NASDAQ: CZWICitizens Community Bancorp Inc Stock
$10.82-0.11 (-1.01%)
Updated Mar 24, 2023
CZWI Price
$10.82
Fair Value Price
$14.22
Market Cap
$113.42M
52 Week Low
$10.31
52 Week High
$15.77
P/E
6.4x
P/B
0.68x
P/S
1.93x
PEG
0.34x
Dividend Yield
2.68%
Revenue
$65.32M
Earnings
$17.76M
Gross Margin
100%
Operating Margin
36.1%
Profit Margin
27.2%
Debt to Equity
9.87
Operating Cash Flow
$29M
Beta
0.42
Next Earnings
Apr 24, 2023
Ex-Dividend
N/A
Next Dividend
N/A
CZWI Overview
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.
Zen Score
–
Industry Average (39)
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Due Diligence Checks
CZWI ($10.82) is undervalued by 23.93% relative to our estimate of its Fair Value price of $14.22 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
CZWI ($10.82) is significantly undervalued by 23.93% relative to our estimate of its Fair Value price of $14.22 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
CZWI ($10.82) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
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CZWI News
Valuation
CZWI fair value
Fair Value of CZWI stock based on Discounted Cash Flow (DCF)
Price
$10.82
Fair Value
$14.22
Undervalued by
23.93%
CZWI ($10.82) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
CZWI ($10.82) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
CZWI ($10.82) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
CZWI price to earnings (PE)
For valuing profitable companies with steady earnings
Company
6.4x
Industry
21.11x
Market
21.37x
CZWI is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
CZWI is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
CZWI price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
0.68x
Industry
0.96x
CZWI is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
CZWI price to earnings growth (PEG)
For valuing profitable companies with growth potential
CZWI is good value based... subscribe to Premium to read more.
PEG Value Valuation
CZWI's financial health
Profit margin
Revenue
$16.7M
Net Income
$4.7M
Profit Margin
28.2%
CZWI's Earnings (EBIT) of $23.58M... subscribe to Premium to read more.
Interest Coverage Financials
CZWI's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$1.8B
Liabilities
$1.6B
Debt to equity
9.87
CZWI's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
CZWI's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$8.6M
Investing
-$32.3M
Financing
$29.7M
CZWI's operating cash flow ($29.29M)... subscribe to Premium to read more.
Debt Coverage Financials
CZWI vs Bank Stocks
Citizens Community Bancorp Stock FAQ
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