Citizens Community Bancorp Stock Fundamentals
| CZWI Stock | USD 16.10 0.48 3.07% |
Citizens Community Bancorp fundamentals help investors to digest information that contributes to Citizens Community's financial success or failures. It also enables traders to predict the movement of Citizens Stock. The fundamental analysis module provides a way to measure Citizens Community's intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to Citizens Community stock.
As of now, Citizens Community's Other Operating Expenses is increasing as compared to previous years. The Citizens Community's current Operating Income is estimated to increase to about 25.5 M, while EBIT is projected to decrease to under 11.6 M. Citizens | Select Account or Indicator |
Citizens Community Bancorp Company Operating Margin Analysis
Citizens Community's Operating Margin shows how much operating income a company makes on each dollar of sales. It is one of the profitability indicators which helps analysts to understand whether the firm is successful or not making money from everyday operations.
Current Citizens Community Operating Margin | 0.33 % |
Most of Citizens Community's fundamental indicators, such as Operating Margin, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, Citizens Community Bancorp is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.
Citizens Operating Margin Historical Pattern
Today, most investors in Citizens Community Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Citizens Community's growth ratios. Consistent increases or drops in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's operating margin growth rates may not be enough to decide which company is a better investment. That's why investors frequently use a static breakdown of Citizens Community operating margin as a starting point in their analysis.
Citizens Community Operating Margin |
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A good Operating Margin is required for a company to be able to pay for its fixed costs or payout its debt, which implies that the higher the margin, the better. This ratio is most effective in evaluating the earning potential of a company over time when comparing it against a firm's competitors.
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Citizens Pretax Profit Margin
Pretax Profit Margin |
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Based on the recorded statements, Citizens Community Bancorp has an Operating Margin of 0.3281%. This is 98.22% lower than that of the Banks sector and significantly higher than that of the Financials industry. The operating margin for all United States stocks is 105.95% lower than that of the firm.
Citizens Community Fundamental Drivers Relationships
Comparative valuation techniques use various fundamental indicators to help in determining Citizens Community's current stock value. Our valuation model uses many indicators to compare Citizens Community value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Citizens Community competition to find correlations between indicators driving Citizens Community's intrinsic value. More Info.Citizens Community Bancorp is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers reporting about 0.09 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Citizens Community Bancorp is roughly 10.53 . As of now, Citizens Community's Return On Equity is increasing as compared to previous years. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Citizens Community's earnings, one of the primary drivers of an investment's value.Citizens Operating Margin Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Citizens Community's direct or indirect competition against its Operating Margin to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Citizens Community could also be used in its relative valuation, which is a method of valuing Citizens Community by comparing valuation metrics of similar companies.Citizens Community is currently under evaluation in operating margin category among its peers.
Citizens Community ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Citizens Community's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Citizens Community's managers, analysts, and investors.Environmental | Governance | Social |
Citizens Fundamentals
| Return On Equity | 0.0853 | |||
| Return On Asset | 0.0081 | |||
| Profit Margin | 0.24 % | |||
| Operating Margin | 0.33 % | |||
| Current Valuation | 197.45 M | |||
| Shares Outstanding | 10.03 M | |||
| Shares Owned By Insiders | 4.91 % | |||
| Shares Owned By Institutions | 54.77 % | |||
| Number Of Shares Shorted | 29.54 K | |||
| Price To Earning | 10.24 X | |||
| Price To Book | 0.83 X | |||
| Price To Sales | 2.60 X | |||
| Revenue | 59.07 M | |||
| Gross Profit | 65.32 M | |||
| EBITDA | 22.06 M | |||
| Net Income | 13.06 M | |||
| Cash And Equivalents | 29.78 M | |||
| Cash Per Share | 2.84 X | |||
| Total Debt | 147 M | |||
| Debt To Equity | 9.78 % | |||
| Book Value Per Share | 17.88 X | |||
| Cash Flow From Operations | 13.12 M | |||
| Short Ratio | 3.81 X | |||
| Earnings Per Share | 1.43 X | |||
| Target Price | 16.5 | |||
| Number Of Employees | 214 | |||
| Beta | 1.08 | |||
| Market Capitalization | 156.73 M | |||
| Total Asset | 1.85 B | |||
| Retained Earnings | 71.12 M | |||
| Annual Yield | 0.02 % | |||
| Five Year Return | 1.86 % | |||
| Net Asset | 1.85 B | |||
| Last Dividend Paid | 0.32 |
About Citizens Community Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Citizens Community Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Citizens Community using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Citizens Community Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.| Last Reported | Projected for Next Year | ||
| Total Revenue | 59.1 M | 62 M | |
| Cost Of Revenue | -31.3 M | -29.7 M | |
| Sales General And Administrative To Revenue | 0.37 | 0.67 | |
| Capex To Revenue | 0.02 | 0.02 | |
| Revenue Per Share | 5.64 | 3.08 | |
| Ebit Per Revenue | 0.41 | 0.39 |
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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:Check out Citizens Community Piotroski F Score and Citizens Community Altman Z Score analysis. You can also try the Technical Analysis module to check basic technical indicators and analysis based on most latest market data.
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 | Dividend Share 0.32 | Earnings Share 1.43 | Revenue Per Share 5.816 | Quarterly Revenue Growth (0.03) |
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.