Market Valuation & Earnings Multiples
Market capitalization, P/E ratios, and enterprise value
Market Cap195.20M
Enterprise Value129.16M
Trailing P/E13.57
Forward P/E12.94
CZWI
(NASDAQ)Citizens Community Bancorp, Inc.
$20.11-- (--)
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Citizens Community Bancorp (CZWI) Key Statistics & Financial Metrics
Complete stock analysis with 40+ metrics: valuation ratios, profitability margins, financial health indicators, and dividend data.
Stock Valuation Metrics
Market value, earnings multiples, and pricing ratios
Price-Based Ratios
Valuation ratios based on stock price
Price/Sales (ttm)3.14
Forward Price/Sales4.49
Price/Book (mrq)1.04
Price/Tangible Book (mrq)1.25
Price/FCF (ttm)17.99
Price/OCF (ttm)16.74
PEG Ratio2.79
Enterprise Value Ratios
EV-based valuation multiples
EV/Revenue2.07
EV/Earnings8.96
EV/EBITDA14.52
EV/FCF11.88
Stock Price
Current price, 52-week range, and moving averages
Current Price$20.11
1-Day Change1.82%
52-Week High$20.44
52-Week Low$12.69
52-Week Change38.75%
YTD Change15.66%
1-Year Change37.89%
50-Day MA$18.54
200-Day MA$16.76
Avg Volume (30 day)24.08K
Share Statistics
Outstanding shares, float, and per-share metrics
Shares Outstanding9.71M
Book Value per Share$19.36
Net Cash per Share$12.19
FCF per Share$1.12
Profitability & Financial Performance
Profit margins, return metrics, and earnings analysis
Profit Margins
Profitability margins across income statement
Gross Margin79.01%
EBITDA Margin (ttm)14.27%
Operating Margin (ttm)10.13%
Pretax Margin (ttm)27.98%
Profit Margin (ttm)23.13%
FCF Margin (ttm)17.45%
Return on Investment Metrics
ROE, ROA, ROIC, and capital efficiency ratios
Return on Equity (ttm)7.67%
Return on Assets (ttm)0.81%
Income Statement (TTM)
Trailing twelve months revenue and earnings
Revenue62.33M
Gross Profit49.25M
Operating Income6.31M
Pretax Income17.44M
Net Income14.42M
EBITDA8.90M
Diluted EPS$1.49
Cash Flow (TTM)
Operating cash flow and free cash flow metrics
Operating Cash Flow11.69M
Capital Expenditures818.00K
Free Cash Flow10.88M
Growth Rates (YoY)
Year-over-year growth metrics
Revenue Growth43.69%
Dividend Growth-70.83%
Financial Health & Dividends
Balance sheet analysis, debt ratios, and dividend metrics
Assets & Cash
Total assets and cash positions
Total Assets (mrq)1.78B
Cash & Securities (mrq)118.85M
Net Cash (mrq)118.33M
Net Cash per Share$12.19
Debt & Liabilities
Liabilities, debt, equity, and working capital
Total Debt (mrq)52.33M
Working Capital (mrq)1.58B
Total Equity (mrq)187.94M
Book Value per Share$19.36
Liquidity & Leverage
Liquidity, leverage, and debt coverage ratios
Current Ratio (mrq)3015.31
Quick Ratio (mrq)3015.31
Debt/Equity (mrq)0.28
Debt/EBITDA (ttm)5.88
Debt/FCF (ttm)4.81
Dividend History & Payout Analysis
Dividend yield, payout ratios, and growth metrics
Dividend per Share (TTM)$0.11
Dividend Yield0.52%
Payout Ratio (Earnings)7.07%
Payout Ratio (FCF)9.37%
Dividend Growth (YoY)-70.83%
Ex-Dividend DateFeb 6, 2026
Pay DateFeb 20, 2026
Dividend FrequencyQuarterly
Yield Metrics
Earnings, FCF, buyback, and shareholder yields
Earnings Yield7.37%
FCF Yield5.56%
Buyback Yield3.19%
Total Shareholder Yield3.71%
Financial Health Scores
Risk assessment and quality metrics
Altman Z-Score1.24
Piotroski F-Score6/9
Dividend Score17.23
Fair Value & Intrinsic Value
Lynch fair value, Graham number, and valuation models
Lynch Fair Value$7.23
Lynch Upside/Downside-64.16%
Graham Number$25.44
Graham Upside/Downside26.19%
Frequently Asked Questions About Citizens Community Bancorp Statistics
What are the key financial metrics for CZWI?
Citizens Community Bancorp, Inc. (CZWI) statistics include 40+ financial metrics organized into valuation ratios (P/E, P/S, P/B, PEG), profitability margins (gross, operating, net), return metrics (ROE, ROA, ROIC), and financial health indicators. These are updated regularly based on the latest filings and market data.
What is CZWI's valuation analysis?
The valuation section covers market capitalization, earnings multiples like trailing and forward P/E, price-based ratios (P/S, P/B, Price/FCF), and enterprise value ratios (EV/EBITDA, EV/Revenue, EV/FCF). Compare these against sector averages to assess whether Citizens Community Bancorp is overvalued or undervalued.
How do I read CZWI's profitability ratios?
Citizens Community Bancorp's profitability is measured through profit margins (gross, EBITDA, operating, net) and return metrics (ROE, ROA, ROIC, ROCE). Higher margins indicate better cost control, while higher returns show efficient capital deployment. The income statement and cash flow sections provide the underlying revenue and earnings data.
What do CZWI's debt ratios indicate?
The financial health section shows Citizens Community Bancorp's leverage through debt-to-equity, debt-to-assets, debt-to-EBITDA, and debt-to-FCF ratios, plus liquidity via the current and quick ratios. Lower debt ratios and higher liquidity ratios generally indicate stronger financial stability and lower default risk.
What is CZWI's dividend analysis?
The dividend section covers Citizens Community Bancorp's dividend yield, payout ratios (earnings-based and FCF-based), year-over-year dividend growth, years of consecutive growth, ex-dividend and pay dates, and payment frequency. The yield metrics section also includes earnings yield, FCF yield, buyback yield, and total shareholder yield.