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Citizens Community Bancorp, Inc. (CZWI)

Stock Price: $9.06 USD 0.07 (0.78%)
Updated November 24, 4:00 PM EST - Market closed

Stock Price Chart

Key Info

Market Cap 101.06M
Revenue (ttm) 59.47M
Net Income (ttm) 12.32M
Shares Out 11.15M
EPS (ttm) 1.10
PE Ratio 8.24
Forward PE 7.69
Dividend $0.21
Dividend Yield 2.32%

Stock Quote

Trading Day November 24
Last Price $9.06
Previous Close $8.99
Change ($) 0.07
Change (%) 0.78%
Day's Open 8.97
Day's Range 8.88 - 9.09
Day's Volume 4,216
52-Week Range 5.26 - 12.75

More Stats

Market Cap 101.06M
Enterprise Value 164.62M
Earnings Date (est) Jan 22, 2021
Ex-Dividend Date n/a
Shares Outstanding 11.15M
Float 10.52M
EPS (basic) 1.10
EPS (diluted) 1.10
FCF / Share 1.78
Dividend $0.21
Dividend Yield 2.32%
Earnings Yield 12.14%
FCF Yield 19.63%
Payout Ratio 19.10%
Shares Short 2,462
Short Ratio 0.21
Short % of Float 0.02%
Beta 1.04
PE Ratio 8.24
Forward PE 7.69
P/FCF Ratio 5.10
PS Ratio 1.70
PB Ratio 0.59
Revenue 59.47M
Operating Income 16.20M
Net Income 12.32M
Free Cash Flow 19.83M
Net Cash -63.56M
Net Cash / Share -5.70
Gross Margin 92.33%
Operating Margin 27.23%
Profit Margin 20.70%
FCF Margin 33.35%
ROA 0.80%
ROE 8.07%
ROIC 1.00%
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Forecasts

Analyst Ratings (3)

Buy 2
Overweight 0
Hold 1
Underweight 0
Sell 0

Analyst Consensus: Buy

Price Target

$9.33*
(2.98% upside)
Low
8.50
Current: $9.06
High
10.00
Target: 9.33
*Average 12-month price target from 3 stock analysts.

Financial Performance

Financial numbers in millions USD.

Financial Overview

Year2019201820172016201520142013201220112010
Revenue54.9611.6226.7023.9221.8221.2619.1717.7317.608.92
Revenue Growth373.17%-56.49%11.64%9.6%2.63%10.92%8.15%0.69%97.27%-
Gross Profit54.9611.6226.7023.9221.8221.2619.1717.7317.608.92
Operating Income12.281.823.823.864.422.831.680.370.33-8.05
Net Income9.461.262.502.572.811.781.050.210.19-7.09
Shares Outstanding11.2710.955.285.255.235.175.155.145.125.11
Earnings Per Share0.850.120.460.490.540.340.200.040.04-1.39
EPS Growth608.33%-73.91%-6.12%-9.26%58.82%70%400%0%--
Dividend Per Share0.200.200.160.120.080.040.02---
Dividend Growth0%25%33.33%50%100%100%----
Operating Cash Flow12.843.821.915.705.787.846.749.0810.015.84
Capital Expenditures-6.47-0.59-0.59-0.96-0.33-0.33-0.55-0.01-0.58-0.31
Free Cash Flow6.373.231.334.745.457.516.199.079.435.53
Cash & Equivalents60.5853.2449.8310.7926.8611.6819.5923.2641.3172.44
Total Debt17513412070.2958.8958.8950.0049.2530.4064.20
Net Cash / Debt-114-81.22-70.49-59.50-32.03-47.21-30.41-25.9910.918.24
Assets1,5311,288941696580570555530537594
Liabilities1,3811,150867631519513500475484544
Book Value15113873.4864.5461.4557.2954.1955.1052.8949.88
Numbers in millions USD, except per-share numbers.

Company Profile

Company Details

Full Name Citizens Community Bancorp, Inc.
Country United States
Employees 261
CEO Stephen M. Bianchi

Stock Information

Ticker Symbol CZWI
Stock Exchange NASDAQ
Sector Financial Services
Industry Banks—Regional
Unique Identifier NASDAQ: CZWI

Description

Citizens Community Bancorp operates as a bank holding company for Citizens Community Federal N.A. that provides various consumer, commercial, and agricultural banking products and services in Wisconsin and Minnesota. It accepts various deposit products, including demand and time deposits, savings and money market accounts, and certificates of deposit. The company also offers various loan products, such as commercial real estate, agricultural real estate and non-real estate, commercial and industrial, and consumer loans, as well as one-to-four family residential mortgages and home equity line-of-credit facilities. In addition, it provides a portfolio of investments, such as U.S. government sponsored agency securities, corporate debt and asset based securities, trust preferred securities, and mortgage-backed securities. Further, the company offers Internet and mobile banking, electronic bill pay, and remote deposit capture services. As of October 27, 2020, it operated through a network of 28 branch locations. The company was founded in 1938 and is based in Eau Claire, Wisconsin.