Citizens Community Bancorp, Inc. (CZWI) Financial Ratios
23 years of historical data (2003–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
15.34
↑+53% vs avg
5yr avg: 10.02
30Y Low7.5·High76.5
P/FCF
↑
19.61
↑+100% vs avg
5yr avg: 9.78
30Y Low2.7·High57.5
P/B Ratio
↑
1.09
↑+31% vs avg
5yr avg: 0.84
30Y Low0.5·High2.8
ROE
↓
7.9%
-16% vs avg
5yr avg: 9.3%
30Y Low-13%·High13%
Debt/EBITDA
↑
5.82
+2% vs avg
5yr avg: 5.69
30Y Low2.9·High48.1
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
CZWI Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Citizens Community Bancorp, Inc. trades at 14.5x earnings, 51% above its 5-year average of 9.6x, sitting at the 35th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.3x, the stock trades at a premium of 9%. On a free-cash-flow basis, the stock trades at 19.6x P/FCF, 100% above the 5-year average of 9.8x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $204M | $173M | $166M | $123M | $126M | $148M | $122M | $136M | $121M | $75M | $59M |
| Enterprise Value | $136M | $106M | $183M | $232M | $306M | $268M | $180M | $250M | $203M | $146M | $119M |
| P/E Ratio → | 14.48 | 12.21 | 12.16 | 9.37 | 7.12 | 6.95 | 9.55 | 14.38 | 28.68 | 30.33 | 18.95 |
| P/S Ratio | 2.26 | 1.92 | 1.67 | 1.30 | 1.58 | 1.85 | 1.47 | 1.86 | 44.37 | 2.32 | 2.03 |
| P/B Ratio | 1.09 | 0.92 | 0.93 | 0.71 | 0.76 | 0.86 | 0.76 | 0.90 | 0.88 | 1.02 | 0.92 |
| P/FCF | 19.61 | 16.66 | 8.62 | 10.43 | 4.92 | 8.29 | 5.73 | 22.41 | 15.36 | 57.54 | 12.46 |
| P/OCF | 17.41 | 14.79 | 8.24 | 9.34 | 4.32 | 6.84 | 5.11 | 10.59 | 11.18 | 39.22 | 10.36 |
P/E links to full P/E history page with 30-year chart
CZWI EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Citizens Community Bancorp, Inc.'s enterprise value stands at 15.3x EBITDA, 53% above its 5-year average of 10.0x. The Financial Services sector median is 11.4x, placing the stock at a 34% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.18 | 1.84 | 2.46 | 3.81 | 3.35 | 2.18 | 3.41 | 74.07 | 4.50 | 4.09 |
| EV / EBITDA | 15.34 | 11.91 | 8.75 | 10.25 | 11.08 | 8.13 | 7.54 | 15.19 | 20.59 | 29.45 | 23.51 |
| EV / EBIT | 21.62 | 16.78 | 10.47 | 12.28 | 12.97 | 9.27 | 10.43 | 20.35 | 27.80 | 38.08 | 30.71 |
| EV / FCF | — | 10.20 | 9.47 | 19.77 | 11.91 | 15.06 | 8.49 | 41.19 | 25.64 | 111.60 | 25.02 |
CZWI Profitability
Margins and return-on-capital ratios measuring operating efficiency
Citizens Community Bancorp, Inc. earns an operating margin of 7.0%, below the Financial Services sector average of 21.4%. Operating margins have compressed from 20.0% to 7.0% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 7.9% is modest, trailing the sector median of 9.5%. ROIC of 2.0% represents below-average returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 54.7% | 54.7% | 59.8% | 62.5% | 81.9% | 87.0% | 73.4% | 72.1% | 100.0% | 81.7% | 82.5% |
| Operating Margin | 7.0% | 7.0% | 17.6% | 20.0% | 29.4% | 36.2% | 20.9% | 16.8% | 266.5% | 11.8% | 13.3% |
| Net Profit Margin | 16.0% | 16.0% | 13.8% | 13.8% | 22.1% | 26.6% | 15.4% | 12.9% | 184.4% | 7.7% | 8.9% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.9% | 7.9% | 7.8% | 7.7% | 10.5% | 12.8% | 8.2% | 6.6% | 4.8% | 3.6% | 4.1% |
| ROA | 0.8% | 0.8% | 0.8% | 0.7% | 1.0% | 1.3% | 0.8% | 0.7% | 0.5% | 0.3% | 0.4% |
| ROIC | 2.0% | 2.0% | 4.6% | 4.0% | 4.9% | 6.4% | 3.9% | 3.1% | 2.3% | 1.7% | 1.8% |
| ROCE | 0.6% | 0.6% | 6.9% | 7.5% | 9.6% | 12.3% | 7.9% | 6.5% | 5.2% | 4.3% | 5.7% |
CZWI Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Citizens Community Bancorp, Inc. carries a Debt/EBITDA ratio of 5.8x, which is highly leveraged (41% above the sector average of 4.1x). The company holds a net cash position — cash of $119M exceeds total debt of $52M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 0.2x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.28 | 0.28 | 0.37 | 0.85 | 1.29 | 0.99 | 1.13 | 1.16 | 0.97 | 1.64 | 1.10 |
| Debt / EBITDA | 5.82 | 5.82 | 3.19 | 6.48 | 7.79 | 5.15 | 7.61 | 10.61 | 13.66 | 24.35 | 13.94 |
| Net Debt / Equity | — | -0.36 | 0.09 | 0.63 | 1.07 | 0.71 | 0.37 | 0.76 | 0.59 | 0.96 | 0.93 |
| Net Debt / EBITDA | -7.54 | -7.54 | 0.79 | 4.85 | 6.50 | 3.66 | 2.45 | 6.93 | 8.25 | 14.27 | 11.80 |
| Debt / FCF | — | -6.46 | 0.85 | 9.34 | 6.98 | 6.78 | 2.76 | 18.79 | 10.28 | 54.06 | 12.56 |
| Interest Coverage | 0.16 | 0.16 | 0.40 | 0.53 | 1.81 | 2.79 | 1.21 | 0.73 | 0.85 | 0.68 | 0.77 |
Net cash position: cash ($119M) exceeds total debt ($52M)
CZWI Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Citizens Community Bancorp, Inc.'s current ratio of 3015.31x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.07x to 3015.31x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 3015.31 | 3015.31 | 0.09 | 0.07 | 0.03 | 0.04 | 0.09 | 0.19 | 0.18 | 0.18 | 0.17 |
| Quick Ratio | 3015.31 | 3015.31 | 0.09 | 0.07 | 0.03 | 0.04 | 0.09 | 0.19 | 0.18 | 0.18 | 0.17 |
| Cash Ratio | 227.25 | 227.25 | 0.03 | 0.02 | 0.02 | 0.03 | 0.09 | 0.05 | 0.05 | 0.06 | 0.03 |
| Asset Turnover | — | 0.05 | 0.06 | 0.05 | 0.04 | 0.05 | 0.05 | 0.05 | 0.00 | 0.03 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
CZWI Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Citizens Community Bancorp, Inc. returns 4.8% to shareholders annually — split between a 1.8% dividend yield and 3.1% buyback yield. The payout ratio of 25.0% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 6.9% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.8% | 2.1% | 2.0% | 2.5% | 2.2% | 1.7% | 2.0% | 1.6% | 1.0% | 1.1% | 1.1% |
| Payout Ratio | 25.0% | 25.0% | 24.3% | 23.3% | 15.4% | 11.8% | 18.6% | 23.2% | 23.4% | 33.7% | 24.4% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.9% | 8.2% | 8.2% | 10.7% | 14.0% | 14.4% | 10.5% | 7.0% | 3.5% | 3.3% | 5.3% |
| FCF Yield | 5.1% | 6.0% | 11.6% | 9.6% | 20.3% | 12.1% | 17.5% | 4.5% | 6.5% | 1.7% | 8.0% |
| Buyback Yield | 3.1% | 3.6% | 3.7% | 0.4% | 1.5% | 5.4% | 2.3% | 0.0% | 0.0% | 0.1% | 0.1% |
| Total Shareholder Yield | 4.8% | 5.7% | 5.8% | 2.9% | 3.7% | 7.1% | 4.3% | 1.7% | 1.0% | 1.2% | 1.2% |
| Shares Outstanding | — | $10M | $10M | $10M | $11M | $11M | $11M | $11M | $11M | $5M | $5M |
Peer Comparison
Compare CZWI with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 CZWIYou | $204M | 14.5 | 15.3 | 19.6 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 BWFG | $415M | 11.7 | 7.0 | 15.9 | 51.6% | 23.3% | 12.3% | 8.0% | 3.4 |
 HONE | $522M | 18.3 | 20.8 | 200.7 | 50.9% | 10.9% | 4.7% | 2.3% | 13.3 |
 NECB | $334M | 7.4 | 5.2 | 6.6 | 66.1% | 39.6% | 13.3% | 12.5% | 1.2 |
 LKFN | $2B | 15.5 | 13.4 | 15.6 | 61.0% | 29.8% | 14.3% | 11.6% | 1.4 |
 KRNY | $511M | 19.3 | 44.6 | 23.9 | 44.1% | 9.0% | 3.5% | 1.1% | 35.0 |
 NBTB | $2B | 13.4 | 10.3 | 10.7 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 FBIZ | $471M | 9.3 | 11.6 | 7.7 | 57.3% | 21.6% | 14.4% | 7.0% | 4.3 |
 JACK | $246M | -3.0 | 82.4 | 3.3 | 28.7% | -1.2% | — | -0.6% | 77.6 |
 FIS | $24B | 62.1 | 7.6 | 9.8 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
 CFFN | $1B | 15.0 | 29.8 | 20.3 | 47.3% | 19.9% | 6.5% | 2.0% | 21.5 |
| Financial Services Median | — | 13.3 | 11.4 | 10.6 | 62.9% | 21.4% | 9.5% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 23 years · Updated daily
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Start ComparisonCZWI — Frequently Asked Questions
Quick answers to the most common questions about buying CZWI stock.
What is Citizens Community Bancorp, Inc.'s P/E ratio?
Citizens Community Bancorp, Inc.'s current P/E ratio is 14.5x. The historical average is 41.8x. This places it at the 35th percentile of its historical range.
What is Citizens Community Bancorp, Inc.'s EV/EBITDA?
Citizens Community Bancorp, Inc.'s current EV/EBITDA is 15.3x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 28.9x.
What is Citizens Community Bancorp, Inc.'s ROE?
Citizens Community Bancorp, Inc.'s return on equity (ROE) is 7.9%. The historical average is 3.7%.
Is CZWI stock overvalued?
Based on historical data, Citizens Community Bancorp, Inc. is trading at a P/E of 14.5x. This is at the 35th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Citizens Community Bancorp, Inc.'s dividend yield?
Citizens Community Bancorp, Inc.'s current dividend yield is 1.75% with a payout ratio of 25.0%.
What are Citizens Community Bancorp, Inc.'s profit margins?
Citizens Community Bancorp, Inc. has 54.7% gross margin and 7.0% operating margin.
How much debt does Citizens Community Bancorp, Inc. have?
Citizens Community Bancorp, Inc.'s Debt/EBITDA ratio is 5.8x, indicating high leverage. A ratio above 4x may signal elevated financial risk.