Citizens Community Bancorp, Inc. (CZWI)

CZWI Statistics

Total Valuation

CZWI has a market cap or net worth of $166.63 million. The enterprise value is $131.72 million.

Market Cap	166.63M
Enterprise Value	131.72M

Important Dates

The last earnings date was Monday, October 27, 2025, before market open.

Earnings Date	Oct 27, 2025
Ex-Dividend Date	Feb 7, 2025

Share Statistics

CZWI has 9.66 million shares outstanding. The number of shares has decreased by -3.68% in one year.

Current Share Class	9.66M
Shares Outstanding	9.66M
Shares Change (YoY)	-3.68%
Shares Change (QoQ)	-0.76%
Owned by Insiders (%)	4.04%
Owned by Institutions (%)	57.32%
Float	8.24M

Valuation Ratios

The trailing PE ratio is 13.40 and the forward PE ratio is 10.36.

PE Ratio	13.40
Forward PE	10.36
PS Ratio	2.92
Forward PS	2.98
PB Ratio	0.91
P/TBV Ratio	1.08
P/FCF Ratio	17.95
P/OCF Ratio	16.27
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	10.25
EV / Sales	2.23
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	14.19

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	5.12
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 7.00%.

Return on Equity (ROE)	7.00%
Return on Assets (ROA)	0.73%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$254,254
Profits Per Employee	$55,392
Employee Count	232
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CZWI has paid $3.06 million in taxes.

Income Tax	3.06M
Effective Tax Rate	19.25%

Stock Price Statistics

The stock price has increased by +4.42% in the last 52 weeks. The beta is 0.71, so CZWI's price volatility has been lower than the market average.

Beta (5Y)	0.71
52-Week Price Change	+4.42%
50-Day Moving Average	16.15
200-Day Moving Average	15.17
Relative Strength Index (RSI)	69.91
Average Volume (20 Days)	52,035

Short Selling Information

The latest short interest is 119,132, so 1.23% of the outstanding shares have been sold short.

Short Interest	119,132
Short Previous Month	122,411
Short % of Shares Out	1.23%
Short % of Float	1.45%
Short Ratio (days to cover)	3.64

Income Statement

In the last 12 months, CZWI had revenue of $58.99 million and earned $12.85 million in profits. Earnings per share was $1.29.

Revenue	58.99M
Gross Profit	58.99M
Operating Income	18.14M
Pretax Income	15.91M
Net Income	12.85M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.29

Balance Sheet

The company has $82.43 million in cash and $47.52 million in debt, giving a net cash position of $34.91 million or $3.61 per share.

Cash & Cash Equivalents	82.43M
Total Debt	47.52M
Net Cash	34.91M
Net Cash Per Share	$3.61
Equity (Book Value)	186.82M
Book Value Per Share	18.95
Working Capital	-1.39B

Cash Flow

In the last 12 months, operating cash flow was $10.24 million and capital expenditures -$958,000, giving a free cash flow of $9.28 million.

Operating Cash Flow	10.24M
Capital Expenditures	-958,000
Free Cash Flow	9.28M
FCF Per Share	$0.96

Margins

Gross Margin	n/a
Operating Margin	30.76%
Pretax Margin	26.98%
Profit Margin	21.79%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	15.73%

Dividends & Yields

This stock pays an annual dividend of $0.36, which amounts to a dividend yield of 2.09%.

Dividend Per Share	$0.36
Dividend Yield	2.09%
Dividend Growth (YoY)	12.50%
Years of Dividend Growth	5
Payout Ratio	27.96%
Buyback Yield	3.68%
Shareholder Yield	5.79%
Earnings Yield	7.71%
FCF Yield	5.57%

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