Citizens Community Bancorp, Inc. (CZWI)
NASDAQ: CZWI · Real-Time Price · USD
14.37
-0.42 (-2.84%)
At close: Mar 28, 2025, 4:00 PM
14.95
+0.58 (4.04%)
After-hours: Mar 28, 2025, 4:47 PM EDT

CZWI Statistics

Total Valuation

CZWI has a market cap or net worth of $143.55 million. The enterprise value is $161.06 million.

Market Cap 143.55M
Enterprise Value 161.06M

Important Dates

The next estimated earnings date is Monday, April 28, 2025, after market close.

Earnings Date Apr 28, 2025
Ex-Dividend Date Feb 7, 2025

Share Statistics

CZWI has 9.99 million shares outstanding. The number of shares has decreased by -1.98% in one year.

Current Share Class 9.99M
Shares Outstanding 9.99M
Shares Change (YoY) -1.98%
Shares Change (QoQ) -1.67%
Owned by Insiders (%) 4.89%
Owned by Institutions (%) 46.30%
Float 7.93M

Valuation Ratios

The trailing PE ratio is 10.72 and the forward PE ratio is 11.05.

PE Ratio 10.72
Forward PE 11.05
PS Ratio 2.47
Forward PS 2.86
PB Ratio 0.80
P/TBV Ratio 0.98
P/FCF Ratio 7.44
P/OCF Ratio 7.11
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 11.71
EV / Sales 2.70
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF 8.35

Financial Position

Current Ratio n/a
Quick Ratio n/a
Debt / Equity n/a
Debt / EBITDA n/a
Debt / FCF 3.51
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 7.80%.

Return on Equity (ROE) 7.80%
Return on Assets (ROA) 0.76%
Return on Invested Capital (ROIC) n/a
Return on Capital Employed (ROCE) n/a
Revenue Per Employee $256,776
Profits Per Employee $59,272
Employee Count 232
Asset Turnover n/a
Inventory Turnover n/a

Taxes

In the past 12 months, CZWI has paid $3.70 million in taxes.

Income Tax 3.70M
Effective Tax Rate 21.20%

Stock Price Statistics

The stock price has increased by +18.27% in the last 52 weeks. The beta is 1.13, so CZWI's price volatility has been higher than the market average.

Beta (5Y) 1.13
52-Week Price Change +18.27%
50-Day Moving Average 15.21
200-Day Moving Average 14.23
Relative Strength Index (RSI) 42.13
Average Volume (20 Days) 20,000

Short Selling Information

The latest short interest is 21,865, so 0.22% of the outstanding shares have been sold short.

Short Interest 21,865
Short Previous Month 22,437
Short % of Shares Out 0.22%
Short % of Float 0.28%
Short Ratio (days to cover) 0.78

Income Statement

In the last 12 months, CZWI had revenue of $59.57 million and earned $13.75 million in profits. Earnings per share was $1.34.

Revenue 59.57M
Gross Profit 59.57M
Operating Income 19.61M
Pretax Income 19.62M
Net Income 13.75M
EBITDA n/a
EBIT n/a
Earnings Per Share (EPS) $1.34
Full Income Statement

Balance Sheet

The company has $50.17 million in cash and $67.68 million in debt, giving a net cash position of -$17.51 million or -$1.75 per share.

Cash & Cash Equivalents 50.17M
Total Debt 67.68M
Net Cash -17.51M
Net Cash Per Share -$1.75
Equity (Book Value) 179.08M
Book Value Per Share 17.94
Working Capital -1.44B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $20.18 million and capital expenditures -$889,000, giving a free cash flow of $19.29 million.

Operating Cash Flow 20.18M
Capital Expenditures -889,000
Free Cash Flow 19.29M
FCF Per Share $1.93
Full Cash Flow Statement

Margins

Gross Margin n/a
Operating Margin 32.91%
Pretax Margin 29.29%
Profit Margin 23.08%
EBITDA Margin n/a
EBIT Margin n/a
FCF Margin 32.38%

Dividends & Yields

This stock pays an annual dividend of $0.36, which amounts to a dividend yield of 2.51%.

Dividend Per Share $0.36
Dividend Yield 2.51%
Dividend Growth (YoY) 12.50%
Years of Dividend Growth 5
Payout Ratio 26.87%
Buyback Yield 1.98%
Shareholder Yield 4.48%
Earnings Yield 9.58%
FCF Yield 13.44%
Dividend Details

Analyst Forecast

Price Target n/a
Price Target Difference n/a
Analyst Consensus n/a
Analyst Count n/a
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a

Stock Splits

The last stock split was on November 1, 2006. It was a forward split with a ratio of 1.91067:1.

Last Split Date Nov 1, 2006
Split Type Forward
Split Ratio 1.91067:1

Scores

Altman Z-Score n/a
Piotroski F-Score 4