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Citizens Community Bancorp Inc.

Data quality: 83%
CZWI
Nasdaq Financial Services Depository Institutions
$20.68
▼ $0.09 (-0.43%)
Mkt Cap: 200.08 M
Price
$20.78
Mkt Cap
200.08 M
Day Range
—
52-Week Range
—
Volume
—
Open —
50D / 200D Avg
—
50D / 200D Avg
—

Quick Summary

Key Takeaways

Generating 10.38 M in free cash flow
P/E of 13.88 — trading at a low valuation

Growth

Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)4.87%
FCF Growth (3Y)-6.03%

Quality

Return on Equity
7.79%
Below sector avg (9.24%)
ROICN/A
Net MarginN/A
Op. MarginN/A

Safety

Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
13.88
Above sector avg (11.15)
P/B Ratio1.07
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2180 peers)
Metric Stock Sector Median
P/E 13.9 11.1
P/B 1.1 1.2
ROE % 7.8 9.2
Net Margin % — 9.4
Rev Growth 5Y % — 5.8
D/E — 0.5

ETFs Holding This Stock

BRUSX BRUSX
0.52% weight
BRSIX BRSIX
0.27% weight
BOSVX BOSVX
0.07% weight
BSVO logo BSVO EA Bridgeway Omni Small-Cap Value ETF
0.06% weight
GSMRX GSMRX
0.02% weight
GMSMX GMSMX
0.02% weight
GISMX GISMX
0.02% weight

All Fundamental Metrics
Growth
Revenue Growth (1Y) N/A Revenue Growth (3Y) N/A
Earnings Growth (1Y) 4.87% Earnings Growth (3Y) 5.08%
Revenue Growth (5Y) N/A Earnings Growth (5Y) -9.26%
Profitability
Revenue (TTM) N/A Net Income (TTM) 14.42 M
ROE 7.79% ROA 0.83%
Gross Margin N/A Operating Margin N/A
Net Margin N/A Free Cash Flow (TTM) 10.38 M
ROIC N/A FCF Growth (3Y) -6.03%
Safety
Debt / Equity N/A Current Ratio N/A
Interest Coverage N/A Asset Turnover N/A
Working Capital N/A Tangible Book Value 154.81 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 13.88 Forward P/E N/A
P/B Ratio 1.07 P/S Ratio N/A
PEG Ratio N/A Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 5.19%
Market Cap 200.08 M Enterprise Value 117.65 M
Per Share
EPS (Diluted TTM) 1.46 Revenue / Share N/A
FCF / Share 1.08 OCF / Share 1.21
EPS CAGR (1Y) 8.96% EPS CAGR (5Y) -7.33%
EPS CAGR (10Y) 12.90%
Efficiency
CapEx / Revenue N/A FCF Conversion 72.00%
SBC-Adj. FCF N/A Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue — — — — —
Net Income 14.42 M 13.75 M 13.06 M 17.76 M 21.27 M
EPS (Diluted) 1.46 1.34 1.25 1.69 1.98
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A — — — — —
Interest Expense 51.18 M 46.47 M 35.90 M 13.03 M 10.37 M
Income Tax 3.02 M 3.70 M 5.87 M 5.82 M 7.69 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 1.78 B 1.75 B 1.85 B 1.82 B 1.74 B
Total Liabilities 1.59 B 1.57 B 1.68 B 1.65 B 1.57 B
Shareholders' Equity 187.94 M 179.08 M 173.33 M 167.09 M 170.87 M
Total Debt 51.80 M — — — —
Cash & Equivalents 118.85 M 50.17 M 37.14 M 35.36 M 47.69 M
Current Assets — — — — —
Current Liabilities — — — — —