Citizens Community Bancorp Inc.
General ticker "CZWI" information:
- Sector: Financials
- Industry: Banks
- Capitalization: $169.6M
Citizens Community Bancorp Inc. follows the US Stock Market performance with the rate: 49.1%.
Estimated limits based on current volatility of 1.4%: low 16.15$, high 16.59$
Factors to consider:
- Company pays dividends: last record date 2024-02-09, amount 0.32$ (Y7.63%)
- Company does not operate outside US (retrieved using AI)
- Current price 14.6% above estimated high
- Earnings for 9 months up through Q3 exceed 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 2023-12-31 to 2025-12-30
- 2023-12-31 to 2024-12-30 estimated range: [9.27$, 14.65$]
- 2024-12-30 to 2025-12-30 estimated range: [12.30$, 18.26$]
Financial Metrics affecting the CZWI estimates:
- Positive: 0.93 < Non-GAAP EPS, $ of 1.25
- Positive: Industry operating cash flow per share per price (median), % of 12.49 > 10.07
- Positive: Inventory ratio change, % of -34.45 <= -1.03
- Positive: Industry operating profit margin (median), % of 35.48 > 11.86
- Positive: Operating profit margin, % of 41.18 > 19.51
- Negative: Return on assets ratio (scaled to [-100,100]) of 0.70 <= 2.86
- Positive: -3.48 < Investing cash flow per share, $ of -3.27
- Positive: 7.18 < Operating cash flow per share per price, % of 11.43
Short-term CZWI quotes
Long-term CZWI plot with estimates
Financial data
| YTD | 2021-12-31 | 2022-12-31 | 2023-12-31 |
|---|---|---|---|
| Operating Revenue | $69.69MM | $80.22MM | $58.54MM |
| Operating Expenses | $40.73MM | $56.64MM | $34.21MM |
| Operating Income | $28.96MM | $23.58MM | $24.33MM |
| Non-Operating Income | $0.00MM | $0.00MM | $-5.40MM |
| Interest Expense | $10.37MM | $13.03MM | $35.90MM |
| Income(Loss) | $28.96MM | $23.58MM | $18.93MM |
| Taxes | $7.69MM | $5.82MM | $5.87MM |
| Profit(Loss) | $21.27MM | $17.76MM | $13.06MM |
| Stockholders Equity | $170.87MM | $167.09MM | $173.33MM |
| Inventory | $54.53MM | $42.17MM | $0.00MM |
| Assets | $1,739.63MM | $1,816.39MM | $1,851.39MM |
| Operating Cash Flow | $21.60MM | $29.29MM | $13.12MM |
| Capital expenditure | $3.78MM | $3.60MM | $1.37MM |
| Investing Cash Flow | $-163.20MM | $-119.19MM | $-34.20MM |
| Financing Cash Flow | $69.85MM | $77.57MM | $22.86MM |
| Earnings Per Share* | $1.98 | $1.69 | $1.25 |
* EPS are Split Adjusted, recent splits may be reflected with a delay.