Citizens Community Bancorp, Inc. (CZWI)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 68 | 70 | 67 | 59 | 56 | 51 | 50 | - |
| Operating profit | $m | 6 | 2 | ||||||
| Net profit | $m | 13 | 21 | 18 | 13 | 14 | 14 | 13 | 14 |
| EPS reported | $ | 1.46 | 1.31 | ||||||
| Operating cashflow per share | $ | 1.20 | 2.23 | ||||||
| Capex per share | $ | 0.14 | 0.10 | ||||||
| FCF per share | $ | 1.07 | 2.14 | ||||||
| Free cash flow | $m | 10 | 21 | ||||||
| Net debt | $m | -136 | -70 | ||||||
| Book value equity | $m | 188 | 191 | ||||||
| Book value per share | $ | 19.36 | 19.10 | ||||||
| Number of shares | m | 9.71 | 10.02 | ||||||
| DPS (TTM paid) | $ | 0.21 | 0.32 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 12.21 | 16.12 | ||||||
| P/B LTM | x | 0.92 | 0.90 | ||||||
| P/S LTM | x | 3.39 | 3.45 | ||||||
| P/FCF LTM | x | 16.66 | 8.09 | ||||||
| EV/EBITDA LTM | x | 11.91 | 32.02 | ||||||
| EV/Sales LTM | x | 1.18 | 1.63 | ||||||
| Earnings Yield LTM | % | +8.19% | +6.20% | ||||||
| FCF Yield | % | +6.00% | +12.37% | ||||||
| Quality | |||||||||
| ROE | % | +7.67% | +6.77% | ||||||
| ROIC | % | +2.03% | +0.50% | ||||||
| Operating margin | % | +7.01% | +1.78% | ||||||
| Gross margin | % | +54.68% | +55.66% | ||||||
| FCF/Sales | % | +11.53% | +24.44% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +8.96% | -2.24% | ||||||
| Sales Growth YoY | % | -9.39% | -10.95% | ||||||
| Net Income Growth YoY | % | +4.87% | -6.84% | ||||||
| FCF Growth | % | -46.17% | +10.91% | ||||||
| Operating Profit Growth | % | -63.82% | -91.09% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.08% | +1.43% | ||||||
| Dividend Growth | % | -41.67% | -12.50% | ||||||
| Payout Ratio | % | +25.39% | +71.52% | ||||||
| FCF/Debt | x | 0.20 | 0.41 | ||||||
| Net Debt/EBITDA | x | -7.54 | -21.12 | ||||||
| EBIT/Net interest | x | 0.16 | 0.04 | ||||||
| Net debt/market cap | % | +29.95% | +24.38% | ||||||
| Net debt/Equity | x | -0.72 | -0.37 | ||||||
| Gross debt/equity | x | 0.28 | 0.27 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Citizens Community Bancorp, Inc. functions as the parent entity for Citizens Community Federal N.A., offering a comprehensive array of conventional banking solutions to businesses, agricultural enterprises, and individual customers. The company facilitates client deposits through diverse products, including checking accounts, savings and money market accounts, and certificates of deposit (CDs). Its lending portfolio is equally broad, encompassing commercial real estate loans, commercial and industrial financing, agricultural land and operational loans, consumer credit, mortgages for one-to-four family residences, and home equity lines of credit. Furthermore, Citizens Community Bancorp manages an investment portfolio featuring various securities such as mortgage-backed, corporate asset-backed, U.S. government agency-sponsored, corporate debt, and trust preferred instruments. Its operations span Wisconsin and Minnesota, supported by a network of 25 full-service branches. Established in 1938, the bank holding company is headquartered in Eau Claire, Wisconsin.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Citizens Community Bancorp, Inc. (CZWI)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Citizens Community Bancorp, Inc. functions as the parent entity for Citizens Community Federal N.A., offering a comprehensive array of conventional banking solutions to businesses, agricultural enterprises, and individual customers. The company facilitates client deposits through diverse products, including checking accounts, savings and money market accounts, and certificates of deposit (CDs). Its lending portfolio is equally broad, encompassing commercial real estate loans, commercial and industrial financing, agricultural land and operational loans, consumer credit, mortgages for one-to-four family residences, and home equity lines of credit. Furthermore, Citizens Community Bancorp manages an investment portfolio featuring various securities such as mortgage-backed, corporate asset-backed, U.S. government agency-sponsored, corporate debt, and trust preferred instruments. Its operations span Wisconsin and Minnesota, supported by a network of 25 full-service branches. Established in 1938, the bank holding company is headquartered in Eau Claire, Wisconsin.
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