Citizens Financial Statements From 2010 to 2025

CZWI Stock  USD 15.70  0.02  0.13%   
Citizens Community financial statements provide useful quarterly and yearly information to potential Citizens Community Bancorp investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Citizens Community financial statements helps investors assess Citizens Community's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Citizens Community's valuation are summarized below:
Gross Profit
60.3 M
Profit Margin
0.2446
Market Capitalization
157.7 M
Enterprise Value Revenue
3.9676
Revenue
60.3 M
We have found one hundred twenty available fundamental signals for Citizens Community Bancorp, which can be analyzed and compared to other ratios and to its rivals. Traders should compare all of Citizens Community Bancorp prevailing fundamentals against the fundamentals between 2010 and 2025 to make sure the company is sustainable this year. The Citizens Community's current Market Cap is estimated to increase to about 115.8 M. The Citizens Community's current Enterprise Value is estimated to increase to about 170.3 M

Citizens Community Total Revenue

70.68 Million

Check Citizens Community financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Citizens Community's main balance sheet or income statement drivers, such as Interest Expense of 43.3 M, Total Revenue of 70.7 M or Gross Profit of 113.3 M, as well as many indicators such as Price To Sales Ratio of 2.29, Dividend Yield of 0.0121 or PTB Ratio of 1.4. Citizens financial statements analysis is a perfect complement when working with Citizens Community Valuation or Volatility modules.
  
Check out the analysis of Citizens Community Correlation against competitors.

Citizens Community Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets2.2 B2.1 B1.2 B
Slightly volatile
Total Stockholder Equity209.3 M199.3 M112.3 M
Slightly volatile
Non Current Assets Total2.2 B2.1 B514.2 M
Slightly volatile
Other Assets7.9 M8.3 M620.2 M
Very volatile
Common Stock Shares Outstanding6.5 M12 M7.7 M
Slightly volatile
Liabilities And Stockholders Equity2.2 B2.1 B1.2 B
Slightly volatile
Non Current Liabilities TotalB1.9 B628.1 M
Slightly volatile
Other Stockholder Equity68.9 M137.4 M83.8 M
Slightly volatile
Total LiabilitiesB1.9 B815 M
Slightly volatile
Cash36.2 M42.7 M39.3 M
Slightly volatile
Cash And Short Term Investments40.6 M42.7 M102.6 M
Pretty Stable
Total Current Assets40.6 M42.7 M308.2 M
Slightly volatile
Short and Long Term Debt Total102.3 M169 M108.5 M
Slightly volatile
Property Plant And Equipment Net24 M22.8 M12.8 M
Slightly volatile
Retained Earnings85.9 M81.8 M29.5 M
Slightly volatile
Net Receivables6.5 M6.2 M3.5 M
Slightly volatile
Property Plant And Equipment Gross37.4 M35.6 M16.1 M
Slightly volatile
Other Liabilities5.5 M8.8 M5.8 M
Slightly volatile
Accounts Payable1.7 B1.6 B921.7 M
Slightly volatile
Long Term Debt177.5 M169 M75.8 M
Slightly volatile
Common Stock Total Equity72.7 K119.6 K77.4 K
Slightly volatile
Short Term Debt55.3 M74.8 M53 M
Pretty Stable
Intangible Assets5.2 M6.4 M4.7 M
Slightly volatile
Common Stock74.7 K119.6 K77.5 K
Slightly volatile
Property Plant Equipment24.7 M23.6 M12.7 M
Slightly volatile
Short Term Investments279.5 M266.2 M133.6 M
Slightly volatile
Other Current Assets37.9 M39.9 M246.8 M
Slightly volatile
Net Tangible Assets92.6 M153.1 M90.3 M
Slightly volatile
Other Current Liabilities765.6 M1.5 B717 M
Slightly volatile
Capital Surpluse95.5 M137.1 M88.4 M
Slightly volatile
Long Term Investments305.5 M290.9 M115.4 M
Slightly volatile
Non Current Liabilities Other183.7 M175 M85.3 M
Slightly volatile
Short and Long Term Debt50.9 M36 M52.5 M
Slightly volatile
Long Term Debt Total46.9 M83.3 M35.5 M
Slightly volatile
Earning Assets174.2 M266.7 M159.9 M
Slightly volatile
Net Invested Capital334.4 M368.4 M261.7 M
Slightly volatile
Capital Stock86.1 K93.6 K106.1 K
Slightly volatile

Citizens Community Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Interest Expense43.3 M41.3 M14.2 M
Slightly volatile
Total Revenue70.7 M67.3 M39.3 M
Slightly volatile
Gross Profit113.3 M107.9 M46.7 M
Slightly volatile
Other Operating Expenses42 M40 M22.6 M
Slightly volatile
Operating Income29.4 M28 M15.5 M
Slightly volatile
EBIT11.6 M21.1 M13.3 M
Slightly volatile
EBITDA12.9 M25.4 M15.1 M
Slightly volatile
Income Before Tax22.9 M21.8 M10.7 M
Slightly volatile
Net Income15.8 M15 M7.6 M
Slightly volatile
Income Tax Expense7.1 M6.8 M3.1 M
Slightly volatile
Depreciation And Amortization4.5 M4.3 MM
Slightly volatile
Selling General Administrative13.5 M25.2 M15.9 M
Slightly volatile
Net Income Applicable To Common Shares21.4 M20.4 M8.6 M
Slightly volatile
Selling And Marketing Expenses582.5 K844.1 K621.7 K
Slightly volatile
Tax Provision4.4 M6.8 M3.2 M
Slightly volatile
Net Interest Income44.7 M55.6 M34.1 M
Slightly volatile
Interest Income59.7 M96.9 M46.4 M
Slightly volatile
Non Operating Income Net Other50.4 K56.7 K61.8 K
Slightly volatile
Reconciled Depreciation3.3 M4.3 M2.2 M
Slightly volatile

Citizens Community Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow7.8 M13.5 M10 M
Slightly volatile
Begin Period Cash Flow33.5 M40.7 M38.5 M
Slightly volatile
Depreciation4.5 M4.3 M2.7 M
Slightly volatile
Total Cash From Operating Activities9.5 M15.1 M11.7 M
Slightly volatile
Net Income15.8 M15 M7.6 M
Slightly volatile
End Period Cash Flow34.5 M42.7 M35.6 M
Slightly volatile
Change To Netincome13.9 M13.3 M7.4 M
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.292.419.2302
Pretty Stable
Dividend Yield0.01210.02230.0123
Slightly volatile
PTB Ratio1.40.811.0472
Slightly volatile
Days Sales Outstanding48.0425.84101
Very volatile
Book Value Per Share20.9314.935.4107
Slightly volatile
Free Cash Flow Yield0.0960.08630.1148
Pretty Stable
Operating Cash Flow Per Share1.011.131.3387
Slightly volatile
Stock Based Compensation To Revenue0.01.0E-40.0014
Slightly volatile
Capex To Depreciation0.40.420.6955
Pretty Stable
PB Ratio1.40.811.0472
Slightly volatile
EV To Sales4.344.5714.4741
Pretty Stable
Free Cash Flow Per Share0.831.011.1412
Pretty Stable
Net Income Per Share1.181.120.7756
Slightly volatile
Sales General And Administrative To Revenue0.670.430.8075
Pretty Stable
Capex To Revenue0.020.0210.1654
Very volatile
Cash Per Share11.6223.0919.099
Slightly volatile
POCF Ratio5.518.419.5799
Slightly volatile
Interest Coverage1.060.611.3889
Very volatile
Payout Ratio0.310.270.1953
Slightly volatile
Capex To Operating Cash Flow0.230.120.1614
Slightly volatile
PFCF Ratio9.859.3811.8438
Pretty Stable
Income Quality1.11.164.8271
Slightly volatile
ROE0.07120.06780.0571
Slightly volatile
EV To Operating Cash Flow9.2915.9416.1762
Pretty Stable
PE Ratio10.2610.828.0832
Slightly volatile
Return On Tangible Assets0.00680.00650.0056
Slightly volatile
EV To Free Cash Flow18.6817.7920.4071
Very volatile
Earnings Yield0.10.09590.067
Slightly volatile
Intangibles To Total Assets0.01090.0180.0151
Slightly volatile
Current Ratio0.03650.03840.6499
Slightly volatile
Tangible Book Value Per Share19.6211.7233.2071
Slightly volatile
Receivables Turnover9.511.4410.7936
Very volatile
Graham Number20.3719.414.3043
Slightly volatile
Shareholders Equity Per Share9.0614.912.4114
Slightly volatile
Debt To Equity1.250.981.0302
Slightly volatile
Capex Per Share0.180.120.2009
Slightly volatile
Average Receivables388.5 K485.6 K520 K
Pretty Stable
Revenue Per Share3.075.034.1012
Slightly volatile
Interest Debt Per Share11.5415.7214.3506
Slightly volatile
Debt To Assets0.130.09130.0997
Slightly volatile
Enterprise Value Over EBITDA11.5112.1214.0954
Pretty Stable
Short Term Coverage Ratios0.07540.05550.053
Very volatile
Price Earnings Ratio10.2610.828.0832
Slightly volatile
Operating Cycle48.0425.84101
Very volatile
Price Book Value Ratio1.40.811.0472
Slightly volatile
Dividend Payout Ratio0.310.270.1953
Slightly volatile
Price To Operating Cash Flows Ratio5.518.419.5799
Slightly volatile
Price To Free Cash Flows Ratio9.859.3811.8438
Pretty Stable
Pretax Profit Margin0.230.290.5211
Very volatile
Ebt Per Ebit0.740.70.5062
Slightly volatile
Operating Profit Margin0.450.480.877
Slightly volatile
Effective Tax Rate0.360.31020.3136
Very volatile
Company Equity Multiplier7.999.6110.139
Pretty Stable
Long Term Debt To Capitalization0.540.370.4689
Very volatile
Total Debt To Capitalization0.410.45890.4839
Pretty Stable
Return On Capital Employed0.02920.01510.0242
Pretty Stable
Debt Equity Ratio1.250.981.0302
Slightly volatile
Ebit Per Revenue0.450.480.877
Slightly volatile
Quick Ratio0.07410.0780.6874
Slightly volatile
Dividend Paid And Capex Coverage Ratio3.253.425.7995
Slightly volatile
Net Income Per E B T0.540.620.6789
Pretty Stable
Cash Ratio0.03180.03340.0691
Slightly volatile
Cash Conversion Cycle48.0425.84101
Very volatile
Operating Cash Flow Sales Ratio0.370.20.7808
Very volatile
Days Of Sales Outstanding48.0425.84101
Very volatile
Free Cash Flow Operating Cash Flow Ratio0.630.810.8255
Slightly volatile
Cash Flow Coverage Ratios0.120.10.1219
Slightly volatile
Price To Book Ratio1.40.811.0472
Slightly volatile
Fixed Asset Turnover2.742.653.2754
Pretty Stable
Capital Expenditure Coverage Ratio7.148.649.3014
Slightly volatile
Price Cash Flow Ratio5.518.419.5799
Slightly volatile
Enterprise Value Multiple11.5112.1214.0954
Pretty Stable
Debt Ratio0.130.09130.0997
Slightly volatile
Cash Flow To Debt Ratio0.120.10.1219
Slightly volatile
Price Sales Ratio2.292.419.2302
Pretty Stable
Return On Assets0.00670.00630.0055
Slightly volatile
Asset Turnover0.02550.02850.03
Very volatile
Net Profit Margin0.170.20.363
Very volatile
Gross Profit Margin1.281.441.5724
Slightly volatile
Price Fair Value1.40.811.0472
Slightly volatile
Return On Equity0.07120.06780.0571
Slightly volatile

Citizens Community Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap115.8 M110.3 M90.8 M
Slightly volatile
Enterprise Value170.3 M162.2 M149.9 M
Slightly volatile

Citizens Fundamental Market Drivers

Forward Price Earnings11.9904
Cash And Short Term Investments37.1 M

Citizens Upcoming Events

29th of January 2024
Upcoming Quarterly Report
View
23rd of April 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
29th of January 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
31st of December 2022
Last Financial Announcement
View

About Citizens Community Financial Statements

Investors use fundamental indicators, such as Citizens Community's revenue or net income, to determine how well the company is positioned to perform in the future. Although Citizens Community's investors may analyze each financial statement separately, they are all interrelated. Understanding these patterns can help investors make the right trading decisions.
Last ReportedProjected for Next Year
Total Revenue67.3 M70.7 M
Cost Of Revenue-31.8 M-30.2 M
Sales General And Administrative To Revenue 0.43  0.67 
Capex To Revenue 0.02  0.02 
Revenue Per Share 5.03  3.07 
Ebit Per Revenue 0.48  0.45 

Currently Active Assets on Macroaxis

When determining whether Citizens Community offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Citizens Community's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Citizens Community Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Citizens Community Bancorp Stock:
Check out the analysis of Citizens Community Correlation against competitors.
You can also try the Companies Directory module to evaluate performance of over 100,000 Stocks, Funds, and ETFs against different fundamentals.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Citizens Community. If investors know Citizens will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Citizens Community listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.341
Earnings Share
1.34
Revenue Per Share
5.816
Quarterly Revenue Growth
(0.03)
Return On Assets
0.0081
The market value of Citizens Community is measured differently than its book value, which is the value of Citizens that is recorded on the company's balance sheet. Investors also form their own opinion of Citizens Community's value that differs from its market value or its book value, called intrinsic value, which is Citizens Community's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Citizens Community's market value can be influenced by many factors that don't directly affect Citizens Community's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Citizens Community's value and its price as these two are different measures arrived at by different means. Investors typically determine if Citizens Community is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Citizens Community's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.