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Citizens Community Bancorp, Inc. (CZWI)

Stock Price: $6.75 USD -0.05 (-0.74%)
Updated Aug 7, 2020 4:00 PM EDT - Market closed

Stock Price Chart

Key Info

Market Cap 75.27M
Revenue (ttm) 56.21M
Net Income (ttm) 10.08M
Shares Out 11.15M
EPS (ttm) 0.90
PE Ratio 7.50
Forward PE 7.59
Dividend $0.21
Dividend Yield 3.11%

Stock Quote

Trading Day Aug 7, 2020
Last Price $6.75
Previous Close $6.80
Change ($) -0.05
Change (%) -0.74%
Day's Open 6.76
Day's Range 6.65 - 6.80
Day's Volume 4,471
52-Week Range 5.26 - 12.75

More Stats

Market Cap 75.27M
Enterprise Value 200.01M
Earnings Date (est) Jan 22, 2021
Ex-Dividend Date n/a
Shares Outstanding 11.15M
Float 8.96M
EPS (basic) 0.9
EPS (diluted) 0.90
FCF / Share 1.28
Dividend $0.21
Dividend Yield 3.11%
Earnings Yield 13.33%
FCF Yield 18.90%
Payout Ratio 23.30%
Shares Short 2,877
Short Ratio 0.14
Short % of Float 0.01%
Beta 1.01
PE Ratio 7.50
Forward PE 7.59
P/FCF Ratio 5.29
PS Ratio 1.34
PB Ratio 0.50
Revenue 56.21M
Operating Income 13.11M
Net Income 10.08M
Free Cash Flow 14.23M
Net Cash -124.75M
Net Cash / Share -11.19
Gross Margin 93.70%
Operating Margin 23.33%
Profit Margin 17.20%
FCF Margin 25.31%
ROA 0.68%
ROE 6.81%
ROIC 0.80%
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Summary

Analyst Ratings (3)

Buy 2
Overweight 0
Hold 1
Underweight 0
Sell 0

Analyst Consensus: Buy

Price Target

$8.83*
(30.81% upside)
Low
7.50
Current: $6.75
High
10.00
Target: 8.83
*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, Inc. operates as a holding company for Citizens Community Federal N.A. that provides various consumer, commercial, and agricultural banking products and services in Wisconsin, Minnesota, and Michigan. It accepts various deposit products, including demand 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 lines-of-credit facilities. In addition, it provides a portfolio of investments, such as U.S. government sponsored agency securities, bonds and other obligations issued by states and their political subdivisions, and mortgage-backed securities. Further, the company offers Internet and mobile banking services. As of December 31, 2018, it operated through a network of 27 full-service branches. The company was founded in 1938 and is based in Eau Claire, Wisconsin.