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Citizens Community Bancorp, Inc. CZWI
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 14.43
1.1 %
$ 144 M
Market Cap
10.25
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one CZWI stock under the worst case scenario is HIDDEN Compared to the current market price of 14.4 USD, Citizens Community Bancorp, Inc. is HIDDEN

CZWI Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one CZWI stock under the base case scenario is HIDDEN Compared to the current market price of 14.4 USD, Citizens Community Bancorp, Inc. is HIDDEN

CZWI Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one CZWI stock under the best case scenario is HIDDEN Compared to the current market price of 14.4 USD, Citizens Community Bancorp, Inc. is HIDDEN

CZWI Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart CZWI

image
1M --%
6M 5%
1Y 36%
3Y 19%
5Y 105%
All
$17.0$17.0$16.5$16.5$16.0$16.0$15.5$15.5$15.0$15.0$14.5$14.5$14.0$14.0$13.5$13.5$13.0$13.0$12.5$12.5Nov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 Apr
FINANCIALS
56.3 M REVENUE
-3.84%
Growth Rates
1Year -3.84%
3Years -6.87%
5Years -0.01%
7Years 11.22%
10Years 9.28%
-31.1 M OPERATING INCOME
-127.94%
Growth Rates
1Year -127.94%
3Years -27.54%
5Years -28.73%
7Years -23.17%
10Years -18.33%
13.8 M NET INCOME
5.30%
Growth Rates
1Year 5.30%
3Years -13.53%
5Years 7.76%
7Years 27.58%
10Years 22.66%
20.2 M OPERATING CASH FLOW
53.73%
Growth Rates
1Year 53.73%
3Years -2.25%
5Years 9.47%
7Years 26.37%
10Years 9.77%
114 M INVESTING CASH FLOW
432.52%
Growth Rates
1Year 432.52%
3Years 39.19%
5Years 30.58%
7Years 38.25%
10Years 20.63%
-121 M FINANCING CASH FLOW
-528.88%
Growth Rates
1Year -528.88%
3Years -39.77%
5Years -24.54%
7Years -35.97%
10Years -28.16%
13.5 M REVENUE
-4.75%
Growth Rates
1Year -3.84%
3Years -6.87%
5Years -0.01%
7Years 11.22%
10Years 9.28%
0 OPERATING INCOME
0.00%
Growth Rates
1Year -127.94%
3Years -27.54%
5Years -28.73%
7Years -23.17%
10Years -18.33%
2.7 M NET INCOME
-17.77%
Growth Rates
1Year 5.30%
3Years -13.53%
5Years 7.76%
7Years 27.58%
10Years 22.66%
2.59 M OPERATING CASH FLOW
-24.92%
Growth Rates
1Year 53.73%
3Years -2.25%
5Years 9.47%
7Years 26.37%
10Years 9.77%
60.8 M INVESTING CASH FLOW
613.89%
Growth Rates
1Year 432.52%
3Years 39.19%
5Years 30.58%
7Years 38.25%
10Years 20.63%
-49.8 M FINANCING CASH FLOW
-307.64%
Growth Rates
1Year -528.88%
3Years -39.77%
5Years -24.54%
7Years -35.97%
10Years -28.16%
Balance Sheet Citizens Community Bancorp, Inc.
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Current Assets 1.55 B
Cash & Short-Term Investments 193 M
Receivables 1.35 B
Other Current Assets 0
Non-Current Assets 49.6 M
Long-Term Investments 0
PP&E 17.1 M
Other Non-Current Assets 32.5 M
12.09 %84.81 %Total Assets$1.6b
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 66.6 M
Long-Term Debt 66.6 M
Other Non-Current Liabilities 0
100.00 %Total Liabilities$66.6m
EFFICIENCY
Earnings Waterfall Citizens Community Bancorp, Inc.
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Revenue 56.3 M
Cost Of Revenue 0
Gross Profit 56.3 M
Operating Expenses 56.3 M
Operating Income -31.1 M
Other Expenses -44.9 M
Net Income 13.8 M
60m60m50m50m40m40m30m30m20m20m10m10m00(10m)(10m)(20m)(20m)(30m)(30m)(40m)(40m)56m056m(56m)(31m)45m14mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 120.09%
5Years 112.06%
7Years 108.61%
10Years 106.03%
-55.30% OPERATING MARGIN
-55.30%
Averages
1Year -55.30%
3Years 14.86%
5Years 22.28%
7Years 53.55%
10Years 48.51%
4.80% NET MARGIN
4.80%
Averages
1Year 4.80%
3Years 17.85%
5Years 20.53%
7Years 39.44%
10Years 31.00%
1.51% ROE
1.51%
Averages
1Year 1.51%
3Years 6.56%
5Years 8.01%
7Years 7.06%
10Years 6.20%
0.15% ROA
0.15%
Averages
1Year 0.15%
3Years 0.61%
5Years 0.77%
7Years 0.68%
10Years 0.59%
-1.54% ROIC
-1.54%
Averages
1Year -1.54%
3Years -1.37%
5Years -2.98%
7Years -2.68%
10Years -1.39%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Citizens Community Bancorp, Inc.
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30m30m25m25m20m20m15m15m10m10m5m5m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 13.8 M
Depreciation & Amortization 2.89 M
Capital Expenditures 0
Stock-Based Compensation 0
Change in Working Capital 0
Others 3.16 M
Free Cash Flow 20.2 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Citizens Community Bancorp, Inc.
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CZWI has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0.36 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.400.400.350.350.300.300.250.250.200.200.150.150.100.100.050.050.000.000.080.080.120.120.160.160.20.200.20.200.210.210.230.230.260.260.290.290.320.320.360.362015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 11
6. Ownership
Insider Ownership Citizens Community Bancorp, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
17.7 K USD 2
6-9 MONTHS
32.8 K USD 4
9-12 MONTHS
7. News
16 Upcoming Dividend Increases Sixteen companies are boosting their dividends, with an average increase of 8.2%, signaling financial health and stability, particularly among regional banks. My investment strategy focuses on companies with consistently rising dividends and outperforming benchmarks, aiming for long-term wealth accumulation. I use data from the "U.S. Dividend Champions" spreadsheet and NASDAQ to identify companies with at least five years of dividend growth. seekingalpha.com - 3 months ago
Citizens Community Bancorp, Inc. (CZWI) Meets Q4 Earnings Estimates Citizens Community Bancorp, Inc. (CZWI) came out with quarterly earnings of $0.27 per share, in line with the Zacks Consensus Estimate. This compares to earnings of $0.38 per share a year ago. zacks.com - 3 months ago
Citizens Community Bancorp, Inc. Reports Fourth Quarter 2024 Earnings of $0.27 Per Share and Twelve Month 2024 Earnings of $1.34 Per Share; Board of Directors Increases Annual Dividend by 12.5% to $0.36 Per Share EAU CLAIRE, Wis., Jan. 27, 2025 (GLOBE NEWSWIRE) -- Citizens Community Bancorp, Inc. (the “Company”) (Nasdaq: CZWI), the parent company of Citizens Community Federal N.A. (the “Bank” or “CCFBank”), today reported earnings of $2.7 million and earnings per diluted share of $0.27 for the fourth quarter ended December 31, 2024, compared to $3.3 million and earnings per diluted share of $0.32 for the quarter ended September 30, 2024, and $3.7 million and $0.35 earnings per diluted share for the quarter ended December 31, 2023, respectively. globenewswire.com - 3 months ago
3 Solid Stocks to Pick From the Prospering Savings & Loan Industry Stocks in the Zacks Savings and Loan industry, such as BANR, HMST and CZWI, will benefit from the Fed rate cuts and improving lending scenarios. zacks.com - 3 months ago
Are Investors Undervaluing Citizens Community Bancorp (CZWI) Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 4 months ago
Here's Why Momentum in Citizens Community Bancorp (CZWI) Should Keep going Citizens Community Bancorp (CZWI) could be a solid choice for shorter-term investors looking to capitalize on the recent price trend in fundamentally sound stocks. It is one of the many stocks that passed through our shorter-term trading strategy-based screen. zacks.com - 4 months ago
Should Value Investors Buy Citizens Community Bancorp (CZWI) Stock? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 4 months ago
Are Investors Undervaluing Citizens Community Bancorp (CZWI) Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 5 months ago
What Makes Citizens Community Bancorp (CZWI) a Good Fit for 'Trend Investing' Citizens Community Bancorp (CZWI) could be a great choice for investors looking to make a profit from fundamentally strong stocks that are currently on the move. It is one of the several stocks that made it through our "Recent Price Strength" screen. zacks.com - 5 months ago
All You Need to Know About Citizens Community Bancorp (CZWI) Rating Upgrade to Buy Citizens Community Bancorp (CZWI) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy). zacks.com - 5 months ago
Is Citizens Community Bancorp (CZWI) Stock Undervalued Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 5 months ago
Citizens Community Bancorp, Inc. (CZWI) Hits Fresh High: Is There Still Room to Run? Citizens Community Bancorp (CZWI) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues. zacks.com - 5 months ago
8. Profile Summary

Citizens Community Bancorp, Inc. CZWI

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 144 M
Dividend Yield 0.00%
Description 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.
Contact 2174 EastRidge Center, Eau Claire, WI, 54701 https://www.ccf.us
IPO Date March 30, 2004
Employees 207
Officers Mr. Stephen M. Bianchi Chairman of the Board, President & Chief Executive Officer Mr. James S. Broucek Chief Financial Officer, Principal Accounting Officer, Executive Vice President, Treasurer & Secretary