31
EV/EBITDA
10.58
EV/Sales
4.25
Earnings
Revenue
$64.48M
EBIT
$22.29M
EBITDA
$25.93M
Free cash flow
$19.15M
Per share
EPS
$1.59
Free cash flow per share
$1.83
Book value per share
$15.7
Revenue per share
$6.15
TBVPS
$174.28
Balance sheet
Total assets
$1.86B
Total liabilities
$1.7B
Debt
$249.83M
Equity
$164.56M
Working capital
N/A
Liquidity
Debt to equity
1.52
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
7.12
Margins
EBITDA margin
40.2%
Gross margin
100%
Net margin
25.9%
Operating margin
34.6%
Efficiency
Return on assets
0.9%
Return on equity
10.1%
Return on invested capital
1.2%
Return on capital employed
N/A
Return on sales
34.6%
Dividend
Dividend yield
3.39%
DPS
$0.29
Payout ratio
18.2%

CZWI stock price

How has the Citizens Community Bancorp stock price performed over time
Intraday
0.82%
1 week
4.78%
1 month
-13.1%
1 year
-32.12%
YTD
-28.84%
QTD
-19.32%

Financial performance

How have Citizens Community Bancorp's revenue and profit performed over time
Revenue
$64.48M
Gross profit
$64.48M
Operating income
$22.29M
Net income
$16.72M
Gross margin
100%
Net margin
25.9%
The operating income has contracted by 20% YoY and by 5% from the previous quarter
The net income fell by 18% YoY and by 6% QoQ
The operating margin has contracted by 15% YoY and by 4.2% from the previous quarter
CZWI's net margin is down by 13% year-on-year and by 4.8% since 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
5.38
P/B
0.55
P/S
1.39
EV/EBIT
12.31
EV/EBITDA
10.58
EV/Sales
4.25
The P/E is 71% below the 5-year quarterly average of 18.3 and 22% below the last 4 quarters average of 6.9
Citizens Community Bancorp's EPS has decreased by 18% YoY and by 6% QoQ
CZWI's P/B is 31% below its 5-year quarterly average of 0.8 and 31% below its last 4 quarters average of 0.8
The P/S is 55% below the 5-year quarterly average of 3.1 and 27% below the last 4 quarters average of 1.9
The company's revenue fell by 6% YoY

Efficiency

How efficient is Citizens Community Bancorp business performance
Citizens Community Bancorp's ROA has decreased by 25% YoY and by 10% from the previous quarter
The ROIC has contracted by 20% YoY
The company's return on equity fell by 18% YoY and by 6% QoQ
Citizens Community Bancorp's return on sales has decreased by 15% YoY and by 4.2% QoQ

Dividends

What is CZWI's dividend history
Dividend details
DPS
$0.29
Dividend yield
3.39%
Payout ratio
18.2%
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
The total liabilities has grown by 5% YoY and by 2.8% from the previous quarter
Citizens Community Bancorp's total assets has increased by 4.8% YoY and by 2.4% QoQ
CZWI's debt is 52% greater than its equity
CZWI's debt to equity is up by 46% year-on-year and by 18% since the previous quarter
CZWI's debt is up by 45% year-on-year and by 16% since the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.