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Ticker
CZWI

Price
15.65
Stock movement down
-0.05 (-0.32%)
Company name
Citizens Community Bancorp Inc
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
154.47M
Ent value
1.74B
Price/Sales
1.74
Price/Book
0.86
Div yield
2.04%
Div growth
9.86%
Growth years
5
FCF payout
-
Trailing P/E
10.48
Forward P/E
9.34
PEG
-
EPS growth
26.02%
1 year return
10.37%
3 year return
-
5 year return
-
10 year return
-
Last updated: 2025-10-30

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share0.32
Dividend yield2.04%
Payout frequency-
Maximum yield2.52%
Average yield2.12%
Minimum yield1.89%
Discount to avg yield-3.55%
Upside potential-3.42%
Yield as % of max yield81.21%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield2.04%
Current yield distribution62.03%
Yield at 100% (Min)1.89%
Yield at 90%1.95%
Yield at 80%1.99%
Yield at 50% (Median)2.12%
Yield at 20%2.25%
Yield at 10%2.29%
Yield at 0% (Max)2.52%

Dividend per share

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Dividend per share data
Years of growth5 years
CCC statusDividend Challenger
Dividend per share0.32
Payout frequency-
Ex-div date7 Feb 2025
EPS (TTM)-
EPS (1y forward)1.77
EPS growth (5y)26.02%
EPS growth (5y forward)-

Dividend growth

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Dividend growth data
CZWIS&P500
DGR MR10.34%-13.74%
DGR TTM10.34%6.60%
DGR 3 years11.64%5.24%
DGR 5 years9.86%5.40%
DGR 10 years23.11%7.07%
DGR 15 years5.18%6.12%
Time since last change announced655 days
EPS growth (5y)26.02%
EPS growth (5y forward)-

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM--
Average--
Forward19.10%-

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E10.48
Price to OCF-
Price to FCF-
Price to EBITDA14.45
EV to EBITDA162.52

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales1.74
Price to Book0.86
EV to Sales19.61

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FINANCIALS

Per share

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Per share data
Current share count9.87M
EPS (TTM)-
FCF per share (TTM)-

Income statement

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Income statement data
Revenue (TTM)-
Gross profit (TTM)-
Operating income (TTM)-
Net income (TTM)-
EPS (TTM)-
EPS (1y forward)1.77

Margins

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Margins data
Gross margin (TTM)-
Operating margin (TTM)-
Profit margin (TTM)-

Balance Sheet

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Balance Sheet data
Cash82.43M
Net receivables1.31B
Total current assets1.53B
Goodwill31.50M
Intangible assets508.00K
Property, plant and equipment0.00
Total assets1.73B
Accounts payable0.00
Short/Current long term debt46.76M
Total current liabilities0.00
Total liabilities1.54B
Shareholder's equity0.00
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)-
Capital expenditures (TTM)-
Free cash flow (TTM)-
Dividends paid (TTM)-

Financial returns

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Financial returns data
Return on Equity-
Return on Assets-
Return on Invested Capital-
Cash Return on Invested Capital-

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

STOCK INFORMATION

Stock chart

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Stock price data
Open15.91
Daily high15.91
Daily low15.65
Daily Volume5K
All-time high16.94
1y analyst estimate18.75
Beta0.71
EPS (TTM)-
Dividend per share0.32
Ex-div date7 Feb 2025
Next earnings date26 Jan 2026

Downside potential

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Downside potential data
CZWIS&P500
Current price drop from All-time high-7.62%-1.10%
Highest price drop-24.97%-19.00%
Date of highest drop11 Apr 20258 Apr 2025
Avg drop from high-9.95%-2.76%
Avg time to new high38 days5 days
Max time to new high219 days89 days

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

COMPANY DETAILS
CZWI (Citizens Community Bancorp Inc) company logo
Marketcap
154.47M
Marketcap category
Small-cap
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 in the United States. The company accepts various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit. It also provides various loan products, such as 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 maintains a portfolio of investments comprising mortgage-backed, corporate asset-backed, U.S. Government sponsored agency, and corporate debt securities. The company operates in Wisconsin, Minnesota and Other locations. Citizens Community Bancorp, Inc. was founded in 1938 and is based in Eau Claire, Wisconsin.
Employees
207
Investor relations
-
SEC filings
CEO
Stephen M. Bianchi
Country
USA
City
Eau Claire
Stock type
Common stock
CCC status
Dividend Challenger
Dividend Frequency
-
EVENTS AND PRESENTATIONS
EventsPresentations
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UNDERSTAND THE BUSINESS
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