CZWI - Citizens Community Bancorp Inc-WI Stock Price, Fair Value and News

11.60USD+0.10 (+0.87%)Delayed

Market Summary

USD11.60+0.10

Delayed

0.87%

CZWI Alerts

1 major insider buys recently.

CZWI Stock Price

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CZWI RSI Chart

CZWI Valuation

Market Cap

120.7M

Price/Earnings (Trailing)

8.95

Price/Sales (Trailing)

1.38

EV/EBITDA

1.43

Price/Free Cashflow

6.31

CZWI Price/Sales (Trailing)

CZWI Profitability

EBT Margin

22.01%

Return on Equity

7.8%

Return on Assets

0.74%

Free Cashflow Yield

15.84%

CZWI Fundamentals

CZWI Revenue

Revenue (TTM)

87.3M

Rev. Growth (Yr)

15.28%

Rev. Growth (Qtr)

2.96%

CZWI Earnings

Earnings (TTM)

13.5M

Earnings Growth (Yr)

11.63%

Earnings Growth (Qtr)

10.7%

Breaking Down CZWI Revenue

Last 7 days

2.7%

Last 30 days

6.8%

Last 90 days

-0.8%

Trailing 12 Months

44.6%

How does CZWI drawdown profile look like?

CZWI Financial Health

CZWI Investor Care

Dividend Yield

2.76%

Dividend/Share (TTM)

0.32

Buy Backs (1Y)

0.74%

Diluted EPS (TTM)

1.3

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2024	87.3M	0	0	0
2023	73.7M	77.8M	81.6M	84.2M
2022	63.8M	65.0M	66.8M	69.4M
2021	63.2M	62.8M	63.8M	64.0M
2020	63.6M	65.2M	64.2M	64.5M
2019	46.9M	51.5M	57.3M	60.4M
2018	33.2M	36.3M	38.9M	42.5M
2017	27.2M	27.3M	27.9M	30.3M
2016	22.8M	23.5M	25.1M	26.1M
2015	23.7M	23.4M	23.0M	22.7M
2014	24.1M	24.1M	24.0M	23.9M
2013	25.5M	25.1M	24.6M	24.3M
2012	28.1M	27.3M	26.9M	26.1M
2011	31.3M	30.5M	29.8M	28.9M
2010	0	31.8M	32.8M	32.0M
2009	0	0	30.9M	0

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of Citizens Community Bancorp Inc-WI

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
May 06, 2024	olson timothy l	bought	21,870	10.935	2,000	-
May 06, 2024	moll james d	bought	2,176	10.88	200	-
Mar 08, 2024	bianchi stephen m	bought	1,213	12.13	100	ceo and president
Mar 07, 2024	bianchi stephen m	bought	2,423	12.117	200	ceo and president
Jan 28, 2024	johnson rebecca	sold (taxes)	-1,411	12.17	-116	vice president/controller
Jan 28, 2024	bianchi stephen m	sold (taxes)	-7,155	12.17	-588	ceo and president
Jan 27, 2024	bianchi stephen m	sold (taxes)	-6,742	12.17	-554	ceo and president
Jan 25, 2024	conner michael r	acquired	22,488	11.88	1,893	-
Jan 25, 2024	bertrand william glen	acquired	17,499	11.88	1,473	-
Jan 25, 2024	felber francis e	acquired	22,488	11.88	1,893	-

Which funds bought or sold CZWI recently?

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Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 16, 2024	JANE STREET GROUP, LLC	new	-	181,801	181,801	-%
May 15, 2024	GENDELL JEFFREY L	added	8.66	344,622	3,049,150	0.12%
May 15, 2024	Royal Bank of Canada	unchanged	-	3,000	77,000	-%
May 15, 2024	BRIDGEWAY CAPITAL MANAGEMENT, LLC	reduced	-0.66	63,016	2,111,960	0.04%
May 15, 2024	ARROWSTREET CAPITAL, LIMITED PARTNERSHIP	new	-	507,000	507,000	-%
May 15, 2024	Tower Research Capital LLC (TRC)	sold off	-100	-13,630	-	-%
May 15, 2024	BARCLAYS PLC	sold off	-100	-8,000	-	-%
May 15, 2024	BANK OF AMERICA CORP /DE/	new	-	5,443	5,443	-%
May 15, 2024	FIRST MANHATTAN CO. LLC.	unchanged	-	23,154	639,381	-%
May 15, 2024	MORGAN STANLEY	new	-	3,232	3,232	-%

Are Funds Buying or Selling CZWI?

Are funds buying CZWI calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own CZWI

No. of Funds

CZWI Alerts

1 major insider buys recently.

Unveiling Citizens Community Bancorp Inc-WI's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 14, 2024	alliancebernstein l.p.	9.5%	999,534	SC 13G/A
Feb 13, 2024	manulife financial corp	5.15%	-	SC 13G/A
Feb 08, 2024	banc funds co llc	3.1%	320,457	SC 13G/A
Jul 11, 2023	fj capital management llc	9.06%	951,594	SC 13G/A
Feb 14, 2023	alliancebernstein l.p.	7.7%	806,364	SC 13G/A
Feb 14, 2023	manulife financial corp	6.16%	-	SC 13G/A
Feb 06, 2023	banc funds co llc	3.1%	328,759	SC 13G/A
Feb 16, 2022	manulife financial corp	6.29%	-	SC 13G
Feb 14, 2022	alliancebernstein l.p.	7.1%	744,236	SC 13G
Feb 14, 2022	fourthstone llc	0.39%	40,789	SC 13G/A

Recent SEC filings of Citizens Community Bancorp Inc-WI

View All Filings

Date Filed	Form Type	Document
May 16, 2024	4	Insider Trading
May 15, 2024	4	Insider Trading
May 08, 2024	10-Q	Quarterly Report
May 07, 2024	4	Insider Trading
May 07, 2024	4	Insider Trading
Apr 29, 2024	DEF 14A	DEF 14A
Apr 29, 2024	8-K	Current Report
Mar 11, 2024	4	Insider Trading
Mar 05, 2024	8-K	Current Report
Mar 05, 2024	10-K	Annual Report

Peers (Alternatives to Citizens Community Bancorp Inc-WI)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	588.1B	174.7B	13.73%	46.82%	11.68	3.37	53.11%	19.83%
BAC	307.4B	137.9B	11.58%	38.08%	12.28	2.23	56.12%	-12.56%
WFC	213.0B	85.8B	6.86%	51.95%	11.35	2.48	35.02%	26.14%
C	122.2B	125.0B	10.16%	38.13%	15.29	0.98	37.85%	-
CFG	16.9B	10.4B	12.51%	41.04%	11.81	1.62	26.22%	-33.87%
KEY	14.5B	8.1B	6.72%	53.23%	16.61	1.78	32.15%	-50.93%
MID-CAP
CMA	7.3B	4.2B	10.08%	41.38%	10.46	1.71	34.68%	-45.96%
ZION	6.6B	4.1B	14.23%	65.05%	10.55	1.63	32.93%	-30.73%
ABCB	3.5B	1.3B	13.35%	57.95%	12.32	2.65	30.60%	-12.99%
ASB	3.4B	2.0B	11.57%	43.03%	20.88	1.65	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	417.1M	173.1M	15.06%	27.00%	14.3	2.41	26.54%	-34.86%
ALRS	390.4M	152.4M	-0.90%	32.84%	39.27	2.56	16.94%	-73.84%
ACNB	295.5M	98.7M	10.19%	20.01%	10.04	2.99	6.27%	-22.90%
ASRV	48.0M	62.5M	8.95%	-1.75%	-16.24	0.77	18.83%	-145.18%

Citizens Community Bancorp Inc-WI News

Latest updates

Citizens Community Bancorp Inc-WI Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	3.0%	23.00	22.00	22.00	21.00	20.00	19.00	18.00	17.00	15.00	17.00	16.00	15.00	16.00	17.00	15.00	16.00	17.00	16.00	16.00	14.00	14.00
EBITDA Margin	-11.0%	0.74*	0.83*	0.91*	0.99*	1.09*	1.19*	1.26*	1.31*	1.32*	1.33*	1.26*	1.22*	-	-	-	-	-	-	-	-	-
Interest Expenses	-39.7%	7.00	12.00	12.00	12.00	13.00	14.00	14.00	14.00	13.00	14.00	14.00	13.00	13.00	13.00	12.00	12.00	13.00	12.00	12.00	10.00	10.00
Income Taxes	12.9%	1.00	1.00	3.00	1.00	1.00	2.00	1.00	1.00	2.00	2.00	2.00	2.00	2.00	1.00	1.00	1.00	1.00	1.00	0.00	2.00	0.00
Earnings Before Taxes	11.2%	5.00	5.00	5.00	4.00	5.00	6.00	5.00	6.00	6.00	8.00	7.00	6.00	7.00	5.00	5.00	4.00	4.00	4.00	2.00	6.00	1.00
EBT Margin	-2.0%	0.22*	0.22*	0.25*	0.27*	0.30*	0.34*	0.38*	0.42*	0.43*	0.45*	0.40*	0.37*	-	-	-	-	-	-	-	-	-
Net Income	10.7%	4.00	4.00	2.00	3.00	4.00	5.00	4.00	4.00	5.00	6.00	5.00	5.00	6.00	4.00	3.00	3.00	3.00	3.00	1.00	4.00	1.00
Net Income Margin	-0.3%	0.15*	0.16*	0.17*	0.20*	0.23*	0.26*	0.29*	0.31*	0.32*	0.33*	0.29*	0.27*	-	-	-	-	-	-	-	-	-
Free Cashflow	164.5%	9.00	3.00	5.00	2.00	2.00	7.00	3.00	7.00	8.00	3.00	6.00	-3.97	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	-1.7%	1,819	1,851	1,831	1,830	1,861	1,816	1,780	1,764	1,775	1,740	1,753	1,714	1,732	1,649	1,623	1,608	1,505	1,531	1,475	1,348	1,327
Cash Equivalents	-22.9%	29.00	37.00	33.00	43.00	65.00	35.00	29.00	32.00	84.00	48.00	102	128	196	119	115	40.00	41.00	56.00	52.00	47.00	41.00
Net PPE	-1.9%	18.00	18.00	19.00	20.00	20.00	20.00	21.00	22.00	21.00	21.00	22.00	21.00	21.00	21.00	22.00	21.00	21.00	21.00	21.00	15.00	13.00
Goodwill	0%	31.00	31.00	31.00	31.00	31.00	31.00	31.00	31.00	31.00	31.00	31.00	31.00	31.00	31.00	31.00	31.00	31.00	31.00	32.00	0.00	31.00
Liabilities	-1.9%	1,646	1,678	1,666	1,664	1,696	1,649	1,617	1,599	1,610	1,569	1,588	1,550	1,572	1,489	1,465	1,455	1,357	1,381	1,327	1,205	1,188
Shareholder's Equity	-0.3%	173	173	165	166	165	167	163	165	165	171	166	164	161	161	157	153	148	151	148	143	138
Retained Earnings	1.0%	72.00	71.00	67.00	65.00	62.00	65.00	61.00	57.00	53.00	51.00	45.00	40.00	36.00	33.00	29.00	26.00	23.00	23.00	19.00	18.00	14.00
Additional Paid-In Capital	-0.4%	119	119	120	119	119	119	120	120	120	120	120	122	125	126	128	128	128	129	129	126	126
Shares Outstanding	-0.3%	10.00	10.00	10.00	10.00	10.00	10.00	10.00	11.00	11.00	11.00	11.00	11.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	-	80.00	-	-	-	124	-	-	-	139	-	-	-	73.00	-	-	-	114	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	130.0%	9,090	3,952	4,820	2,532	1,820	8,555	4,286	7,588	8,859	3,979	7,347	-3,256	13,529	7,715	5,615	1,196	9,259	6,353	2,657	4,383	-557
Cashflow From Investing	281.4%	18,046	-9,946	-15,860	7,530	-15,929	-32,272	-25,810	-48,758	-12,347	-37,649	-68,089	-48,776	-8,687	-26,279	56,988	-96,128	3,604	-53,264	23,815	4,147	-38,031
Cashflow From Financing	-436.2%	-35,636	10,600	603	-32,143	43,796	29,669	19,192	-11,451	40,161	-20,980	34,643	-15,567	71,757	22,530	13,290	93,166	-27,356	50,475	-21,204	-2,880	34,168
Dividend Payments	-	3,346	-	-	-	3,040	-	-	-	2,742	-	-	-	2,511	-	-	-	2,372	-	-	-	2,198
Buy Backs	96.7%	598	304	-	117	-	785	691	-	288	228	2,514	2,634	2,575	982	-	-	1,838	-	-	-	-

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CZWI Income Statement

2024-03-31

Consolidated Statements of Operations (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest and dividend income:
Interest and fees on loans	$ 20,168	$ 17,126
Interest on investments	2,511	2,547
Total interest and dividend income	22,679	19,673
Interest expense:
Interest on deposits	9,209	4,348
Interest on FHLB and FRB borrowed funds	512	1,493
Interest on other borrowed funds	1,053	1,037
Total interest expense	10,774	6,878
Net interest income before provision for credit losses	11,905	12,795
Provision for credit losses	(800)	50
Net interest income after provision for credit losses	12,705	12,745
Non-interest income:
Service charges on deposit accounts	471	485
Interchange income	541	551
Loan servicing income	582	569
Gain on sale of loans	1,020	298
Loan fees and service charges	230	80
Net gains on investment and equity securities	167	56
Other	253	253
Total non-interest income	3,264	2,292
Non-interest expense:
Compensation and related benefits	5,483	5,338
Occupancy	1,367	1,423
Data processing	1,597	1,460
Amortization of intangible assets	179	204
Mortgage servicing rights expense, net	148	158
Advertising, marketing and public relations	164	136
FDIC premium assessment	205	201
Professional services	566	505
Losses (gains) on repossessed assets, net	0	(29)
Other	1,068	725
Total non-interest expense	10,777	10,121
Income before provision for income taxes	5,192	4,916
Provision for income taxes	1,104	1,254
Net income attributable to common stockholders	$ 4,088	$ 3,662
Per share information:
Basic earnings (USD per share)	$ 0.39	$ 0.35
Diluted earnings (USD per share)	0.39	0.35
Cash dividends paid (USD per share)	$ 0.32	$ 0.29

CZWI Balance Sheet

2024-03-31

Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Assets
Cash and cash equivalents	$ 28,638	$ 37,138
Other interest bearing deposits	0	0
Available for sale ("AFS") securities, at fair value (amortized cost of $176,564, net of allowance for credit losses of $0 at March 31, 2024 and amortized cost of $179,744, net of allowance for credit losses of $0 at December 31, 2023)	151,672	155,743
Held to maturity ("HTM") securities, at amortized cost (fair value of $70,270, net of allowance for credit losses of $0 at March 31, 2024 and fair value of $73,262, net of allowance for credit losses of $0 at December 31, 2023)	89,942	91,229
Equity investments	3,281	3,284
Other investments	13,022	15,725
Loans receivable	1,450,159	1,460,792
Allowance for credit losses	(22,436)	(22,908)
Loans receivable, net	1,427,723	1,437,884
Loans held for sale	0	5,773
Mortgage servicing rights, net	3,774	3,865
Office properties and equipment, net	18,026	18,373
Accrued interest receivable	6,324	5,409
Intangible assets	1,515	1,694
Goodwill	31,498	31,498
Foreclosed and repossessed assets, net	1,845	1,795
Bank owned life insurance ("BOLI")	25,836	25,647
Other assets	16,219	16,334
TOTAL ASSETS	1,819,315	1,851,391
Liabilities:
Deposits	1,527,489	1,519,092
Federal Home Loan Bank (“FHLB”) advances	39,500	79,530
Other borrowings	67,523	67,465
Other liabilities	11,982	11,970
Total liabilities	1,646,494	1,678,057
Stockholders’ Equity:
Common stock—$0.01 par value, authorized 30,000,000; 10,406,880 and 10,440,591 shares issued and outstanding, respectively	104	104
Additional paid-in capital	118,916	119,441
Retained earnings	71,831	71,117
Accumulated other comprehensive loss	(18,030)	(17,328)
Total stockholders’ equity	172,821	173,334
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 1,819,315	$ 1,851,391

About Citizens Community Bancorp Inc-WI

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. The company was founded in 1938 and is based in Eau Claire, Wisconsin.

CEO	Mr. Stephen M. Bianchi
WEBSITE	ccf.us
INDUSTRY	Banks Diversified
EMPLOYEES	210

Citizens Community Bancorp Inc-WI Frequently Asked Questions

What is the ticker symbol for Citizens Community Bancorp Inc-WI? What does CZWI stand for in stocks?

CZWI is the stock ticker symbol of Citizens Community Bancorp Inc-WI. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Citizens Community Bancorp Inc-WI (CZWI)?

As of Fri May 17 2024, market cap of Citizens Community Bancorp Inc-WI is 120.71 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of CZWI stock?

You can check CZWI's fair value in chart for subscribers.

What is the fair value of CZWI stock?

You can check CZWI's fair value in chart for subscribers. The fair value of Citizens Community Bancorp Inc-WI is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Citizens Community Bancorp Inc-WI is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for CZWI so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Citizens Community Bancorp Inc-WI a good stock to buy?

The fair value guage provides a quick view whether CZWI is over valued or under valued. Whether Citizens Community Bancorp Inc-WI is cheap or expensive depends on the assumptions which impact Citizens Community Bancorp Inc-WI's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for CZWI.

What is Citizens Community Bancorp Inc-WI's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, CZWI's PE ratio (Price to Earnings) is 8.95 and Price to Sales (PS) ratio is 1.38. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. CZWI PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Citizens Community Bancorp Inc-WI's stock?

In the past 10 years, Citizens Community Bancorp Inc-WI has provided 0.05 (multiply by 100 for percentage) rate of return.