Stock CZWI CITIZENS COMMUNITY BANCORP, INC.
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Financials Citizens Community Bancorp, Inc.

Equities

CZWI

US1749031043

Banks

Market Closed - Nasdaq
Other stock markets
 04:00:00 2024-04-26 pm EDT 		5-day change 1st Jan Change
10.36 USD -1.15% Intraday chart for Citizens Community Bancorp, Inc. -5.56% -11.53%
Jan. 29 Earnings Flash (CZWI) CITIZENS COMMUNITY BANCORP Reports Q4 EPS $0.38 MT
Jan. 29 Citizens Community Bancorp, Inc. Declares Annual Cash Dividend, Payable on February 23, 2024 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 137.7 121.5 144.6 126.1 122.6 108.3 -
Enterprise Value (EV) 1 137.7 121.5 144.6 126.1 122.6 108.3 108.3
P/E ratio 14.4 x 9.55 x 6.95 x 7.12 x 9.37 x 8.67 x 7.32 x
Yield 1.64% 1.93% 1.67% 2.16% 2.48% 2.94% 2.94%
Capitalization / Revenue 2.37 x 1.79 x 2.08 x 1.89 x 2.09 x 1.89 x 1.74 x
EV / Revenue 2.37 x 1.79 x 2.08 x 1.89 x 2.09 x 1.89 x 1.74 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 0.91 x 0.75 x 0.85 x 0.75 x 0.71 x 0.59 x 0.56 x
Nbr of stocks (in thousands) 11,270 11,155 10,502 10,484 10,468 10,457 -
Reference price 2 12.22 10.89 13.77 12.03 11.71 10.36 10.36
Announcement Date 1/27/20 1/28/21 1/31/22 1/23/23 1/29/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 58.22 68.04 69.49 66.8 58.6 57.2 62.4
EBITDA - - - - - - -
EBIT 19.78 24.63 29.06 25.06 - - -
Operating Margin 33.98% 36.2% 41.82% 37.51% - - -
Earnings before Tax (EBT) 1 12.28 17.28 28.96 23.58 18.93 15.85 18.75
Net income 1 9.463 12.72 21.27 17.76 13.06 12.52 14.8
Net margin 16.25% 18.7% 30.6% 26.59% 22.29% 21.89% 23.71%
EPS 2 0.8500 1.140 1.980 1.690 1.250 1.195 1.415
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 0.2000 0.2100 0.2300 0.2600 0.2900 0.3050 0.3050
Announcement Date 1/27/20 1/28/21 1/31/22 1/23/23 1/29/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 17.06 18.79 15.88 16.64 16.93 17.35 15.09 14.6 14.69 14.23 13.9 14 14.6 14.7 14.7
EBITDA - - - - - - - - - - - - - - -
EBIT 6.816 8.266 6.212 6.177 5.652 7.015 4.966 - - - - - - - -
Operating Margin 39.95% 43.99% 39.12% 37.12% 33.39% 40.43% 32.92% - - - - - - - -
Earnings before Tax (EBT) 1 6.816 8.266 6.212 5.777 5.277 6.315 4.916 4.303 5.042 4.671 3.45 3.6 4.3 4.45 3.8
Net income 1 4.997 6.057 4.706 4.366 3.993 4.696 3.662 3.206 2.498 3.693 2.728 2.832 3.371 3.537 3.025
Net margin 29.29% 32.23% 29.63% 26.24% 23.59% 27.06% 24.27% 21.96% 17.01% 25.96% 19.63% 20.23% 23.09% 24.06% 20.58%
EPS 2 0.4700 0.5800 0.4500 0.4100 0.3800 0.4500 0.3500 0.3100 0.2400 0.3500 0.2600 0.2700 0.3250 0.3350 0.2900
Dividend per Share 2 - - 0.2600 - - - 0.2900 - - - 0.3050 - - - 0.3200
Announcement Date 10/25/21 1/31/22 4/25/22 7/25/22 10/24/22 1/23/23 4/25/23 7/24/23 10/24/23 1/29/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 7.44% 8.09% 13% 10.7% 7.87% 7.09% 7.93%
ROA (Net income/ Total Assets) 0.76% 0.78% 1.24% 1% 0.71% 0.68% 0.78%
Assets 1 1,245 1,631 1,715 1,776 1,839 1,855 1,897
Book Value Per Share 2 13.40 14.50 16.30 16.00 16.60 17.50 18.60
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/27/20 1/28/21 1/31/22 1/23/23 1/29/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Citizens Community Bancorp, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
2
Last Close Price
10.36 USD
Average target price
13.5 USD
Spread / Average Target
+30.31%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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