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NASDAQ: CZWI
Citizens 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)
You've viewed Zen Score for 10/10 free stocks. Upgrade to Premium to see how CZWI scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.

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

TickerMarket Cap1d %P/EP/B
CZWI$113.42M-1.01%6.40x0.68x
FSFG$113.04M-0.67%8.21x0.71x
OPOF$113.93M0.00%14.34x1.22x
BFIN$112.85M+0.23%11.11x0.74x
FUNC$114.06M-0.64%4.54x0.75x

Citizens Community Bancorp Stock FAQ

What is Citizens Community Bancorp's quote symbol?

NASDAQ: CZWI) Citizens Community Bancorp trades on the NASDAQ under the ticker symbol CZWI. Citizens Community Bancorp stock quotes can also be displayed as NASDAQ: CZWI.

If you're new to stock investing, here's how to buy Citizens Community Bancorp stock.

What is the 52 week high and low for Citizens Community Bancorp (NASDAQ: CZWI)?

(NASDAQ: CZWI) Citizens Community Bancorp's 52-week high was $15.77, and its 52-week low was $10.31. It is currently -31.39% from its 52-week high and 4.95% from its 52-week low.

How much is Citizens Community Bancorp stock worth today?

(NASDAQ: CZWI) Citizens Community Bancorp currently has 10,482,821 outstanding shares. With Citizens Community Bancorp stock trading at $10.82 per share, the total value of Citizens Community Bancorp stock (market capitalization) is $113.42M.

Citizens Community Bancorp stock was originally listed at a price of $9.75 in Nov 1, 2006. If you had invested in Citizens Community Bancorp stock at $9.75, your return over the last 16 years would have been 10.97%, for an annualized return of 0.65% (not including any dividends or dividend reinvestments).

How much is Citizens Community Bancorp's stock price per share?

(NASDAQ: CZWI) Citizens Community Bancorp stock price per share is $10.82 today (as of Mar 24, 2023).

What is Citizens Community Bancorp's Market Cap?

(NASDAQ: CZWI) Citizens Community Bancorp's market cap is $113.42M, as of Mar 26, 2023.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Citizens Community Bancorp's market cap is calculated by multiplying CZWI's current stock price of $10.82 by CZWI's total outstanding shares of 10,482,821.
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