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XNASCZWI
Market cap164mUSD
Dec 24, Last price  
16.37USD
1D
0.00%
1Q
16.18%
Jan 2017
31.70%
Name

Citizens Community Bancorp Inc

Chart & Performance

D1W1MN
XNAS:CZWI chart
P/E
12.58
P/S
2.81
EPS
1.30
Div Yield, %
1.85%
Shrs. gr., 5y
-1.22%
Rev. gr., 5y
84.54%
Revenues
59m
-12.88%
8,098,8389,955,2619,747,00012,183,00014,304,00018,258,00023,283,00025,755,00021,705,00022,314,00023,174,00022,479,00023,992,00026,736,0002,735,00056,318,00068,399,00069,690,00067,194,00058,537,000
Net income
13m
-26.47%
836,5451,051,070446,000743,0001,474,000-3,183,000-7,091,000193,000206,0001,047,0001,783,0002,614,0003,114,0002,499,0004,283,0009,463,00012,725,00021,266,00017,761,00013,059,000
CFO
13m
-55.19%
1,197,4961,748,4323,758,000-1,210,0002,368,0003,778,0006,431,00011,470,0009,078,0006,638,0007,943,0005,777,0005,698,0003,921,00010,855,00012,836,00023,785,00021,599,00029,288,00013,124,000
Dividend
Feb 08, 20240.32 USD/sh
Earnings
Jan 27, 2025

Profile

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.
URL
https://ccf.us/
IPO date
Mar 30, 2004
Employees
210
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122018‑092017‑092016‑092015‑09
Income
Revenues
58,537
-12.88%
67,194
-3.58%
69,690
1.89%
Cost of revenue
(12,632)
23,615
24,260
Unusual Expense (Income)
NOPBT
71,169
43,579
45,430
NOPBT Margin
121.58%
64.86%
65.19%
Operating Taxes
5,873
5,820
7,693
Tax Rate
8.25%
13.36%
16.93%
NOPAT
65,296
37,759
37,737
Net income
13,059
-26.47%
17,761
-16.48%
21,266
67.12%
Dividends
(3,040)
(2,742)
(2,511)
Dividend yield
2.48%
2.17%
1.70%
Proceeds from repurchase of equity
(550)
(1,843)
84,350
BB yield
0.45%
1.46%
-57.10%
Debt
Debt current
117,539
11,558
Long-term debt
83,602
216,345
171,623
Deferred revenue
Other long-term liabilities
1,595,592
(214,939)
(169,953)
Net debt
24,966
18,274
(359,931)
Cash flow
Cash from operating activities
13,124
29,288
21,599
CAPEX
(1,367)
(3,602)
(3,778)
Cash from investing activities
(34,205)
(119,187)
(163,201)
Cash from financing activities
22,856
77,571
69,853
FCF
(1,000,990)
399,703
230,810
Balance
Cash
37,138
35,612
252,270
Long term investments
21,498
279,998
290,842
Excess cash
55,709
312,250
539,628
Stockholders' equity
53,893
47,848
50,941
Invested Capital
1,797,498
660,712
726,840
ROIC
5.31%
5.44%
4.85%
ROCE
3.84%
6.15%
5.84%
EV
Common stock shares outstanding
10,470
10,514
10,727
Price
11.71
-2.66%
12.03
-12.64%
13.77
26.45%
Market cap
122,604
-3.07%
126,483
-14.37%
147,711
21.52%
EV
147,570
144,757
(212,220)
EBITDA
74,910
47,607
49,472
EV/EBITDA
1.97
3.04
Interest
35,899
13,028
10,368
Interest/NOPBT
50.44%
29.90%
22.82%