Citizens Community Bancorp Net Income
| CZWI Stock | USD 19.00 0.01 0.05% |
As of the 8th of February, Citizens Community shows the Risk Adjusted Performance of 0.167, mean deviation of 0.981, and Downside Deviation of 1.21. Citizens Community technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices.
Citizens Community Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 3.7665 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 14.4 M | 15.1 M | |
| Net Income Applicable To Common Shares | 20.4 M | 21.4 M | |
| Net Income From Continuing Ops | 15.8 M | 8.7 M | |
| Net Income Per Share | 1.49 | 1.56 | |
| Net Income Per E B T | 0.83 | 0.54 |
Citizens | Net Income | Build AI portfolio with Citizens Stock |
The Net Income trend for Citizens Community Bancorp offers valuable insights into the company's financial trajectory and strategic direction. By examining multi-year patterns, investors can identify whether Citizens Community is strengthening or weakening its position, and how this metric correlates with broader market conditions and industry benchmarks.
Latest Citizens Community's Net Income Growth Pattern
Below is the plot of the Net Income of Citizens Community Bancorp over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Citizens Community financial statement analysis. It represents the amount of money remaining after all of Citizens Community Bancorp operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Citizens Community's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Citizens Community's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 14.42 M | 10 Years Trend |
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Net Income |
| Timeline |
Citizens Net Income Regression Statistics
| Arithmetic Mean | 7,867,941 | |
| Geometric Mean | 3,823,224 | |
| Coefficient Of Variation | 90.30 | |
| Mean Deviation | 6,428,526 | |
| Median | 4,283,000 | |
| Standard Deviation | 7,104,805 | |
| Sample Variance | 50.5T | |
| Range | 21.1M | |
| R-Value | 0.88 | |
| Mean Square Error | 12.6T | |
| R-Squared | 0.77 | |
| Slope | 1,231,311 | |
| Total Sum of Squares | 807.7T |
Citizens Net Income History
Other Fundumenentals of Citizens Community
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Citizens Community Net Income component correlations
Citizens Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Citizens Community is extremely important. It helps to project a fair market value of Citizens Stock properly, considering its historical fundamentals such as Net Income. Since Citizens Community's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Citizens Community's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Citizens Community's interrelated accounts and indicators.
Click cells to compare fundamentals
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 | 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.
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.
Citizens Community 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Citizens Community's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Citizens Community.
| 11/10/2025 |
| 02/08/2026 |
If you would invest 0.00 in Citizens Community on November 10, 2025 and sell it all today you would earn a total of 0.00 from holding Citizens Community Bancorp or generate 0.0% return on investment in Citizens Community over 90 days. Citizens Community is related to or competes with United Security, Hanover Bancorp, Peoples Bancorp, Ohio Valley, BV Financial, Meridian Bank, and CF Bankshares. Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal N.A More
Citizens Community Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Citizens Community's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Citizens Community Bancorp upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.21 | |||
| Information Ratio | 0.135 | |||
| Maximum Drawdown | 7.54 | |||
| Value At Risk | (1.74) | |||
| Potential Upside | 2.17 |
Citizens Community Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Citizens Community's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Citizens Community's standard deviation. In reality, there are many statistical measures that can use Citizens Community historical prices to predict the future Citizens Community's volatility.| Risk Adjusted Performance | 0.167 | |||
| Jensen Alpha | 0.2137 | |||
| Total Risk Alpha | 0.1278 | |||
| Sortino Ratio | 0.1485 | |||
| Treynor Ratio | 0.4519 |
Sophisticated investors, who have witnessed many market ups and downs, anticipate that the market will even out over time. This tendency of Citizens Community's price to converge to an average value over time is called mean reversion. However, historically, high market prices usually discourage investors that believe in mean reversion to invest, while low prices are viewed as an opportunity to buy.
Citizens Community February 8, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.167 | |||
| Market Risk Adjusted Performance | 0.4619 | |||
| Mean Deviation | 0.981 | |||
| Semi Deviation | 0.8461 | |||
| Downside Deviation | 1.21 | |||
| Coefficient Of Variation | 494.13 | |||
| Standard Deviation | 1.33 | |||
| Variance | 1.77 | |||
| Information Ratio | 0.135 | |||
| Jensen Alpha | 0.2137 | |||
| Total Risk Alpha | 0.1278 | |||
| Sortino Ratio | 0.1485 | |||
| Treynor Ratio | 0.4519 | |||
| Maximum Drawdown | 7.54 | |||
| Value At Risk | (1.74) | |||
| Potential Upside | 2.17 | |||
| Downside Variance | 1.46 | |||
| Semi Variance | 0.7159 | |||
| Expected Short fall | (1.16) | |||
| Skewness | 0.4533 | |||
| Kurtosis | 1.57 |
Citizens Community Backtested Returns
Citizens Community appears to be very steady, given 3 months investment horizon. Citizens Community secures Sharpe Ratio (or Efficiency) of 0.2, which signifies that the company had a 0.2 % return per unit of risk over the last 3 months. We have found twenty-nine technical indicators for Citizens Community Bancorp, which you can use to evaluate the volatility of the firm. Please makes use of Citizens Community's Risk Adjusted Performance of 0.167, downside deviation of 1.21, and Mean Deviation of 0.981 to double-check if our risk estimates are consistent with your expectations. On a scale of 0 to 100, Citizens Community holds a performance score of 15. The firm shows a Beta (market volatility) of 0.57, which signifies possible diversification benefits within a given portfolio. As returns on the market increase, Citizens Community's returns are expected to increase less than the market. However, during the bear market, the loss of holding Citizens Community is expected to be smaller as well. Please check Citizens Community's value at risk, as well as the relationship between the skewness and day median price , to make a quick decision on whether Citizens Community's price patterns will revert.
Auto-correlation | 0.68 |
Good predictability
Citizens Community Bancorp has good predictability. Overlapping area represents the amount of predictability between Citizens Community time series from 10th of November 2025 to 25th of December 2025 and 25th of December 2025 to 8th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Citizens Community price movement. The serial correlation of 0.68 indicates that around 68.0% of current Citizens Community price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.68 | |
| Spearman Rank Test | 0.54 | |
| Residual Average | 0.0 | |
| Price Variance | 0.2 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Citizens Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Citizens Community Bancorp reported net income of 14.42 M. This is 98.87% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 97.47% higher than that of the company.
Citizens Net Income 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 Net Income 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 net income 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 Community Institutional Holders
Institutional Holdings refers to the ownership stake in Citizens Community that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Citizens Community's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Citizens Community's value.| Shares | Wellington Management Company Llp | 2025-06-30 | 113.7 K | Royce & Associates, Lp | 2025-06-30 | 112 K | Arrowstreet Capital Limited Partnership | 2025-06-30 | 98.6 K | State Street Corp | 2025-06-30 | 95.6 K | Pinnacle Holdings, Llc | 2025-06-30 | 91.3 K | Northern Trust Corp | 2025-06-30 | 89.1 K | Rfg - Bristol Wealth Advisors, Llc | 2025-06-30 | 89 K | O'shaughnessy Asset Management Llc | 2025-06-30 | 63.3 K | Empowered Funds, Llc | 2025-06-30 | 61.1 K | Alliancebernstein L.p. | 2025-06-30 | 959.4 K | Vanguard Group Inc | 2025-06-30 | 555.8 K |
Citizens Fundamentals
| Return On Equity | 0.0786 | ||||
| Return On Asset | 0.0082 | ||||
| Profit Margin | 0.24 % | ||||
| Operating Margin | 0.35 % | ||||
| Current Valuation | 115.68 M | ||||
| Shares Outstanding | 9.62 M | ||||
| Shares Owned By Insiders | 6.56 % | ||||
| Shares Owned By Institutions | 64.54 % | ||||
| Number Of Shares Shorted | 79.89 K | ||||
| Price To Earning | 10.24 X | ||||
| Price To Book | 0.97 X | ||||
| Price To Sales | 3.04 X | ||||
| Revenue | 90.07 M | ||||
| Gross Profit | 60.38 M | ||||
| EBITDA | 8.9 M | ||||
| Net Income | 14.42 M | ||||
| Cash And Equivalents | 29.78 M | ||||
| Cash Per Share | 2.84 X | ||||
| Total Debt | 51.8 M | ||||
| Debt To Equity | 9.78 % | ||||
| Book Value Per Share | 19.54 X | ||||
| Cash Flow From Operations | 20.18 M | ||||
| Short Ratio | 1.78 X | ||||
| Earnings Per Share | 1.46 X | ||||
| Target Price | 21.0 | ||||
| Number Of Employees | 207 | ||||
| Beta | 0.67 | ||||
| Market Capitalization | 183.54 M | ||||
| Total Asset | 1.78 B | ||||
| Retained Earnings | 90 M | ||||
| Annual Yield | 0.02 % | ||||
| Five Year Return | 1.86 % | ||||
| Net Asset | 1.78 B | ||||
| Last Dividend Paid | 0.36 |
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.
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Check out You can also try the Aroon Oscillator module to analyze current equity momentum using Aroon Oscillator and other momentum ratios.
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 | 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.
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.