Citizens Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . Citizens Community Bancorp
CZWI Stock  USD 18.14  0.13  0.72%   
Citizens Community's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing Citizens Community's valuation are provided below:
Gross Profit
60.4 M
Profit Margin
0.2388
Market Capitalization
173.9 M
Enterprise Value Revenue
3.6113
Revenue
60.4 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 2026 to make sure the company is sustainable this year. The Citizens Community's current Market Cap is estimated to increase to about 163.5 M, while Enterprise Value is projected to decrease to under 87.7 M.

Citizens Community Total Revenue

94.57 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 41 M, Total Revenue of 94.6 M or Gross Profit of 28 M, as well as many indicators such as Price To Sales Ratio of 3.02, Dividend Yield of 0.0122 or PTB Ratio of 1.17. Citizens financial statements analysis is a perfect complement when working with Citizens Community Valuation or Volatility modules.
  
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Check out the analysis of Citizens Community Correlation against competitors.

Citizens Community Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets2.1 B2 B1.2 B
Slightly volatile
Total Stockholder Equity216.2 M205.9 M117 M
Slightly volatile
Non Current Assets Total2 B1.9 B1.1 B
Slightly volatile
Non Currrent Assets Other24.8 M48.4 M32.9 M
Pretty Stable
Other Assets165.9 M174.6 M611.7 M
Very volatile
Common Stock Shares Outstanding7.2 M9.7 M7.8 M
Slightly volatile
Liabilities And Stockholders Equity2.1 B2 B1.2 B
Slightly volatile
Non Current Liabilities Total89.2 M87.7 M92.5 M
Slightly volatile
Other Stockholder Equity73.4 M131.7 M85.6 M
Slightly volatile
Total Liabilities1.9 B1.8 B1.1 B
Slightly volatile
Cash37.1 M57.7 M41 M
Slightly volatile
Cash And Short Term Investments82.4 M141.5 M104.2 M
Slightly volatile
Total Current Assets85.1 M148 M107.6 M
Slightly volatile
Short and Long Term Debt Total99.7 M76.6 M101.3 M
Slightly volatile
Other Current Liabilities1.8 B1.7 B967.3 M
Slightly volatile
Total Current Liabilities1.8 B1.7 B988 M
Slightly volatile
Property Plant And Equipment Net10.3 M19.6 M12 M
Slightly volatile
Retained Earnings97.6 M93 M34 M
Slightly volatile
Net Receivables6.8 M6.5 M3.6 M
Slightly volatile
Property Plant And Equipment Gross38.2 M36.4 M17.1 M
Slightly volatile
Intangible Assets3.7 M5.3 M4.5 M
Slightly volatile
Other Liabilities5.5 M8.8 M5.9 M
Slightly volatile
Accounts Payable1.7 B1.6 B951.3 M
Slightly volatile
Long Term Debt69.9 M76.6 M63.5 M
Slightly volatile
Common Stock Total Equity72.7 K119.6 K78.9 K
Slightly volatile
Short Term Debt5.5 M5.8 M51.4 M
Very volatile
Common Stock78 K115 K78.7 K
Slightly volatile
Property Plant Equipment24.7 M23.6 M13.2 M
Slightly volatile
Short Term Investments74.2 M83.8 M85.9 M
Slightly volatile
Other Current Assets37.9 M39.9 M234.9 M
Slightly volatile
Net Tangible Assets92.6 M153.1 M92.8 M
Slightly volatile
Capital Surpluse95.5 M137.1 M90.3 M
Slightly volatile
Long Term Investments284.9 M271.4 M120.1 M
Slightly volatile
Non Current Liabilities Other183.7 M175 M89.2 M
Slightly volatile
Short and Long Term Debt5.5 M5.8 M66.3 M
Pretty Stable
Long Term Debt Total46.9 M83.3 M37.6 M
Slightly volatile
Earning Assets174.2 M266.7 M164.1 M
Slightly volatile
Net Invested Capital326.4 M282.5 M255.2 M
Slightly volatile
Capital Stock85.3 K90 K105.5 K
Slightly volatile

Citizens Community Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Interest Expense41 M39.1 M15.7 M
Slightly volatile
Total Revenue94.6 M90.1 M53.1 M
Slightly volatile
Gross Profit28 M49.2 M35.1 M
Slightly volatile
Other Operating Expenses87.9 M83.8 M44.6 M
Slightly volatile
Operating Income6.7 M6.3 M9.4 M
Slightly volatile
EBIT6.7 M6.3 M9.4 M
Slightly volatile
EBITDA8.7 M8.9 M11.9 M
Slightly volatile
Total Operating Expenses22.5 M42.9 M26.6 M
Slightly volatile
Income Before Tax18.3 M17.4 M10.5 M
Slightly volatile
Net Income15.1 M14.4 M7.9 M
Slightly volatile
Income Tax Expense1.9 M3 M2.6 M
Slightly volatile
Depreciation And Amortization2.2 M2.6 M2.5 M
Slightly volatile
Selling General Administrative14.6 M24.5 M16.3 M
Slightly volatile
Net Income Applicable To Common Shares21.4 M20.4 M9.1 M
Slightly volatile
Selling And Marketing Expenses2.2 M2.1 M807.8 K
Slightly volatile
Tax Provision4.3 M4.3 M3 M
Slightly volatile
Net Interest Income45.4 M53.4 M34.7 M
Slightly volatile
Interest Income64.1 M103.1 M49.5 M
Slightly volatile
Non Operating Income Net Other50.4 K56.7 K61.9 K
Slightly volatile
Reconciled Depreciation3.3 M3.9 M2.3 M
Slightly volatile

Citizens Community Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow23.3 M22.2 M11.7 M
Slightly volatile
Begin Period Cash Flow33.8 M42.7 M38.6 M
Slightly volatile
Depreciation2.2 M3.9 M2.5 M
Slightly volatile
Total Cash From Operating Activities24.4 M23.2 M13.4 M
Slightly volatile
Net Income16.6 M15.8 M8 M
Slightly volatile
End Period Cash Flow35.4 M57.7 M37.4 M
Slightly volatile
Change To Netincome13.9 M13.3 M7.6 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio3.021.92056.807
Very volatile
Dividend Yield0.01220.02020.0126
Slightly volatile
PTB Ratio1.171.070.9268
Pretty Stable
Days Sales Outstanding17.7418.6887.7287
Very volatile
Book Value Per Share8.6815.812.749
Slightly volatile
Free Cash Flow Yield0.0880.10.1155
Pretty Stable
Operating Cash Flow Per Share0.931.781.3876
Slightly volatile
Stock Based Compensation To Revenue0.00.00.001
Slightly volatile
Capex To Depreciation0.280.30.6547
Very volatile
PB Ratio1.171.070.9268
Pretty Stable
EV To Sales1.571.6511.6287
Very volatile
Free Cash Flow Per Share1.791.71.2601
Slightly volatile
Net Income Per Share1.561.48560.8492
Slightly volatile
Sales General And Administrative To Revenue0.340.27160.6092
Pretty Stable
Capex To Revenue0.00760.0080.1495
Very volatile
Cash Per Share8.4810.8614.1036
Slightly volatile
POCF Ratio10.559.4710.2076
Very volatile
Interest Coverage0.150.16160.835
Pretty Stable
Payout Ratio0.310.24230.1984
Slightly volatile
Capex To Operating Cash Flow0.04810.05070.1493
Very volatile
PFCF Ratio8.147.7512.6656
Pretty Stable
Income Quality1.61.694.6363
Slightly volatile
ROE0.07260.06910.0581
Slightly volatile
EV To Operating Cash Flow13.148.1418.7585
Pretty Stable
PE Ratio11.411.995526.0883
Slightly volatile
Return On Tangible Assets0.00760.00720.0058
Slightly volatile
EV To Free Cash Flow8.948.5223.6623
Pretty Stable
Earnings Yield0.08750.08340.0672
Slightly volatile
Intangibles To Total Assets0.0110.01860.0155
Slightly volatile
Current Ratio0.0880.07760.1294
Slightly volatile
Tangible Book Value Per Share7.4812.6210.4694
Slightly volatile
Receivables Turnover18.0720.2314.6568
Pretty Stable
Graham Number21.8120.7714.9439
Slightly volatile
Shareholders Equity Per Share8.6815.812.749
Slightly volatile
Debt To Equity0.410.431.1333
Slightly volatile
Capex Per Share0.07450.07850.1835
Pretty Stable
Average Receivables388.5 K485.6 K521.1 K
Pretty Stable
Revenue Per Share9.749.2796.0102
Slightly volatile
Interest Debt Per Share11.49.6916.2478
Pretty Stable
Debt To Assets0.04160.04380.1109
Slightly volatile
Enterprise Value Over EBITDA9.5610.0621.7899
Slightly volatile
Short Term Coverage Ratios3.813.630.7814
Slightly volatile
Price Earnings Ratio11.411.995526.0883
Slightly volatile
Operating Cycle17.7418.6887.7287
Very volatile
Price Book Value Ratio1.171.070.9268
Pretty Stable
Dividend Payout Ratio0.310.24230.1984
Slightly volatile
Price To Operating Cash Flows Ratio10.559.4710.2076
Very volatile
Price To Free Cash Flows Ratio8.147.7512.6656
Pretty Stable
Pretax Profit Margin0.160.19360.4314
Very volatile
Ebt Per Ebit2.612.491.5978
Slightly volatile
Operating Profit Margin0.06660.07010.641
Very volatile
Effective Tax Rate0.160.17320.2844
Slightly volatile
Company Equity Multiplier7.828.7910.0482
Slightly volatile
Long Term Debt To Capitalization0.420.290.308
Slightly volatile
Total Debt To Capitalization0.420.240.5013
Slightly volatile
Return On Capital Employed0.03580.06150.0618
Slightly volatile
Debt Equity Ratio0.410.431.1333
Slightly volatile
Ebit Per Revenue0.06660.07010.641
Very volatile
Quick Ratio0.0880.07760.1294
Slightly volatile
Dividend Paid And Capex Coverage Ratio6.855.485.9898
Slightly volatile
Net Income Per E B T0.540.82680.698
Very volatile
Cash Ratio0.05840.03860.0441
Pretty Stable
Cash Conversion Cycle17.7418.6887.7287
Very volatile
Operating Cash Flow Sales Ratio0.30.180.6726
Very volatile
Days Of Sales Outstanding17.7418.6887.7287
Very volatile
Free Cash Flow Operating Cash Flow Ratio0.630.860.8265
Slightly volatile
Cash Flow Coverage Ratios0.290.270.1354
Slightly volatile
Price To Book Ratio1.171.070.9268
Pretty Stable
Fixed Asset Turnover5.256.74.5493
Very volatile
Capital Expenditure Coverage Ratio21.4520.4311.4279
Pretty Stable
Price Cash Flow Ratio10.559.4710.2076
Very volatile
Enterprise Value Multiple9.5610.0621.7899
Slightly volatile
Debt Ratio0.04160.04380.1109
Slightly volatile
Cash Flow To Debt Ratio0.290.270.1354
Slightly volatile
Price Sales Ratio3.021.92056.807
Very volatile
Return On Assets0.00740.00710.0057
Slightly volatile
Asset Turnover0.05470.06540.0441
Pretty Stable
Net Profit Margin0.110.16010.2927
Very volatile
Gross Profit Margin0.470.54680.6788
Very volatile
Price Fair Value1.171.070.9268
Pretty Stable
Return On Equity0.07260.06910.0581
Slightly volatile

Citizens Community Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap163.5 M155.7 M99.9 M
Slightly volatile
Enterprise Value87.7 M130.2 M130.2 M
Slightly volatile

Citizens Fundamental Market Drivers

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 Revenue90.1 M94.6 M
Cost Of Revenue40.8 M42.9 M
Sales General And Administrative To Revenue 0.27  0.34 
Capex To Revenue 0.01  0.01 
Revenue Per Share 9.28  9.74 
Ebit Per Revenue 0.07  0.07 

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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:
How To Invest In Citizens
Details
Is Citizens Stock a good investment?
Details
What is Citizens Community's Net Worth?
Details
Largest Banks - Regional Companies
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Largest Financial Services Companies
View
Check out the analysis of Citizens Community Correlation against competitors.
You can also try the Idea Breakdown module to analyze constituents of all Macroaxis ideas. Macroaxis investment ideas are predefined, sector-focused investing themes.
Is there potential for Regional Banks market expansion? Will Citizens introduce new products? Factors like these will boost the valuation of Citizens Community. Projected growth potential of Citizens fundamentally drives upward valuation adjustments. Understanding fair value requires weighing current performance against future potential. 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
0.642
Dividend Share
0.36
Earnings Share
1.46
Revenue Per Share
6.099
Quarterly Revenue Growth
0.098
Investors evaluate Citizens Community using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Citizens Community's intrinsic value—the estimated true worth—helps identify when the stock trades at a discount or premium to fair value. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. External factors like market trends, sector rotation, and investor psychology can cause Citizens Community's market price to deviate significantly from intrinsic value.
Altman
Z Score
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Piotroski
F Score
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Beneish
M Score
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Financial
Analysis
Details
Buy or Sell
Advice
Details
Earnings
Projections
Details
It's important to distinguish between Citizens Community's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Citizens Community should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Conversely, Citizens Community's market price signifies the transaction level at which participants voluntarily complete trades.
Macroaxis helps investors of all levels and skills to maximize the upside of all their holdings and minimize the risk associated with market volatility, economic swings, and company-specific events. View terms and conditions
 
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