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

11.00USD+0.61 (+5.87%)Delayed

Market Summary

USD11.00+0.61

Delayed

5.87%

CZWI Stock Price

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CZWI RSI Chart

CZWI Valuation

Market Cap

115.0M

Price/Earnings (Trailing)

8.81

Price/Sales (Trailing)

1.37

EV/EBITDA

1.12

Price/Free Cashflow

9.78

CZWI Price/Sales (Trailing)

CZWI Profitability

EBT Margin

22.47%

Return on Equity

7.53%

Return on Assets

0.71%

Free Cashflow Yield

10.22%

CZWI Fundamentals

CZWI Revenue

Revenue (TTM)

84.2M

Rev. Growth (Yr)

13.78%

Rev. Growth (Qtr)

1.17%

CZWI Earnings

Earnings (TTM)

13.1M

Earnings Growth (Yr)

-21.36%

Earnings Growth (Qtr)

47.84%

Breaking Down CZWI Revenue

Last 7 days

1.8%

Last 30 days

-9.5%

Last 90 days

-9.4%

Trailing 12 Months

9.1%

How does CZWI drawdown profile look like?

CZWI Financial Health

CZWI Investor Care

Dividend Yield

2.64%

Dividend/Share (TTM)

0.29

Buy Backs (1Y)

0.25%

Diluted EPS (TTM)

1.25

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
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
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	bianchi stephen m	sold (taxes)	-7,155	12.17	-588	ceo and president
Jan 28, 2024	johnson rebecca	sold (taxes)	-1,411	12.17	-116	vice president/controller
Jan 27, 2024	bianchi stephen m	sold (taxes)	-6,742	12.17	-554	ceo and president
Jan 25, 2024	amundsen nicholas william	acquired	17,499	11.88	1,473	-
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	-
Jan 25, 2024	bourget kristina m	acquired	22,488	11.88	1,893	-

Which funds bought or sold CZWI recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
Apr 29, 2024	COMMONWEALTH EQUITY SERVICES, LLC	added	26.23	55,000	234,000	-%
Apr 25, 2024	Center for Financial Planning, Inc.	unchanged	-	440	12,150	-%
Apr 25, 2024	Bank of New York Mellon Corp	sold off	-100	-145,637	-	-%
Apr 22, 2024	Raymond James Financial Services Advisors, Inc.	added	1.3	23,040	474,338	-%
Apr 18, 2024	Congress Wealth Management LLC / DE /	unchanged	-	6,596	182,135	-%
Apr 08, 2024	BEESE FULMER INVESTMENT MANAGEMENT, INC.	unchanged	-	8,263	228,153	0.02%
Mar 11, 2024	VANGUARD GROUP INC	unchanged	-	314,686	1,746,430	-%
Feb 16, 2024	HARBOUR INVESTMENTS, INC.	unchanged	-	2,110	11,710	-%
Feb 15, 2024	State of Wyoming	added	373	19,394	23,455	-%
Feb 15, 2024	BARCLAYS PLC	new	-	8,000	8,000	-%

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

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
Apr 29, 2024	8-K	Current Report
Apr 29, 2024	DEF 14A	DEF 14A
Mar 11, 2024	4	Insider Trading
Mar 05, 2024	10-K	Annual Report
Mar 05, 2024	8-K	Current Report
Feb 14, 2024	SC 13G/A	Major Ownership Report
Feb 13, 2024	SC 13G/A	Major Ownership Report
Feb 08, 2024	SC 13G/A	Major Ownership Report
Jan 29, 2024	4	Insider Trading
Jan 29, 2024	4	Insider Trading

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	552.3B	171.1B	-4.27%	35.79%	11.15	3.23	60.72%	31.52%
BAC	289.4B	127.4B	-2.40%	27.44%	11.56	2.27	44.27%	-12.56%
WFC	212.2B	85.7B	2.35%	48.02%	11.09	2.48	41.49%	39.96%
C	117.2B	133.3B	-3.02%	29.80%	12.7	0.88	79.09%	-
CFG	15.6B	10.2B	-6.01%	20.11%	9.73	1.53	44.53%	-22.43%
KEY	13.5B	7.9B	-8.35%	35.17%	13.99	1.71	46.47%	-49.56%
MID-CAP
CMA	6.7B	4.2B	-8.77%	18.05%	9.57	1.57	34.68%	-45.96%
ZION	6.0B	3.9B	-6.04%	52.05%	8.88	1.53	45.91%	-25.03%
ABCB	3.3B	1.3B	-1.86%	45.15%	12.18	2.56	43.24%	-22.35%
ASB	3.2B	1.8B	-2.05%	22.22%	19.76	1.73	32.64%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	388.8M	164.9M	-9.76%	37.38%	33.25	2.36	42.66%	-70.76%
AROW	368.6M	162.6M	-10.99%	2.96%	12.26	2.27	25.39%	-38.37%
ACNB	276.8M	96.6M	-13.46%	11.06%	8.73	2.86	11.02%	-11.37%
ASRV	41.5M	60.9M	-6.92%	-17.97%	-12.4	0.68	24.06%	-144.92%

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	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	1.2%	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	13.00
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.00
EBITDA Margin	-8.9%	0.83*	0.91*	0.99*	1.09*	1.19*	1.26*	1.31*	1.32*	1.33*	1.26*	1.22*	1.16*	-	-	-	-	-	-	-	-	-
Interest Expenses	-3.1%	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	10.00
Income Taxes	-61.6%	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	1.00
Earnings Before Taxes	-7.4%	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	2.00
EBT Margin	-10.9%	0.22*	0.25*	0.27*	0.30*	0.34*	0.38*	0.42*	0.43*	0.45*	0.40*	0.37*	0.34*	-	-	-	-	-	-	-	-	-
Net Income	47.8%	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	1.00
Net Income Margin	-10.1%	0.16*	0.17*	0.20*	0.23*	0.26*	0.29*	0.31*	0.32*	0.33*	0.29*	0.27*	0.25*	-	-	-	-	-	-	-	-	-
Free Cashflow	-27.0%	3.00	5.00	2.00	2.00	7.00	3.00	7.00	8.00	3.00	6.00	-3.97	13.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Assets	1.1%	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	1,288
Cash Equivalents	14.2%	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	46.00
Net PPE	-5.6%	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	14.00
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	32.00	0.00	31.00	31.00
Liabilities	0.7%	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	1,150
Shareholder's Equity	4.8%	173	165	166	165	167	163	165	165	171	166	164	161	161	157	153	148	151	148	143	138	138
Retained Earnings	5.5%	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	15.00
Additional Paid-In Capital	-0.1%	119	120	119	119	119	120	120	120	120	120	122	125	126	128	128	128	129	129	126	126	126
Shares Outstanding	-0.3%	10.00	10.00	10.00	10.00	10.00	10.00	11.00	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	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	-18.0%	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	3,824
Cashflow From Investing	37.3%	-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	-16,946
Cashflow From Financing	1657.9%	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	24,406
Dividend Payments	-	-	-	-	3,040	-	-	-	2,742	-	-	-	2,511	-	-	-	2,372	-	-	-	2,198	-
Buy Backs	-	304	-	117	-	785	691	-	288	228	2,514	2,634	2,575	982	-	-	1,838	-	-	-	-	-

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CZWI Income Statement

2023-12-31

Consolidated Statements of Operations - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Interest and dividend income:
Interest and fees on loans	$ 73,577	$ 61,639
Interest on investments	10,671	7,758
Total interest and dividend income	84,248	69,397
Interest expense:
Interest on deposits	25,749	6,429
Interest on FHLB borrowed funds	5,966	2,303
Interest on other borrowed funds	4,184	4,296
Total interest expense	35,899	13,028
Net interest income before provision for credit losses	48,349	56,369
Provision for credit losses	(475)	1,475
Net interest income after provision for credit losses	48,824	54,894
Non-interest income:
Service charges on deposit accounts	1,949	2,018
Interchange income	2,324	2,343
Loan servicing income	2,218	2,439
Gain on sale of loans	1,692	1,474
Loan fees and service charges	432	679
Net gains on investment securities	459	541
Other	1,176	936
Total non-interest income	10,250	10,430
Non-interest expense:
Compensation and related benefits	21,106	22,128
Occupancy	5,431	5,490
Data processing	5,951	5,453
Amortization of intangible assets	755	1,449
Mortgage servicing rights expense, net	615	222
Advertising, marketing and public relations	734	1,017
FDIC premium assessment	812	470
Professional services	1,524	1,707
Losses (gains) on repossessed assets, net	62	(395)
New market tax credit depletion	0	650
Other	3,152	3,552
Total non-interest expense	40,142	41,743
Income before provision for income taxes	18,932	23,581
Provision for income taxes	5,873	5,820
Net income attributable to common stockholders	$ 13,059	$ 17,761
Per share information:
Basic earnings (USD per share)	$ 1.25	$ 1.69
Diluted earnings (USD per share)	1.25	1.69
Cash dividends paid (USD per share)	$ 0.29	$ 0.26

CZWI Balance Sheet

2023-12-31

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Assets
Cash and cash equivalents	$ 37,138	$ 35,363
Other interest bearing deposits	0	249
Available for sale ("AFS") securities, at amortized cost of $179,744, net of allowance for credit losses of $0 at December 31, 2023	155,743	165,991
Held to maturity ("HTM") securities, at amortized cost, net of allowance for credit losses of $0 at December 31, 2023	91,229	96,379
Equity investments	3,284	1,794
Other investments	15,725	15,834
Loans receivable	1,460,792	1,411,784
Allowance for credit losses	(22,908)	(17,939)
Loans receivable, net	1,437,884	1,393,845
Loans held for sale	5,773	0
Mortgage servicing rights, net	3,865	4,262
Office properties and equipment, net	18,373	20,493
Accrued interest receivable	5,409	5,285
Intangible assets	1,694	2,449
Goodwill	31,498	31,498
Foreclosed and repossessed assets, net	1,795	1,271
Bank owned life insurance ("BOLI")	25,647	24,954
Other assets	16,334	16,719
TOTAL ASSETS	1,851,391	1,816,386
Liabilities:
Deposits	1,519,092	1,424,720
Federal Home Loan Bank ("FHLB") advances	79,530	142,530
Other borrowings	67,465	72,409
Other liabilities	11,970	9,639
Total liabilities	1,678,057	1,649,298
Stockholders’ Equity:
Common stock— $0.01 par value, authorized 30,000,000; 10,440,591 and 10,425,119 shares issued and outstanding, respectively	104	104
Additional paid-in capital	119,441	119,240
Retained earnings	71,117	65,400
Accumulated other comprehensive loss	(17,328)	(17,656)
Total stockholders’ equity	173,334	167,088
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 1,851,391	$ 1,816,386

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 Tue Apr 30 2024, market cap of Citizens Community Bancorp Inc-WI is 115.03 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 Tue Apr 30 2024, CZWI's PE ratio (Price to Earnings) is 8.81 and Price to Sales (PS) ratio is 1.37. 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 0.046 (multiply by 100 for percentage) rate of return.