Citizens Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . Citizens Community Bancorp
CZWI Stock  USD 18.32  0.81  4.63%   
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
59 M
Profit Margin
0.2179
Market Capitalization
177 M
Enterprise Value Revenue
3.596
Revenue
59 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 115.8 M, while Enterprise Value is projected to decrease to under 71.5 M.

Citizens Community Total Revenue

120.06 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 52.1 M, Total Revenue of 120.1 M or Gross Profit of 71.8 M, as well as many indicators such as Price To Sales Ratio of 1.43, Dividend Yield of 0.0119 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 Outstanding7.1 M11.7 M7.9 M
Slightly volatile
Liabilities And Stockholders Equity2.1 B2 B1.2 B
Slightly volatile
Non Current Liabilities Total1.9 B1.8 B407.2 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 Total99.8 M77.8 M101.4 M
Slightly volatile
Other Current Liabilities1.8 B1.7 B966.3 M
Slightly volatile
Total Current Liabilities1.8 B1.7 B967.3 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 Debt6 M6.3 M43.2 M
Pretty Stable
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 Expense52.1 M49.6 M17 M
Slightly volatile
Total Revenue120.1 M114.3 M56 M
Slightly volatile
Gross Profit71.8 M68.4 M38.8 M
Slightly volatile
Other Operating Expenses99 M94.3 M45.9 M
Slightly volatile
Operating Income21.1 M20.1 M11.1 M
Slightly volatile
EBIT21.1 M20.1 M11.1 M
Slightly volatile
EBITDA25.2 M24 M13.7 M
Slightly volatile
Total Operating Expenses50.7 M48.3 M28.6 M
Slightly volatile
Income Before Tax21.1 M20.1 M10.8 M
Slightly volatile
Net Income16.6 M15.8 M8 M
Slightly volatile
Income Tax Expense4.5 M4.3 M2.8 M
Slightly volatile
Depreciation And Amortization2.2 M3.9 M2.5 M
Slightly volatile
Selling General Administrative14 M27.1 M16.4 M
Slightly volatile
Net Income Applicable To Common Shares21.4 M20.4 M9.1 M
Slightly volatile
Selling And Marketing Expenses591.6 K912 K646.9 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 Ratio1.431.56.6888
Very volatile
Dividend Yield0.01190.01810.0124
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 Sales1.581.6611.1972
Very volatile
Free Cash Flow Per Share1.791.71.2601
Slightly volatile
ROIC0.04890.04660.0335
Slightly volatile
Net Income Per Share1.271.210.8159
Slightly volatile
Sales General And Administrative To Revenue0.340.210.6056
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 Coverage0.430.360.8631
Pretty Stable
Payout Ratio0.310.280.2006
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 Flow11.528.1917.0188
Pretty Stable
PE Ratio13.213.8926.3056
Slightly volatile
Return On Tangible Assets0.00760.00720.0058
Slightly volatile
EV To Free Cash Flow9.08.5721.9295
Pretty Stable
Earnings Yield0.07820.07450.0662
Slightly volatile
Intangibles To Total Assets0.0110.01860.0155
Slightly volatile
Current Ratio0.0960.07780.1403
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 Equity0.320.340.9123
Slightly volatile
Capex Per Share0.07450.07850.1835
Pretty Stable
Average Receivables388.5 K485.6 K521.1 K
Pretty Stable
Revenue Per Share9.218.775.949
Slightly volatile
Interest Debt Per Share9.859.7813.8562
Slightly volatile
Debt To Assets0.04230.04450.0895
Slightly volatile
Enterprise Value Over EBITDA9.6110.1217.675
Slightly volatile
Short Term Coverage Ratios3.483.313.4333
Slightly volatile
Price Earnings Ratio13.213.8926.3056
Slightly volatile
Operating Cycle17.7418.6887.7287
Very volatile
Price Book Value Ratio1.171.070.9268
Pretty Stable
Dividend Payout Ratio0.310.280.2006
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 Margin0.160.17550.4295
Very volatile
Ebt Per Ebit0.940.650.6145
Very volatile
Operating Profit Margin0.220.160.6553
Very volatile
Effective Tax Rate0.350.240.2995
Pretty Stable
Company Equity Multiplier7.828.7910.0482
Slightly volatile
Long Term Debt To Capitalization0.380.230.4607
Pretty Stable
Total Debt To Capitalization0.380.250.4629
Pretty Stable
Return On Capital Employed0.06330.06030.0406
Slightly volatile
Debt Equity Ratio0.320.340.9123
Slightly volatile
Ebit Per Revenue0.220.160.6553
Very volatile
Quick Ratio0.0960.07780.1403
Slightly volatile
Dividend Paid And Capex Coverage Ratio6.855.485.9898
Slightly volatile
Net Income Per E B T0.540.710.6911
Very volatile
Cash Ratio0.06020.03880.0452
Very volatile
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 Ratios0.360.340.1587
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 Multiple9.6110.1217.675
Slightly volatile
Debt Ratio0.04230.04450.0895
Slightly volatile
Cash Flow To Debt Ratio0.360.340.1587
Slightly volatile
Price Sales Ratio1.431.56.6888
Very volatile
Return On Assets0.00740.00710.0057
Slightly volatile
Asset Turnover0.05470.06540.0441
Pretty Stable
Net Profit Margin0.110.120.2904
Very volatile
Gross Profit Margin0.480.540.679
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 Cap115.8 M110.3 M91.5 M
Slightly volatile
Enterprise Value71.5 M130.2 M117.3 M
Slightly volatile

Citizens Fundamental Market Drivers

Forward Price Earnings10.7181
Cash And Short Term Investments123 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 Revenue114.3 M120.1 M
Cost Of Revenue46 M48.3 M
Sales General And Administrative To Revenue 0.21  0.34 
Capex To Revenue 0.01  0.01 
Revenue Per Share 8.77  9.21 
Ebit Per Revenue 0.16  0.22 

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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
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Check out the analysis of Citizens Community Correlation against competitors.
You can also try the Portfolio Manager module to state of the art Portfolio Manager to monitor and improve performance of your invested capital.
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
0.156
Dividend Share
0.36
Earnings Share
1.29
Revenue Per Share
5.912
Quarterly Revenue Growth
0.067
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.
Altman
Z Score
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Piotroski
F Score
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Beneish
M Score
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Financial
Analysis
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Buy or Sell
Advice
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Earnings
Projections
Details
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.
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