CZWI

Citizens Community Bancorp Inc.

Price

$21.88

return (12m)

35.48%

p/e

16.48

p/bv

1.10

DIVIDEND YIELD

1.44%

CZWI price

Citizens Community

If you had invested

exposure

years ago

ago, you would now have *

ago, you would now have:

*This calculation reflects price variation only.

Return on Investment CZWI

1 month

3 months

1 year

2 years

5 years

10 years

return

1 month

3.75%

3 months

5.34%

1 year

35.48%

2 years

68.41%

5 years

76.93%

10 years

137.72%

Profitability Comparator

If you had invested

years ago

ago, you would now have:

Fundamentals CZWI

Valuation

P/E

16.48

Sector -142.61

Industry 9.05

P/BV

1.10

Sector -8.03

Industry 1.00

P/Revenue (PSR)

3.29

Sector -12.13

Industry 0.97

EV/EBITDA

Sector -748,048,439.87

Industry 12.59

EV/EBIT

Sector -5,388,598,507.43

Industry -53.88

P/EBITDA

Sector -101.58

Industry 3.88

P/EBIT

Sector -119.16

Industry -2.31

P/Total Assets

0.12

Sector 0.14

Industry 0.28

P/Net Current Assets

-0.13

Sector -7.71

Industry -9.34

P/Working Capital

Sector -

Industry -0.61

EPS

1.33

Sector -9,594.04

Industry 4.37

BVPS

19.85

Sector -26,074.98

Industry 26.27

Efficiency

Gross Margin

0.00%

Sector -0.07%

Industry 50.47%

EBITDA Margin

0.00%

Sector -312.01%

Industry 16.64%

EBIT Margin

0.00%

Sector -360,243.68%

Industry 9.63%

Operating Margin

0.00%

Sector -6.49%

Industry 9.93%

Net Profit Margins

19.95%

Sector -1.92%

Industry 8.74%

Asset Turnover

0.01

Sector 0.01

Industry 0.06

Profitability

ROE

6.69%

Sector -1,330.04%

Industry 12.11%

ROA

0.71%

Sector -7.68%

Industry 2.66%

ROIC

0.00%

Sector -12.29%

Industry -2.58%

Dividends

Dividend yield

1.44%

Sector 0.25%

Industry 0.47%

Payout

23.73%

Sector 5.42%

Industry 8.16%

Debt

Current Ratio

Sector -

Industry 0.99

Net Debt / EBITDA

Sector -492,888,154.18

Industry -0.83

Net Debt / EBIT

Sector -4,517,275,612.45

Industry -45.11

Net Debt / Equity

0.00

Sector -0.81

Industry 0.17

Gross Debt / Equity

0.00

Sector -0.23

Industry 0.50

Equity/Assets

0.11

Sector -0.02

Industry 0.24

Liabilities/Assets

0.89

Sector 0.37

Industry 0.72

Growth

5Y Revenue CAGR

-1.57%

Sector -

Industry -

5Y Earnings CAGR

-9.64%

Sector -

Industry -

Fundamentals CZWI

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FAIR VALUE OF Citizens Community ACCORDING TO BENJAMIN GRAHAM

Graham's Fair Value

The Fair Value formula was created by Benjamin Graham to identify stocks with appreciation potential or that are being traded for less than they are worth. Graham was one of the greatest investors in history and Warren Buffett’s mentor.

Current price

$21.88

Fair Value

$24.37

Upside Return potential.

11.39%

See Graham's ranking

Because it considers equity value in its calculation, this formula may not work well for technology companies.

This is not a buy/sell recommendation; the fair value calculation takes into account only the formula created by Benjamin Graham, published in the book The Intelligent Investor.

Assets	Price (US$)	Return 12m	DY	P/E	P/BV	ROE	Net Profit Margins
CZWI Citizens Community Bancorp Inc.	$21.88	35.48%	1.44%	16.48	1.10	6.69%	19.95%
NU Nu Holdings (NuBank)	$14.62	-6.82%	0.00%	19.88	5.41	27.22%	18.61%
BAC Bank of America Corporation	$62.69	27.32%	1.79%	13.79	1.51	10.97%	16.92%
HSBC HSBC Holdings PLC	$105.29	61.51%	3.65%	14.06	1.80	12.84%	18.78%
C Citigroup Inc.	$138.82	42.56%	1.78%	14.28	1.13	7.94%	9.67%
RY ROYAL BANK OF CANADA	$205.90	47.68%	2.30%	21.53	2.75	12.76%	15.73%
ITUB Itau Unibanco Banco Holding SA	$8.33	33.33%	6.90%	384.22	58.40	15.20%	9.21%
ING ING Group N.V.	$37.27	53.29%	3.60%	6.72	1.44	21.39%	25.90%
SAN Banco Santander SA ADR	$14.96	51.50%	1.36%	5.22	1.34	25.71%	30.33%
WFC Wells Fargo & Company	$90.29	13.23%	2.05%	12.57	1.54	12.26%	17.12%
LYG Lloyds Banking Group PLC	$6.01	40.23%	3.37%	1.22	0.20	16.09%	8.25%
TD Toronto Dominion Bank	$120.97	63.87%	2.61%	72.95	3.06	4.19%	15.79%
NWG NatWest Group PLC	$18.89	38.48%	3.34%	2.55	0.37	14.39%	20.44%
BCS Barclays PLC	$26.70	32.88%	1.74%	11.34	0.65	5.73%	11.31%
BBD Banco Bradesco SA ADR	$3.60	29.92%	7.65%	42.85	5.69	13.27%	7.37%
BSBR Banco Santander Brasil SA ADR	$6.02	19.08%	5.65%	89.60	9.41	10.51%	3.93%
MUFG Mitsubishi UFJ Financial Group Inc.	$23.89	57.62%	1.81%	2,341.77	316.49	13.51%	20.20%
BSAC Banco Santander Chile	$35.17	43.16%	4.32%	13.53	2.92	21.58%	34.03%
DB Deutsche Bank AG	$40.48	11.87%	2.15%	12.13	0.88	7.22%	9.00%
USB U.S. Bancorp	$62.84	34.15%	3.35%	12.10	1.43	11.83%	18.24%

Stock vs Indice Comparison Tool

If you had invested

years ago

ago, you would now have *

ago, you would now have:

*This calculation reflects price variation only.

CZWI Historical Dividends

current DY: 1.44%

5-year average DY: 2.19%

DRAG THE FRAME TO SEE MORE DATA

type	Ex - Dividend Date	payment date	value
Dividends	08/06/2026	08/21/2026	0.10500000
Dividends	05/07/2026	05/22/2026	0.10500000
Dividends	02/05/2026	02/20/2026	0.10500000
Dividends	02/06/2025	02/21/2025	0.36000000
Dividends	02/07/2024	02/23/2024	0.32000000
Dividends	02/01/2023	02/17/2023	0.29000000
Dividends	02/10/2022	02/28/2022	0.26000000
Dividends	02/09/2021	02/25/2021	0.23000000
Dividends	02/03/2020	02/19/2020	0.21000000
Dividends	02/06/2019	03/08/2019	0.20000000
Dividends	02/07/2018	03/08/2018	0.20000000
Dividends	03/07/2017	03/23/2017	0.16000000
Dividends	03/09/2016	03/25/2016	0.12000000
Dividends	03/11/2015	03/27/2015	0.08000000
Dividends	03/11/2014	03/27/2014	0.04000000
Dividends	04/02/2013	04/18/2013	0.02000000
Dividends	08/18/2009	09/03/2009	0.05000000
Dividends	04/28/2009	05/14/2009	0.05000000
Dividends	02/03/2009	02/19/2009	0.05000000
Dividends	10/28/2008	11/13/2008	0.05000000
Dividends	07/29/2008	08/14/2008	0.05000000
Dividends	04/29/2008	05/15/2008	0.05000000
Dividends	01/29/2008	02/14/2008	0.05000000
Dividends	10/30/2007	11/15/2007	0.05000000
Dividends	07/31/2007	08/16/2007	0.05000000
Dividends	05/01/2007	05/17/2007	0.05000000
Dividends	01/30/2007	02/15/2007	0.05000000

ABOUT Citizens Community

Citizens Community Bancorp Inc.

Average Investor10 user rating

4.0 (2 people)

United States

22 years

Founded: 2004

2004

Time since IPO - 22 years

288

Employees

Citizens Community Bancorp Inc. (United States) is listed on the Nasdaq and has a market capitalization of $211.16 million, with shareholders equity totaling $191.35 million.

The company employs approximately 288 people and operates in the Financial sector, within the Banks industry.

Over the past 12 months, Citizens Community Bancorp Inc. reported $64.21 million in revenue, generating net income of $12.81 million.

Key financial metrics include a P/E ratio of 16.48, a price-to-book (P/B) ratio of 1.10, and a trailing twelve-month dividend yield of 1.44%.

The company trades under the ticker CZWI.

Market cap

$211.16 million

Net worth

$191.35 million

$191,348,000.00

Assets

$1.81 billion

$1,814,309,000.00

Total Shares Outstanding

9.64 million

9,642,000

Average Daily Trading Volume

$56.65 Thousand

$56,651.88

Sector

Financial

Industry

Banks

CZWI

CZWI revenue and profits

Financial Results CZWI

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CZWI cash flow

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