CZWI - NASDAQ
Citizens Community Bancorp, Inc.
$20.51
-2.9%Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal N.A. that provides various traditional community banking services to businesses, agricultural operators, and consumers. The company accepts various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit. It also offers various loan products comprising commercial real estate, commercial and industrial, agricultural real estate, agricultural operating, and consumer loans; and one-to-four family residential mortgages and home equity lines-of-credit. In addition, the company provides a portfolio of investments, such as mortgage-backed, corporate asset-backed, U.S. Government sponsored agency, corporate debt, and trust preferred securities. It operates through a network of 25 full-service branch in Wisconsin and Minnesota. Citizens Community Bancorp, Inc. was founded in 1938 and is based in Eau Claire, Wisconsin.
At a Glance
Live SnapshotCitizens Community Bancorp, Inc. Fair Value Envelope
Owner Earnings Valuation Tool
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DCF Valuation Summary
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Owner Earnings Projections
Operating Cash Flow - Maintenance CapEx = Owner Earnings
| Metric | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $6.3M | $3.4M | $1.8M | $981.7K | $528.5K | $284.5K | $153.1K | $82.4K | $44.4K | $23.9K |
| Maintenance CapEx | -$141.1K | -$76.0K | -$40.9K | -$22.0K | -$11.8K | -$6.4K | -$3.4K | -$1.8K | -$995 | -$536 |
| Owner Earnings | $6.2M | $3.3M | $1.8M | $959.7K | $516.6K | $278.1K | $149.7K | $80.6K | $43.4K | $23.3K |
| Discount Factor | 0.926 | 0.857 | 0.794 | 0.735 | 0.681 | 0.630 | 0.583 | 0.540 | 0.500 | 0.463 |
| Present Value | $5.7M | $2.8M | $1.4M | $705.4K | $351.6K | $175.2K | $87.3K | $43.5K | $21.7K | $10.8K |
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