Citizens Community Bancorp, Inc.
General ticker "CZWI" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $168.4M (TTM average)
Citizens Community Bancorp, Inc. follows the US Stock Market performance with the rate: 45.0%.
Estimated limits based on current volatility of 1.0%: low 20.77$, high 21.19$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-08-07, amount 0.10$ (Y1.86%)
- Total employees count: 232 (0.0%) as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Financing risks, Interest rate risk, Cybersecurity threats, Regulatory and compliance
- Earnings for 6 months up through Q2 are below our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [15.04$, 19.97$]
- 2026-12-31 to 2027-12-31 estimated range: [15.25$, 20.52$]
Financial Metrics affecting the CZWI estimates:
- Positive: with PPE of 12.3 at the end of fiscal year the price was neutral
- Positive: -4.23 < Operating profit margin, % of 7.01
- Negative: Interest expense per share per price, % of 20.87 > 3.34
- Positive: Industry operating cash flow per share per price (median), % of 10.78 > 10.39
- Positive: -3.10 < Return on assets ratio (scaled to [-100,100]) of 0.80
- Positive: 0.28 < Operating cash flow per share per price, % of 6.70
- Negative: Shareholder equity ratio, % of 10.55 <= 18.97
- Positive: Inventory ratio change, % of 0 <= 0
- Positive: Industry earnings per price (median), % of 7.57 > 4.32
Short-term CZWI quotes
Long-term CZWI plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $58.54MM | $56.29MM | $90.07MM |
| Operating Expenses | $39.60MM | $38.84MM | $83.76MM |
| Operating Income | $18.93MM | $17.45MM | $6.31MM |
| Non-Operating Income | $0.00MM | $0.00MM | $11.13MM |
| Interest Expense | $35.90MM | $43.14MM | $36.45MM |
| Income(Loss) | $18.93MM | $17.45MM | $17.44MM |
| Taxes | $5.87MM | $3.70MM | $3.02MM |
| Net Income(Loss)* | $13.06MM | $13.75MM | $14.42MM |
| Stockholders Equity | $173.33MM | $179.08MM | $187.94MM |
| Assets | $1,851.39MM | $1,748.52MM | $1,781.76MM |
| Operating Cash Flow | $13.12MM | $20.40MM | $11.69MM |
| Capital expenditure | $1.37MM | $0.89MM | $1.31MM |
| Investing Cash Flow | $-34.20MM | $113.74MM | $45.71MM |
| Financing Cash Flow | $22.86MM | $-121.11MM | $11.28MM |
| Earnings Per Share** | $1.25 | $1.35 | $1.49 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.