Citizens Community Bancorp Inc.
Datakwaliteit: 83%
CZWI
Nasdaq
Financial Services
Depository Institutions
€ 20,78
▼
€ 0,07
(-0,34%)
Marktkapitalisatie: 200,08 M
Prijs
€ 20,78
Marktkapitalisatie
200,08 M
Dagbereik
€ 20,65 — € 20,90
52-Weeksbereik
€ 12,69 — € 20,90
Volume
18.775
Openen € 20,73
50D / 200D Gem.
€ 18,60
11,73% above
50D / 200D Gem.
€ 16,82
23,52% above
Quick Summary
Belangrijkste Punten
Generating 10,38 M in free cash flow
P/E of 13,88 — trading at a low valuation
Groei
Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)4,87%
FCF Growth (3Y)-6,03%
Kwaliteit
Return on Equity
7,79%
Onder sectorgemiddelde (9,24%)
ROICN/A
Net MarginN/A
Op. MarginN/A
Veiligheid
Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A
Waardering
PE (TTM)
13,88
Boven sectorgemiddelde (11,15)
P/B Ratio1,07
EV/EBITDAN/A
Dividend YieldN/A
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (2151 peers)
Sectorvergelijking
vs Financial Services sector mediaan (2151 peers)| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 13,9 | 11,2 |
| P/B | 1,1 | 1,2 |
| ROE % | 7,8 | 9,2 |
| Net Margin % | — | 9,4 |
| Rev Growth 5Y % | — | 5,8 |
| D/E | — | 0,5 |
All Fundamental Metrics
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
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
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 | — | — | — | — | — |
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