Citizens Community Bancorp, Inc. (CZWI)
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% |
Analyst Summary
Analyst Consensus: Buy
Financial Performance
Financial Overview
| Year | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 54.96 | 11.62 | 26.70 | 23.92 | 21.82 | 21.26 | 19.17 | 17.73 | 17.60 | 8.92 |
| Revenue Growth | 373.17% | -56.49% | 11.64% | 9.6% | 2.63% | 10.92% | 8.15% | 0.69% | 97.27% | - |
| Gross Profit | 54.96 | 11.62 | 26.70 | 23.92 | 21.82 | 21.26 | 19.17 | 17.73 | 17.60 | 8.92 |
| Operating Income | 12.28 | 1.82 | 3.82 | 3.86 | 4.42 | 2.83 | 1.68 | 0.37 | 0.33 | -8.05 |
| Net Income | 9.46 | 1.26 | 2.50 | 2.57 | 2.81 | 1.78 | 1.05 | 0.21 | 0.19 | -7.09 |
| Shares Outstanding | 11.27 | 10.95 | 5.28 | 5.25 | 5.23 | 5.17 | 5.15 | 5.14 | 5.12 | 5.11 |
| Earnings Per Share | 0.85 | 0.12 | 0.46 | 0.49 | 0.54 | 0.34 | 0.20 | 0.04 | 0.04 | -1.39 |
| EPS Growth | 608.33% | -73.91% | -6.12% | -9.26% | 58.82% | 70% | 400% | 0% | - | - |
| Dividend Per Share | 0.20 | 0.20 | 0.16 | 0.12 | 0.08 | 0.04 | 0.02 | - | - | - |
| Dividend Growth | 0% | 25% | 33.33% | 50% | 100% | 100% | - | - | - | - |
| Operating Cash Flow | 12.84 | 3.82 | 1.91 | 5.70 | 5.78 | 7.84 | 6.74 | 9.08 | 10.01 | 5.84 |
| Capital Expenditures | -6.47 | -0.59 | -0.59 | -0.96 | -0.33 | -0.33 | -0.55 | -0.01 | -0.58 | -0.31 |
| Free Cash Flow | 6.37 | 3.23 | 1.33 | 4.74 | 5.45 | 7.51 | 6.19 | 9.07 | 9.43 | 5.53 |
| Cash & Equivalents | 60.58 | 53.24 | 49.83 | 10.79 | 26.86 | 11.68 | 19.59 | 23.26 | 41.31 | 72.44 |
| Total Debt | 175 | 134 | 120 | 70.29 | 58.89 | 58.89 | 50.00 | 49.25 | 30.40 | 64.20 |
| Net Cash / Debt | -114 | -81.22 | -70.49 | -59.50 | -32.03 | -47.21 | -30.41 | -25.99 | 10.91 | 8.24 |
| Assets | 1,531 | 1,288 | 941 | 696 | 580 | 570 | 555 | 530 | 537 | 594 |
| Liabilities | 1,381 | 1,150 | 867 | 631 | 519 | 513 | 500 | 475 | 484 | 544 |
| Book Value | 151 | 138 | 73.48 | 64.54 | 61.45 | 57.29 | 54.19 | 55.10 | 52.89 | 49.88 |
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.