CZWI

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% undervalued

Profile

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) Valuation

CZWI Fair Value Estimate

$32.0455.7% undervalued

Blended fair value estimate based on DCF, Graham Number, and earnings-based models.

CZWI Valuation Metrics

FCF$10.38M

FCF Growth Rate8.50%

EPS Growth (CAGR)7.27%

WACC10.00%

Fair Value Models

Graham Number, PEG-based, and Earnings-based models

View Fair Value →

CZWI Valuation & Fair Value Analysis

Citizens Community Bancorp Inc MD (CZWI) valuation analysis using multiple fair value methodologies. GoodMoat calculates a blended fair value target using discounted cash flow (DCF) analysis, the Graham Number, and earnings-based valuation models.

The GoodMoat Fair Value target for Citizens Community Bancorp Inc MD is $32.04. The current stock price is $20.58, suggesting the stock is 55.7% undervalued.

The price-to-earnings (P/E) ratio is 13.23. Price-to-book ratio is 1.05. Price-to-sales ratio is 3.23. Enterprise value to EBITDA is 4.89. PEG ratio is 0.60.

GoodMoat's valuation models include the Graham Number (based on EPS and book value), an earnings-based model (discounted future EPS), and a PEG-adjusted valuation. The three models are averaged to produce a blended fair value estimate. Use these tools alongside the DCF calculator and reverse DCF to form a comprehensive view of Citizens Community Bancorp Inc MD's intrinsic value.