Citizens Community Bancorp, Inc. (CZWI)

CZWI Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Oct 7, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	158	163	123	126	145	121
Market Cap Growth	11.12%	33.34%	-2.80%	-12.79%	19.05%	-11.79%
Last Close Price	15.99	15.92	11.14	11.18	12.59	9.75
PE Ratio	12.92	11.89	9.39	7.10	6.80	9.55
PS Ratio	2.77	2.74	2.08	1.93	2.08	1.99
PB Ratio	0.87	0.91	0.71	0.76	0.85	0.76
P/FCF Ratio	24.56	8.48	10.43	4.91	8.12	5.73
P/OCF Ratio	22.19	8.10	9.34	4.31	6.70	5.11
Debt / Equity Ratio	0.34	0.38	0.86	1.30	1.01	1.15
Debt / FCF Ratio	9.74	3.51	12.65	8.44	9.66	8.70
Return on Equity (ROE)	6.93%	7.80%	7.67%	10.51%	12.83%	8.18%
Return on Assets (ROA)	0.70%	0.76%	0.71%	1.00%	1.26%	0.80%
Earnings Yield	7.89%	8.41%	10.65%	14.08%	14.70%	10.48%
FCF Yield	4.07%	11.80%	9.59%	20.37%	12.32%	17.46%
Dividend Yield	2.25%	2.01%	2.60%	2.33%	1.83%	2.15%
Payout Ratio	29.09%	24.33%	23.28%	15.44%	11.81%	18.64%
Buyback Yield / Dilution	3.61%	1.98%	0.42%	1.99%	3.90%	-0.37%
Total Shareholder Return	5.86%	3.99%	3.02%	4.31%	5.72%	1.79%

Updated Jul 28, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q