Citizens Community Bancorp, Inc.
General ticker "CZWI" information:
- Sector: Financials
- Industry: Banks
- Capitalization: $154.4M (TTM average)
Citizens Community Bancorp, Inc. follows the US Stock Market performance with the rate: 53.8%.
Estimated limits based on current volatility of 0.9%: low 17.49$, high 17.82$
Factors to consider:
- Company pays dividends (quarterly): last record date 2025-02-07, amount 0.36$ (Y8.07%)
- 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, Geopolitical risks, Pandemic risks, Financing risks, Reputation and brand risks
- Price in estimated range
- Earnings for 9 months up through Q3 are close to 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 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [14.05$, 19.04$]
- 2025-12-31 to 2026-12-31 estimated range: [13.98$, 19.33$]
Financial Metrics affecting the CZWI estimates:
- Positive: with PPE of 12.3 at the end of fiscal year the price was very low
- Positive: 7.86 < Operating profit margin, % of 17.55
- Positive: Industry operating cash flow per share per price (median), % of 10.66 > 10.33
- Positive: 6.82 < Operating cash flow per share per price, % of 12.05
- Positive: -2.95 < Return on assets ratio (scaled to [-100,100]) of 0.78
- Negative: Shareholder equity ratio, % of 10.24 <= 18.93
Short-term CZWI quotes
Long-term CZWI plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $80.22MM | $94.44MM | $99.43MM |
| Operating Expenses | $56.64MM | $75.50MM | $81.98MM |
| Operating Income | $23.58MM | $18.93MM | $17.45MM |
| Interest Expense | $13.03MM | $35.90MM | $43.14MM |
| Income(Loss) | $23.58MM | $18.93MM | $17.45MM |
| Taxes | $5.82MM | $5.87MM | $3.70MM |
| Profit(Loss)* | $17.76MM | $13.06MM | $13.75MM |
| Stockholders Equity | $167.09MM | $173.33MM | $179.08MM |
| Assets | $1,816.39MM | $1,851.39MM | $1,748.52MM |
| Operating Cash Flow | $29.29MM | $13.12MM | $20.18MM |
| Capital expenditure | $3.60MM | $1.37MM | $0.89MM |
| Investing Cash Flow | $-119.19MM | $-34.20MM | $113.74MM |
| Financing Cash Flow | $77.57MM | $22.86MM | $-120.88MM |
| Earnings Per Share** | $1.69 | $1.25 | $1.35 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.