Citizens Community Bancorp, Inc. (CZWI) 10-Year Financial Performance & Capital Metrics

CZWI • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingMidwest Community Banks

AboutCitizens 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. It operates through a network of 25 full-service branch in Wisconsin and Minnesota. Citizens Community Bancorp, Inc. was founded in 1938 and is based in Eau Claire, Wisconsin.Show more

Net Interest Income $46M -3.9%
Total Revenue $99M +5.3%
Net Income $14M +5.3%
Return on Equity 7.8% +1.7%
Net Interest Margin 2.66% +1.8%
Efficiency Ratio 42.25% -0.4%
ROA 0.76% +7.3%
Equity / Assets 10.24% +9.4%
Book Value per Share 17.55 +6.0%
Tangible BV/Share 14.01 +7.6%
Debt/Equity 0.38 -55.4%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong Piotroski F-Score: 8/9
✓Efficient operations: 42.3% efficiency ratio
✓Well capitalized: 10.2% equity/assets
✓Share count reduced 2.5% through buybacks
✓Trading near 52-week high
✓Trading at only 1.0x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y13.74%

5Y6.31%

3Y7.49%

TTM-

Profit (Net Income) CAGR

10Y22.66%

5Y7.76%

3Y-13.53%

TTM-12.83%

EPS CAGR

10Y14.7%

5Y9.53%

3Y-12.2%

TTM-8.51%

ROCE

10Y Avg4.82%

5Y Avg6.14%

3Y Avg5.82%

Latest5.89%

Peer Comparison

Midwest Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TFSLTFS Financial Corporation	3.97B	14.13	44.16	4.37%	11.49%	4.41%	1.15%	2.57
ASBAssociated Banc-Corp	4.43B	26.70	37.08	4.42%	5.85%	3.62%	12.08%	0.69
ASBAAssociated Banc-Corp	4.11B	24.78	30.98	-6.56%	12.92%	3.77%	13.02%	0.17
BANFBancFirst Corporation	3.81B	114.30	17.75	12.28%	23.81%	13.33%	5.89%	0.05
SYBTStock Yards Bancorp, Inc.	2.03B	68.83	17.69	15.84%	22.86%	12.99%	6.56%	0.53
PRKPark National Corporation	2.63B	163.76	17.57	14.4%	23.46%	13.22%	6.44%	0.24
NICNicolet Bankshares, Inc.	1.97B	133.08	16.53	24.6%	23.88%	11.4%	5.95%	0.14
LKFNLakeland Financial Corporation	1.52B	59.47	16.38	9.38%	21.74%	13.06%	6.18%

Profit & Loss

	Sep 2015	Sep 2016	Sep 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	18.57M	20.08M	22.27M	30.3M	43.51M	50.26M	53.67M	56.37M	48.35M	46.47M
NII Growth %	-0.06%	0.08%	0.11%	0.36%	0.44%	0.15%	0.07%	0.05%	-0.14%	-0.04%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	23M	25.08M	27.88M	38.9M	60.42M	64.53M	64.03M	69.4M	84.25M	89.61M
Interest Expense	4.44M	5.01M	5.61M	8.59M	16.91M	14.27M	10.37M	13.03M	35.9M	43.14M
Loan Loss Provision	656K	75K	319K	-8.59M	3.52M	7.75M	0	1.48M	-475K	-3.17M
Non-Interest Income+	3.91M	3.92M	4.44M	-36.16M	12.8M	18.14M	16.02M	10.82M	10.19M	9.81M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	26.92M	29M	32.31M	2.73M	73.23M	82.67M	80.06M	80.22M	94.44M	99.43M
Revenue Growth %	-0.02%	0.08%	0.11%	-0.92%	25.77%	0.13%	-0.03%	0%	0.18%	0.05%
Non-Interest Expense	17.4M	20.06M	22.56M	26.85M	40.52M	43.37M	40.73M	42.14M	40.08M	42.01M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	4.42M	3.86M	3.82M	11.78M	12.28M	17.28M	28.96M	23.58M	18.93M	17.45M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.56%	-0.13%	-0.01%	2.08%	0.04%	0.41%	0.68%	-0.19%	-0.2%	-0.08%
Pretax Income+	4.42M	3.86M	3.82M	6.61M	12.28M	17.28M	28.96M	23.58M	18.93M	17.45M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	1.61M	1.29M	1.32M	2.33M	2.81M	4.55M	7.69M	5.82M	5.87M	3.7M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	2.81M	2.57M	2.5M	4.28M	9.46M	12.72M	21.27M	17.76M	13.06M	13.75M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.57%	-0.08%	-0.03%	0.71%	1.21%	0.34%	0.67%	-0.16%	-0.26%	0.05%
Net Income (Continuing)	2.81M	2.57M	2.5M	4.2M	9.46M	12.72M	21.27M	17.76M	13.06M	13.75M
EPS (Diluted)+	0.50	0.59	0.46	0.38	0.85	1.14	1.98	1.69	1.25	1.34
EPS Growth %	0.47%	0.18%	-0.22%	-0.17%	1.24%	0.34%	0.74%	-0.15%	-0.26%	0.07%
EPS (Basic)	0.50	0.59	0.47	0.39	0.85	1.14	1.98	1.69	1.25	1.34
Diluted Shares Outstanding	5.23M	5.28M	5.38M	11.13M	11.12M	11.16M	10.73M	10.51M	10.47M	10.2M

Balance Sheet

	Sep 2015	Sep 2016	Sep 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	18.47M	21.19M	49.83M	53.24M	60.58M	123.19M	49.2M	35.61M	37.14M	50.17M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	0	140K	0	1000K	1000K
Total Investments+	546.72M	635.72M	838.01M	1.15B	1.37B	1.43B	1.59B	1.66B	1.7B	1.59B
Investments Growth %	0.01%	0.16%	0.32%	0.37%	0.19%	0.04%	0.12%	0.04%	0.02%	-0.07%
Long-Term Investments	459.56M	554.59M	742.13M	1B	1.19B	1.43B	1.59B	1.66B	1.62B	1.51B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	4.66M	10.44M	31.47M	31.5M	31.5M	31.5M	31.5M	31.5M	31.5M
Intangible Assets	90K	829K	7.33M	11.99M	11.87M	8.75M	8.06M	6.71M	5.56M	4.64M
PP&E (Net)	2.8M	5.17M	9.64M	13.51M	21.11M	21.16M	21.17M	20.49M	18.37M	17.07M
Other Assets	12.1M	16.77M	22.11M	23.69M	30.28M	32.3M	34.22M	56.27M	56.78M	53.74M
Total Current Assets	107.22M	104.4M	149M	204.27M	245.44M	128.84M	53.26M	40.9M	116.03M	128.7M
Total Non-Current Assets	474.55M	582.02M	791.66M	1.08B	1.29B	1.52B	1.69B	1.78B	1.74B	1.62B
Total Assets+	581.77M	686.41M	940.66M	1.29B	1.53B	1.65B	1.74B	1.82B	1.85B	1.75B
Asset Growth %	0.02%	0.18%	0.37%	0.37%	0.19%	0.08%	0.05%	0.04%	0.02%	-0.06%
Return on Assets (ROA)	0%	0%	0%	0%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	58.89M	84.49M	120.32M	134.46M	174.53M	181.83M	169.95M	214.94M	147M	67.68M
Net Debt	40.42M	63.3M	70.49M	81.22M	113.95M	58.63M	120.75M	179.33M	109.86M	16.43M
Long-Term Debt	58.89M	84.49M	120.32M	134.46M	174.53M	181.83M	169.95M	214.94M	147M	61.61M
Short-Term Debt	0	0	0	0	0	0	0	0	0	5.49M
Other Liabilities	3.91M	2.98M	4.36M	7.76M	10.46M	11.45M	11.27M	9.64M	11.97M	1.51B
Total Current Liabilities	457.73M	535.11M	742.5M	1.01B	1.2B	1.3B	1.39B	1.42B	1.52B	1.49B
Total Non-Current Liabilities	62.8M	87.48M	124.68M	142.22M	184.99M	193.28M	181.23M	224.58M	158.97M	1.57B
Total Liabilities	520.53M	622.59M	867.18M	1.15B	1.38B	1.49B	1.57B	1.65B	1.68B	1.57B
Total Equity+	61.24M	63.83M	73.48M	138.19M	150.55M	160.56M	170.87M	167.09M	173.33M	179.08M
Equity Growth %	0.07%	0.04%	0.15%	0.88%	0.09%	0.07%	0.06%	-0.02%	0.04%	0.03%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.05%	0.04%	0.04%	0.04%	0.07%	0.08%	0.13%	0.11%	0.08%	0.08%
Book Value per Share	11.71	12.09	13.66	12.41	13.54	14.38	15.93	15.89	16.56	17.55
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	52K	53K	59K	109K	113K	111K	105K	104K	104K	100K
Additional Paid-in Capital	54.74M	54.98M	63.38M	125.51M	128.86M	126.15M	119.92M	119.24M	119.44M	114.56M
Retained Earnings	7.11M	10.05M	10.76M	15.26M	22.52M	32.81M	50.67M	65.4M	71.12M	80.84M
Accumulated OCI	-404K	-1.05M	-267K	-1.84M	-471K	1.49M	161K	-17.66M	-17.33M	-16.42M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Sep 2015	Sep 2016	Sep 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	5.78M	5.7M	1.91M	10.86M	12.84M	23.79M	21.6M	29.29M	13.12M	20.18M
Operating CF Growth %	-0.26%	-0.01%	-0.66%	4.67%	0.18%	0.85%	-0.09%	0.36%	-0.55%	0.54%
Net Income	2.81M	2.57M	2.5M	4.28M	9.46M	12.72M	21.27M	17.76M	13.06M	13.75M
Depreciation & Amortization	1.44M	1.18M	1.12M	2.03M	4.17M	6.63M	4.04M	4.03M	3.74M	3.42M
Deferred Taxes	-141K	449K	1.95M	-194K	-752K	-2.53M	930K	1.16M	202K	380K
Other Non-Cash Items	1.7M	1.17M	585K	1.62M	548K	-1.35M	-7.62M	7.88M	-4.73M	1.69M
Working Capital Changes	-84K	296K	-4.27M	3.1M	-609K	8.3M	2.97M	-1.54M	848K	936K
Cash from Investing+	285K	49.27M	13.79M	-49.46M	-63.33M	-61.81M	-163.2M	-119.19M	-34.2M	113.74M
Purchase of Investments	-54.23M	-19.66M	-34.87M	-36.93M	-55.21M	-72.66M	-171.29M	-53.3M	-12.36M	-450K
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	20.66M	-18.97M	0	-8.14M	1.13M	0	0	0	13K
Other Investing	17.39M	11.35M	20.59M	-20.46M	-53.83M	-58.33M	-70.8M	-98.3M	-47.6M	92.84M
Cash from Financing+	6.38M	-68.8M	15.93M	31.43M	60.56M	101.63M	69.85M	77.57M	22.86M	-120.88M
Dividends Paid	-418K	-629K	-842K	-1.18M	-2.2M	-2.37M	-2.51M	-2.74M	-3.04M	-3.35M
Share Repurchases	-36K	-50K	-38K	-34K	-53K	-2.85M	-7.98M	-1.91M	-550K	-6.22M
Stock Issued	0	0	0	61.27M	3.1M	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	0	1000K	1000K	-1000K	1000K	1000K	-1000K	1000K	-1000K	-1000K
Other Financing	6.83M	-76.52M	-33.22M	4.08M	39.76M	99.67M	92.46M	37.66M	94.61M	-30.71M
Net Change in Cash+	12.44M	-13.83M	31.63M	-7.18M	10.06M	63.6M	-71.75M	-12.33M	1.77M	13.03M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	11.43M	23.87M	10.05M	41.68M	45.78M	55.84M	119.44M	47.69M	35.36M	37.14M
Cash at End	23.87M	10.05M	41.68M	34.49M	55.84M	119.44M	47.69M	35.36M	37.14M	50.17M
Interest Paid	3.32M	4.85M	5.3M	8.47M	17.79M	13.93M	10.58M	12.64M	33.53M	39.56M
Income Taxes Paid	1.21M	1.48M	1.62M	1.16M	3.85M	7.87M	6.83M	4.87M	3.98M	2.32M
Free Cash Flow+	5.45M	4.74M	1.3M	7.9M	6.07M	21.21M	17.82M	25.69M	11.76M	19.29M
FCF Growth %	-0.26%	-0.13%	-0.72%	5.06%	-0.23%	2.5%	-0.16%	0.44%	-0.54%	0.64%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	4.73%	4.11%	3.64%	4.05%	6.55%	8.18%	12.83%	10.51%	7.67%	7.8%
Return on Assets (ROA)	0.49%	0.41%	0.31%	0.38%	0.67%	0.8%	1.26%	1%	0.71%	0.76%
Net Interest Margin	3.19%	2.92%	2.37%	2.35%	2.84%	3.05%	3.08%	3.1%	2.61%	2.66%
Efficiency Ratio	64.65%	69.17%	69.82%	981.57%	55.33%	52.46%	50.88%	52.53%	42.44%	42.25%
Equity / Assets	10.53%	9.3%	7.81%	10.73%	9.83%	9.74%	9.82%	9.2%	9.36%	10.24%
Book Value / Share	11.71	12.09	13.66	12.41	13.54	14.38	15.93	15.89	16.56	17.55
NII Growth	-6.03%	8.14%	10.91%	36.08%	43.59%	15.49%	6.79%	5.03%	-14.23%	-3.88%
Dividend Payout	14.9%	24.45%	33.69%	27.57%	23.23%	18.64%	11.81%	15.44%	23.28%	24.33%

Revenue by Segment

	2024
Reportable	99.72M
Reportable Growth	-

Frequently Asked Questions

Valuation & Price

Citizens Community Bancorp, Inc. (CZWI) has a price-to-earnings (P/E) ratio of 13.6x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Citizens Community Bancorp, Inc. (CZWI) grew revenue by 5.3% over the past year. This is steady growth.

Yes, Citizens Community Bancorp, Inc. (CZWI) is profitable, generating $12.9M in net income for fiscal year 2024 (13.8% net margin).

Dividend & Returns

Yes, Citizens Community Bancorp, Inc. (CZWI) pays a dividend with a yield of 1.80%. This makes it attractive for income-focused investors.

Citizens Community Bancorp, Inc. (CZWI) has a return on equity (ROE) of 7.8%. This is below average, suggesting room for improvement.

Industry Metrics

Citizens Community Bancorp, Inc. (CZWI) has a net interest margin (NIM) of 2.7%. NIM has been under pressure due to interest rate environment.

Citizens Community Bancorp, Inc. (CZWI) has an efficiency ratio of 42.3%. This is excellent, indicating strong cost control.

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