Financhill
Buy
67

CZWI Quote, Financials, Valuation and Earnings

Last price:
$14.89
Seasonality move :
0.85%
Day range:
$14.50 - $14.92
52-week range:
$11.72 - $17.04
Dividend yield:
2.42%
P/E ratio:
11.83x
P/S ratio:
2.74x
P/B ratio:
0.83x
Volume:
27.8K
Avg. volume:
85.8K
1-year change:
22.82%
Market cap:
$148.9M
Revenue:
$56.3M
EPS (TTM):
$1.26

Analysts' Opinion

  • Consensus Rating
    Citizens Community Bancorp has received a consensus rating of Buy. The company's average rating is a Buy based on 2 Buy ratings, 0 Hold ratings, and 0 Sell ratings.
  • Price Target Upside
    According to analysts' consensus price target of $17.75, Citizens Community Bancorp has an estimated upside of 19.05% from its current price of $14.91.
  • Price Target Downside
    According to analysts, the lowest downside price target is $17.50 representing 100% downside risk from its current price of $14.91.

Fair Value

  • According to the consensus of 2 analysts, Citizens Community Bancorp has 19.05% upside to fair value with a price target of $17.75 per share.

CZWI vs. S&P 500

  • Over the past 5 trading days, Citizens Community Bancorp has underperformed the S&P 500 by -2.48% suggesting its relative strength compared to the major market average is weak at this time.

Share Buyback

  • Citizens Community Bancorp does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • Citizens Community Bancorp revenues have been falling on a year-over-year basis for 4 quarters in a row. In the most recent quarter Citizens Community Bancorp reported revenues of $14.2M.

Earnings Growth

  • Citizens Community Bancorp earnings have been falling on a year-over-year basis for 2 quarters in a row. In the most recent quarter Citizens Community Bancorp reported earnings per share of $0.32.
Enterprise value:
39.6M
EV / Invested capital:
--
Price / LTM sales:
2.74x
EV / EBIT:
0.68x
EV / Revenue:
0.72x
PEG ratio (5yr expected):
1.77x
EV / Free cash flow:
3.33x
Price / Operating cash flow:
12.76x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
0.72%
Net Income Margin (TTM):
23.26%
Return On Equity:
7.24%
Return On Invested Capital:
4.95%
Operating Margin:
--
Trailing 12 Months Fiscal Quarters
Period Ending 2023-03-31 2024-03-31 2025-03-31 2024-03-31 2025-03-31
Income Statement
Revenue $66.4M $58.6M $55.3M $15.2M $14.2M
Gross Profit -- -- -- -- --
Operating Income -- -- -- -- --
EBITDA -- -- -- -- --
Diluted EPS $1.59 $1.29 $1.26 $0.39 $0.32
Period Ending 2021-03-31 2022-03-31 2023-03-31 2024-03-31 2025-03-31
Balance Sheet
Current Assets $388.7M $278M $70.8M $37.5M $177M
Total Assets $1.7B $1.8B $1.9B $1.8B $1.8B
Current Liabilities -- -- -- -- --
Total Liabilities $1.6B $1.6B $1.7B $1.6B $1.6B
Total Equity $160.7M $165.5M $164.6M $172.8M $180.1M
Total Debt $173.8M $172.6M $249.8M $107M $61.7M
Trailing 12 Months Fiscal Quarters
Period Ending 2023-03-31 2024-03-31 2025-03-31 2024-03-31 2025-03-31
Cash Flow Statement
Cash Flow Operations $22.2M $20.5M $12.6M $9.1M $1.6M
Cash From Investing -$122.8M -$230K $117.4M $18M $21.7M
Cash From Financing $81.2M -$56.6M -$58.4M -$35.7M $26.8M
Free Cash Flow $19.1M $19.2M $11.9M $8.9M $1.5M
CZWI
Sector
Market Cap
$148.9M
$627.9M
Price % of 52-Week High
87.5%
89.42%
Dividend Yield
2.42%
1.97%
Shareholder Yield
18.34%
4.06%
1-Year Price Total Return
22.82%
7.77%
Beta (5-Year)
0.711
0.585
Dividend yield:
2.42%
Annualized payout:
$0.32
Payout ratio:
27.98%
Growth streak:
5 years

Technicals

8-day SMA
Sell
Level $15.10
200-day SMA
Buy
Level $14.90
Bollinger Bands (100)
Buy
Level 13.74 - 15.08
Chaikin Money Flow
Buy
Level 1.5M
20-day SMA
Buy
Level $14.21
Relative Strength Index (RSI14)
Buy
Level 56.96
ADX Line
Buy
Level 25.05
Williams %R
Neutral
Level -26.7281
50-day SMA
Buy
Level $14.45
MACD (12, 26)
Buy
Level 0.26
25-day Aroon Oscillator
Buy
Level 36
On Balance Volume
Neutral
Level 2.7M

Financial Scores

--
Altman Z-Score (Annual)
Level (--)
Sell
CA Score (Annual)
Level (-2.1481)
--
Beneish M-Score (Annual)
Level (--)
Buy
Momentum Score
Level (9)
--
Ohlson Score
Level (--)
--
Piotroski F Score (Annual)
Level (--)
--
Quality Ratio Score
Level (--)
Buy
Fundamental Score
Level (7)

Revenue Forecast

Earnings per Share Forecast

Company Profile

Citizens Community Bancorp Inc is a bank holding company that offers traditional community banking services to businesses, Agricultural operators, and consumers, including one-to-four-family residential mortgages. it also offers a variety of loan products including commercial real estate loans, commercial and industrial (C&I) loans, agricultural real estate loans, agricultural operating loans, residential mortgages, home equity lines-of-credit, and consumer loans and offers deposit products through its branches, including demand deposits, various savings and money-market accounts and certificates of deposit. The company’s sources of funds are deposits; amortization, prepayments, and maturities of outstanding loans; other short- term investments; and funds provided from operations.

Stock Forecast FAQ

In the current month, CZWI has received 2 Buy ratings 0 Hold ratings, and 0 Sell ratings. The CZWI average analyst price target in the past 3 months is $17.75.

  • Where Will Citizens Community Bancorp Stock Be In 1 Year?

    According to analysts, the consensus estimate is that Citizens Community Bancorp share price will rise to $17.75 per share over the next 12 months.

  • What Do Analysts Say About Citizens Community Bancorp?

    Analysts are divided on their view about Citizens Community Bancorp share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Citizens Community Bancorp is a Sell and believe this share price will drop from its current level to $17.50.

  • What Is Citizens Community Bancorp's Price Target?

    The price target for Citizens Community Bancorp over the next 1-year time period is forecast to be $17.75 according to 2 Wall Street analysts, 2 of them rate the stock a Buy, 0 rate the stock a Sell, and 0 analysts rate the stock a Hold.

  • Is CZWI A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for Citizens Community Bancorp is a Buy. 2 of 2 analysts rate the stock a Buy at this time.

  • How Can I Buy Shares Of CZWI?

    You can purchase shares of Citizens Community Bancorp via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, tastytrade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Citizens Community Bancorp shares.

  • What Is The Citizens Community Bancorp Share Price Today?

    Citizens Community Bancorp was last trading at $14.89 per share. This represents the most recent stock quote for Citizens Community Bancorp. Yesterday, Citizens Community Bancorp closed at $14.91 per share.

  • How To Buy Citizens Community Bancorp Stock Online?

    In order to purchase Citizens Community Bancorp stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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