Citizens Community Bancorp, Inc.
Citizens Community Bancorp, Inc. Fundamental Analysis
Citizens Community Bancorp, Inc. (CZWI) shows moderate financial fundamentals with a PE ratio of 13.92, profit margin of 16.01%, and ROE of 7.81%. The company generates $0.1B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 61.0/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze CZWI's fundamental strength across five key dimensions:
Efficiency Score
WeakCZWI struggles to generate sufficient returns from assets.
Valuation Score
ExcellentCZWI trades at attractive valuation levels.
Growth Score
ModerateCZWI shows steady but slowing expansion.
Financial Health Score
ExcellentCZWI maintains a strong and stable balance sheet.
Profitability Score
ModerateCZWI maintains healthy but balanced margins.
Key Financial Metrics
Is CZWI Expensive or Cheap?
P/E Ratio
CZWI trades at 13.92 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, CZWI's PEG of 1.06 indicates fair valuation.
Price to Book
The market values Citizens Community Bancorp, Inc. at 1.07 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 29.92 times EBITDA. This signals the market has high growth expectations.
How Well Does CZWI Make Money?
Net Profit Margin
For every $100 in sales, Citizens Community Bancorp, Inc. keeps $16.01 as profit after all expenses.
Operating Margin
Core operations generate 7.01 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $7.81 in profit for every $100 of shareholder equity.
ROA
Citizens Community Bancorp, Inc. generates $0.81 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Citizens Community Bancorp, Inc. produces operating cash flow of $11.60M, showing steady but balanced cash generation.
Free Cash Flow
Citizens Community Bancorp, Inc. generates strong free cash flow of $11.11M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $1.15 in free cash annually.
FCF Yield
CZWI converts 5.62% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
13.92
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.06
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.07
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.21
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.28
vs 25 benchmark
Current Ratio
Current assets to current liabilities
3015.31
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.08
vs 25 benchmark
ROA
Return on assets percentage
0.008
vs 25 benchmark
ROCE
Return on capital employed
0.004
vs 25 benchmark
How CZWI Stacks Against Its Sector Peers
| Metric | CZWI Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 13.92 | 19.21 | Better (Cheaper) |
| ROE | 7.81% | 817.00% | Weak |
| Net Margin | 16.01% | -464.00% (disorted) | Strong |
| Debt/Equity | 0.28 | 12.73 | Strong (Low Leverage) |
| Current Ratio | 3015.31 | 659.50 | Strong Liquidity |
| ROA | 0.81% | -24814.00% (disorted) | Weak |
CZWI outperforms its industry in 4 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Citizens Community Bancorp, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical