Citizens Community Bancorp, Inc. (CZWI)

CZWI Statistics

Total Valuation

CZWI has a market cap or net worth of $156.94 million. The enterprise value is $151.18 million.

Market Cap	156.94M
Enterprise Value	151.18M

Important Dates

The last earnings date was Monday, July 28, 2025, before market open.

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

Share Statistics

CZWI has 9.87 million shares outstanding. The number of shares has decreased by -3.61% in one year.

Current Share Class	9.87M
Shares Outstanding	9.87M
Shares Change (YoY)	-3.61%
Shares Change (QoQ)	-0.04%
Owned by Insiders (%)	3.94%
Owned by Institutions (%)	63.40%
Float	8.98M

Valuation Ratios

The trailing PE ratio is 12.85 and the forward PE ratio is 10.71.

PE Ratio	12.85
Forward PE	10.71
PS Ratio	2.74
Forward PS	2.92
PB Ratio	0.86
P/TBV Ratio	1.03
P/FCF Ratio	24.29
P/OCF Ratio	21.94
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	12.14
EV / Sales	2.61
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	23.53

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	9.74
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 6.93%.

Return on Equity (ROE)	6.93%
Return on Assets (ROA)	0.70%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$250,030
Profits Per Employee	$53,685
Employee Count	232
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CZWI has paid $3.11 million in taxes.

Income Tax	3.11M
Effective Tax Rate	19.98%

Stock Price Statistics

The stock price has increased by +31.84% in the last 52 weeks. The beta is 0.75, so CZWI's price volatility has been lower than the market average.

Beta (5Y)	0.75
52-Week Price Change	+31.84%
50-Day Moving Average	14.55
200-Day Moving Average	15.00
Relative Strength Index (RSI)	67.91
Average Volume (20 Days)	32,311

Short Selling Information

The latest short interest is 198,557, so 2.01% of the outstanding shares have been sold short.

Short Interest	198,557
Short Previous Month	201,162
Short % of Shares Out	2.01%
Short % of Float	2.21%
Short Ratio (days to cover)	3.74

Income Statement

In the last 12 months, CZWI had revenue of $58.01 million and earned $12.46 million in profits. Earnings per share was $1.24.

Revenue	58.01M
Gross Profit	58.01M
Operating Income	17.94M
Pretax Income	19.62M
Net Income	12.46M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.24

Balance Sheet

The company has $67.45 million in cash and $62.59 million in debt, giving a net cash position of $4.87 million or $0.49 per share.

Cash & Cash Equivalents	67.45M
Total Debt	62.59M
Net Cash	4.87M
Net Cash Per Share	$0.49
Equity (Book Value)	183.46M
Book Value Per Share	18.36
Working Capital	-1.40B

Cash Flow

In the last 12 months, operating cash flow was $7.11 million and capital expenditures -$688,000, giving a free cash flow of $6.43 million.

Operating Cash Flow	7.11M
Capital Expenditures	-688,000
Free Cash Flow	6.43M
FCF Per Share	$0.65

Margins

Gross Margin	n/a
Operating Margin	30.92%
Pretax Margin	26.83%
Profit Margin	21.47%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	11.08%

Dividends & Yields

This stock pays an annual dividend of $0.36, which amounts to a dividend yield of 2.26%.

Dividend Per Share	$0.36
Dividend Yield	2.26%
Dividend Growth (YoY)	12.50%
Years of Dividend Growth	5
Payout Ratio	29.09%
Buyback Yield	3.61%
Shareholder Yield	5.88%
Earnings Yield	7.98%
FCF Yield	4.12%

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

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

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	3