Citizens Community Bancorp Inc MD
Exchange: NASDAQSector: Financial ServicesIndustry: Banks - Regional
Citizens Community Bancorp, Inc. is a unitary savings and loan holding company. Its primary activities consist of holding the stock of its wholly owned subsidiary bank, Citizens Community Federal (the Bank), and providing consumer banking activities through the Bank. At September 30, 2010, the Company had approximately $594 million in total assets, $476 million in deposits, and $50 million in equity. The Bank is a federally chartered stock savings institution with 26 full-service offices, eight locations and 18 in-store branches, in Wal-Mart Supercenter branches. Through all of its branch locations, the Bank provides a range of consumer banking products and services to customers primarily in Wisconsin, Minnesota and Michigan.
Current Price
$20.58
-1.67%GoodMoat Value
$32.04
55.7% undervaluedProfile
Valuation (TTM)
Market Cap$198.16M
P/E13.23
EV—
P/B1.05
Shares Out9.63M
P/Sales3.23
Revenue$61.30M
EV/EBITDA4.89
Citizens Community Bancorp Inc MD (CZWI) Stock Analysis
Market Cap$198.16M
Current Price$20.58
P/E Ratio13.23
Forward P/E—
PEG Ratio0.60
EPS$1.46
Book Value$19.52
P/B Ratio1.05
CZWI Financial Charts
FCF vs CAPEX
FCFCAPEX
Forward estimates use 8.5% FCF growth (CAGR)
Cash vs Debt
Net Cash: 67M
Revenue
55M
FY19
61M
FY20
69M
FY21
65M
FY22
59M
FY23
60M
FY24
60M
FY25
Net Income
9M
FY19
13M
FY20
21M
FY21
18M
FY22
13M
FY23
14M
FY24
14M
FY25
CZWI 52-Week Range
$12.82
$21.40
50-Day MA: $19.94200-Day MA: $17.59
Did you know?
Trading 56% below its estimated fair value of $32.04.
Citizens Community Bancorp Inc MD (CZWI) Financial Summary
Citizens Community Bancorp Inc MD (CZWI) is a Financial Services company in the Banks - Regional industry, listed on NASDAQ. The stock currently trades at $20.58 with a market capitalization of $198.16M.
Key valuation metrics include a P/E ratio of 13.23, price-to-book ratio of 1.05, and EPS of $1.46. The company reports a profit margin of 24.4% and return on equity of 8.0%.
CZWI Key Financial Metrics
| Metric | Value |
|---|---|
| Market Cap | $198.16M |
| P/E Ratio | 13.23 |
| EPS | $1.46 |
| P/B Ratio | 1.05 |
| P/S Ratio | 3.23 |
| EV/EBITDA | 4.89 |
| Dividend Yield | 1.82% |
| Profit Margin | 24.4% |
| Return on Equity | 8.0% |
| Debt/Equity | 0.28 |
CZWI Revenue & Earnings History
| Year | Revenue | Net Income |
|---|---|---|
| FY19 | $54.96M | $9.46M |
| FY20 | $60.95M | $12.72M |
| FY21 | $69.49M | $21.27M |
| FY22 | $65.32M | $17.76M |
| FY23 | $59.07M | $13.06M |
| FY24 | $59.76M | $13.75M |
| FY25 | $60.38M | $14.42M |
Citizens Community Bancorp Inc MD (CZWI) Valuation
Based on GoodMoat's DCF model, Citizens Community Bancorp Inc MD has a fair value estimate of $32.04. At the current price of $20.58, the stock appears 35.8% undervalued relative to our intrinsic value estimate.
CZWI Quality Indicators
Citizens Community Bancorp Inc MD maintains a profit margin of 24.4% and an operating margin of 28.9%. Return on equity stands at 8.0%. Debt-to-equity ratio is 0.28.
About Citizens Community Bancorp Inc MD
Citizens Community Bancorp, Inc. is a unitary savings and loan holding company. Its primary activities consist of holding the stock of its wholly owned subsidiary bank, Citizens Community Federal (the Bank), and providing consumer banking activities through the Bank. At September 30, 2010, the Company had approximately $594 million in total assets, $476 million in deposits, and $50 million in equity. The Bank is a federally chartered stock savings institution with 26 full-service offices, eight locations and 18 in-store branches, in Wal-Mart Supercenter branches. Through all of its branch locations, the Bank provides a range of consumer banking products and services to customers primarily in Wisconsin, Minnesota and Michigan.
CZWI Free Cash Flow
Citizens Community Bancorp Inc MD generated $10.38M in trailing twelve-month free cash flow, representing an FCF yield of 5.24%. This strong FCF yield suggests the company generates substantial cash relative to its market value.
CZWI Shares Outstanding
Citizens Community Bancorp Inc MD has 0.01 billion shares outstanding at a share price of $20.58, giving it a market capitalization of $198.16M.