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Citizens Community Bancorp Inc.

Qualité des données : 83%
CZWI
Nasdaq Financial Services Depository Institutions
20,68 €
▼ 0,09 € (-0,43%)
Cap. Boursière: 200,08 M
Prix
20,78 €
Cap. Boursière
200,08 M
Fourchette du Jour
—
Fourchette 52 Semaines
—
Volume
—
Ouverture —
Moyenne 50J / 200J
—
Moyenne 50J / 200J
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Quick Summary

Points Clés

Generating 10,38 M in free cash flow
P/E of 13,88 — trading at a low valuation

Croissance

Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)4,87%
FCF Growth (3Y)-6,03%

Qualité

Return on Equity
7,79%
En dessous de la moyenne du secteur (9,24%)
ROICN/A
Net MarginN/A
Op. MarginN/A

Sécurité

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

Valorisation

PE (TTM|2027)
13,88 | 9,83
Au-dessus de la moyenne du secteur (11,14)
P/B Ratio1,07
EV/EBITDAN/A
Dividend YieldN/A

Historique des Prix

Tendances Financières

Comparaison Sectorielle

vs médiane du secteur Financial Services (2607 pairs)
Métrique Action Médiane du Secteur
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

Objectif de Cours des Analystes

2 analystes
Buy
Actuel
20,68 €
+2.8%
Objectif
21,25 €
21,00 €
21,25 €
21,50 €
Prévisions
P/E Prévisionnel 9,78
BPA Prévisionnel 2,12 €
Croissance BPA (est.) +20,9%
CA Est. 73,20 M

Estimations de Bénéfices

Période BPA Est. CA Est. Analystes
FY2027 2,12 €
2,10 € – 2,13 €
 73,20 M 2
FY2026 1,75 €
1,75 € – 1,75 €
 66,90 M 2

Surprises de Résultats

Derniers 4 trimestres
Trimestre BPA Est. BPA Réel Surprise
Q42025 0,40 € 0,44 € +11,4%
Q32025 0,37 € 0,37 € 0,0%
Q22025 0,29 € 0,33 € +13,8%
Q12025 0,27 € 0,32 € +20,8%

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 — — — — —