Citizens Community Bancorp, Inc. (CZWI)

CZWI Statistics

Total Valuation

CZWI has a market cap or net worth of $200.76 million. The enterprise value is $103.40 million.

Market Cap	200.76M
Enterprise Value	103.40M

Important Dates

The last earnings date was Monday, April 27, 2026, before market open.

Earnings Date	Apr 27, 2026
Ex-Dividend Date	Feb 6, 2026

Share Statistics

CZWI has 9.63 million shares outstanding. The number of shares has decreased by -3.31% in one year.

Current Share Class	9.63M
Shares Outstanding	9.63M
Shares Change (YoY)	-3.31%
Shares Change (QoQ)	-0.93%
Owned by Insiders (%)	4.15%
Owned by Institutions (%)	63.94%
Float	8.73M

Valuation Ratios

The trailing PE ratio is 13.65 and the forward PE ratio is 11.06.

PE Ratio	13.65
Forward PE	11.06
PS Ratio	3.28
Forward PS	2.94
PB Ratio	1.05
P/TBV Ratio	1.26
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	6.90
EV / Sales	1.69
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

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

Financial Efficiency

Return on equity (ROE) is 8.08%.

Return on Equity (ROE)	8.08%
Return on Assets (ROA)	0.83%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	5.84%
Revenue Per Employee	$257,559
Profits Per Employee	$62,933
Employee Count	238
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CZWI has paid $3.12 million in taxes.

Income Tax	3.12M
Effective Tax Rate	17.24%

Stock Price Statistics

The stock price has increased by +43.60% in the last 52 weeks. The beta is 0.56, so CZWI's price volatility has been lower than the market average.

Beta (5Y)	0.56
52-Week Price Change	+43.60%
50-Day Moving Average	19.23
200-Day Moving Average	17.31
Relative Strength Index (RSI)	68.24
Average Volume (20 Days)	32,946

Short Selling Information

The latest short interest is 102,097, so 1.06% of the outstanding shares have been sold short.

Short Interest	102,097
Short Previous Month	129,363
Short % of Shares Out	1.06%
Short % of Float	1.17%
Short Ratio (days to cover)	2.00

Income Statement

In the last 12 months, CZWI had revenue of $61.30 million and earned $14.98 million in profits. Earnings per share was $1.53.

Revenue	61.30M
Gross Profit	61.30M
Operating Income	20.09M
Pretax Income	18.10M
Net Income	14.98M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.53

Balance Sheet

The company has $149.20 million in cash and $51.84 million in debt, with a net cash position of $97.36 million or $10.11 per share.

Cash & Cash Equivalents	149.20M
Total Debt	51.84M
Net Cash	97.36M
Net Cash Per Share	$10.11
Equity (Book Value)	190.87M
Book Value Per Share	19.85
Working Capital	-50.83M

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Depreciation & Amortization	n/a
Net Borrowing	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	32.78%
Pretax Margin	29.53%
Profit Margin	24.43%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.42, which amounts to a dividend yield of 2.01%.

Dividend Per Share	$0.42
Dividend Yield	2.01%
Dividend Growth (YoY)	-70.83%
Years of Dividend Growth	6
Payout Ratio	7.21%
Buyback Yield	3.31%
Shareholder Yield	5.32%
Earnings Yield	7.46%
FCF Yield	n/a

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	2