Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Citizens Community Bancorp, Inc.'s quarterly P/E stands at 10.1x, down 32.9% year-over-year — suggesting improving earnings relative to price.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 14.62 | 10.13 | 10.86 | 10.45 | 11.23 | 15.08 | 11.07 | 8.26 | 7.79 | 8.36 | 10.00 | 7.14 | 7.58 |
| — | -32.9% | -1.9% | +26.5% | +44.2% | +80.3% | +10.7% | +15.8% | +2.8% | +25.2% | +24.9% | -15.4% | -9.7% | |
| P/S Ratio | 2.28 | 2.74 | 1.59 | 1.36 | 1.52 | 1.72 | 1.42 | 1.25 | 1.22 | 1.25 | 1.04 | 0.97 | 1.26 |
| — | +59.3% | +11.5% | +9.4% | +24.1% | +37.9% | +37.4% | +29.0% | -3.2% | -10.2% | -33.7% | -50.0% | -42.1% | |
| P/B Ratio | 1.10 | 0.92 | 0.86 | 0.75 | 0.80 | 0.91 | 0.80 | 0.69 | 0.73 | 0.71 | 0.61 | 0.55 | 0.68 |
| — | +0.8% | +7.2% | +9.0% | +8.8% | +29.2% | +32.1% | +24.8% | +8.7% | -6.2% | -22.4% | -38.2% | -29.2% | |
| P/FCF | 19.79 | 11.52 | 6.44 | — | 23.76 | 17.36 | 10.85 | 6.51 | 3.55 | 9.12 | 5.47 | 9.96 | 18.44 |
| — | -33.7% | -40.6% | — | +569.3% | +90.3% | +98.4% | -34.6% | -80.7% | +114.5% | -41.5% | +84.0% | +276.4% | |
| EV / EBITDA | 15.56 | — | 5.88 | 6.76 | 5.46 | 10.77 | 9.42 | 7.98 | 8.44 | 10.38 | 10.49 | 11.37 | 12.56 |
| — | — | -37.5% | -15.3% | -35.3% | +3.8% | -10.2% | -29.8% | -32.8% | -0.5% | -0.3% | +4.5% | +40.8% | |
| EV / EBIT | 21.92 | — | 6.89 | 8.17 | 6.62 | 13.39 | 11.38 | 9.42 | 9.88 | 12.43 | 12.39 | 13.85 | 15.04 |
| — | — | -39.4% | -13.2% | -33.0% | +7.7% | -8.2% | -32.0% | -34.3% | +2.9% | -4.2% | +5.6% | +52.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Citizens Community Bancorp, Inc.'s operating margin was -39.6% in Q4 2025, down 57.5 pp QoQ and down 53.8 pp YoY. The trailing four-quarter average of 2.8% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin contracted 52.1% YoY, suggesting cost inflation or competitive pricing pressure.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 54.7% | 28.1% | 61.7% | 58.4% | 60.9% | 58.7% | 57.3% | 61.6% | 61.6% | 60.7% | 61.5% | 59.7% | 68.5% |
| — | -52.1% | +7.6% | -5.2% | -1.0% | -3.3% | -6.8% | +3.1% | -10.1% | -19.4% | -24.1% | -29.8% | -22.0% | |
| Operating Margin | 7.0% | -39.6% | 17.9% | 16.0% | 16.8% | 14.2% | 16.5% | 19.3% | 20.0% | 19.1% | 20.8% | 18.2% | 22.4% |
| — | -379.8% | +8.7% | -17.4% | -16.2% | -25.7% | -20.7% | +6.5% | -10.5% | -31.8% | -19.4% | -40.0% | -34.9% | |
| Net Margin | 16.0% | 27.1% | 14.6% | 12.9% | 13.5% | 11.4% | 13.0% | 15.1% | 15.8% | 15.1% | 10.3% | 13.5% | 16.7% |
| — | +137.9% | +12.4% | -14.3% | -14.4% | -24.4% | +25.7% | +11.4% | -5.4% | -27.4% | -47.2% | -40.9% | -36.0% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.9% | 2.3% | 2.0% | 1.8% | 1.8% | 1.5% | 1.8% | 2.1% | 2.4% | 2.2% | 1.5% | 1.9% | 2.2% |
| — | +51.5% | +7.8% | -14.6% | -24.6% | -31.0% | +22.2% | +8.5% | +7.0% | -23.3% | -38.0% | -26.5% | -21.1% | |
| ROA | 0.8% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.1% | 0.2% | 0.2% |
| — | +59.8% | +16.5% | -8.3% | -18.6% | -24.1% | +33.7% | +16.8% | +11.8% | -23.2% | -39.4% | -29.6% | -25.6% | |
| ROIC | 2.0% | -2.0% | 1.4% | 1.2% | 1.2% | 1.0% | 1.2% | 1.3% | 1.3% | 1.0% | 1.1% | 0.8% | 0.9% |
| — | -299.7% | +20.4% | -3.2% | -5.7% | -5.6% | +9.7% | +53.7% | +40.1% | -20.2% | -5.9% | -33.1% | -32.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
The current ratio has improved 3498261.6% YoY to 3015.31x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.28 | 0.28 | 0.25 | 0.34 | 0.34 | 0.37 | 0.46 | 0.53 | 0.62 | 0.85 | 1.10 | 1.15 | 1.52 |
| — | -25.9% | -45.4% | -36.3% | -44.7% | -56.1% | -58.3% | -53.9% | -59.2% | -34.1% | +2.7% | -0.1% | +45.6% | |
| Debt / EBITDA | 5.82 | — | 8.80 | 12.62 | 12.80 | 15.96 | 16.32 | 16.72 | 17.60 | 26.28 | 30.55 | 36.23 | 42.46 |
| — | — | -46.1% | -24.5% | -27.3% | -39.3% | -46.6% | -53.9% | -58.5% | -10.6% | +13.3% | +33.3% | +68.7% | |
| Current Ratio | 3015.31 | 3015.31 | 0.11 | 0.14 | 0.12 | 0.09 | 0.03 | 0.03 | 0.02 | 0.07 | 0.02 | 0.03 | 0.04 |
| — | +3498261.6% | +268.0% | +378.7% | +385.9% | +18.8% | +21.4% | -4.0% | -45.4% | +178.1% | -81.6% | -78.5% | -76.2% | |
| Quick Ratio | 3015.31 | 3015.31 | 0.11 | 0.14 | 0.12 | 0.09 | 0.03 | 0.03 | 0.02 | 0.07 | 0.02 | 0.03 | 0.04 |
| — | +3498261.6% | +268.0% | +378.7% | +385.9% | +18.8% | +21.4% | -4.0% | -45.4% | +178.1% | -81.6% | -78.5% | -76.2% | |
| Interest Coverage | 0.16 | -0.55 | 0.50 | 0.44 | 0.42 | 0.33 | 0.37 | 0.43 | 0.48 | 0.45 | 0.52 | 0.47 | 0.71 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying CZWI stock.
Citizens Community Bancorp, Inc.'s current P/E is 14.6x. The average P/E over the last 4 quarters is 10.7x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Citizens Community Bancorp, Inc.'s current operating margin is 7.0%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Citizens Community Bancorp, Inc.'s business trajectory between earnings reports.