Citizens Community Bancorp Inc. - Understand $czwi stock

$CZWI Market Cap: $169.4 Million

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Financial Snapshot

Revenue

$67.65M

TTM

Gross Margin

Net Earnings

$14.74M

TTM

Current Assets

Current Liabilities

$1.330M

Q3 2024

Current Ratio

Total Assets

$1.799B

Q3 2024

Total Liabilities

$1.619B

Q3 2024

Book Value

$180.1M

Q3 2024

Cash

$36.63M

Q3 2024

P/E

11.49

Nov 29, 2024 EST

Free Cash Flow

$20.29M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002
Revenue	$84.25M	$69.40M	$64.04M	$64.53M	$60.42M	$38.90M	$27.88M	$25.08M	$23.00M	$24.03M	$24.58M	$27.09M	$29.76M
YoY Change	21.4%	8.37%	-0.76%	6.79%	55.35%	39.52%	11.14%	9.04%	-4.28%	-2.21%	-9.27%	-9.0%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Revenue	$84.25M	$69.40M	$64.04M	$64.53M	$60.42M	$38.90M	$27.88M	$25.08M	$23.00M	$24.03M	$24.58M	$27.09M	$29.76M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$2.371M	$2.357M	$2.255M	$1.954M	$1.564M	$1.054M	$864.0K	$1.071M	$1.382M	$1.116M	$1.079M	$1.043M	$1.100M	$1.450M	$1.290M	$840.0K	$790.0K	$720.0K	$380.0K	$280.0K	$270.0K	$270.0K
YoY Change	0.59%	4.52%	15.4%	24.94%	48.39%	21.99%	-19.33%	-22.5%	23.84%	3.43%	3.45%	-5.18%	-24.14%	12.4%	53.57%	6.33%	9.72%	89.47%	35.71%	3.7%	0.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Interest Expense	$35.90M	$13.03M	$10.37M	$14.27M	$16.91M	$8.593M	$5.610M	$5.007M	$4.438M	$4.275M	$5.312M	$6.591M	$8.913M
YoY Change	175.55%	25.66%	-27.35%	-15.6%	96.79%	53.17%	12.04%	12.82%	3.81%	-19.52%	-19.41%	-26.05%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002
Pretax Income	$18.93M	$23.58M	$28.96M	$17.28M	$12.28M	$6.609M	$3.822M	$3.859M	$4.420M	$4.040M	$1.682M	$367.0K	$330.0K	-$8.050M	-$5.270M	$2.480M	$1.190M	$760.0K	$1.740M	$1.380M	$990.0K	$990.0K
YoY Change	-19.72%	-18.57%	67.59%	40.75%	85.76%	72.92%	-0.96%	-12.69%	9.41%	140.19%	358.31%	11.21%	-104.1%	52.75%	-312.5%	108.4%	56.58%	-56.32%	26.09%	39.39%	0.0%
Income Tax	$5.873M	$5.820M	$7.693M	$4.555M	$2.814M	$2.326M	$1.323M	$1.286M	$1.614M	$1.531M	$635.0K	$161.0K	$137.0K	-$960.0K	-$2.090M	$1.010M	$450.0K	$310.0K	$680.0K	$540.0K	$390.0K	$390.0K
% Of Pretax Income	31.02%	24.68%	26.57%	26.36%	22.92%	35.19%	34.62%	33.32%	36.52%	37.9%	37.75%	43.87%	41.52%			40.73%	37.82%	40.79%	39.08%	39.13%	39.39%	39.39%
Net Earnings	$13.06M	$17.76M	$21.27M	$12.73M	$9.463M	$4.283M	$2.499M	$2.573M	$2.806M	$2.509M	$1.047M	$206.0K	$193.0K	-$7.090M	-$3.180M	$1.470M	$740.0K	$450.0K	$1.050M	$840.0K	$600.0K	$600.0K
YoY Change	-26.47%	-16.48%	67.12%	34.47%	120.94%	71.39%	-2.88%	-8.3%	11.84%	139.64%	408.25%	6.74%	-102.72%	122.96%	-316.33%	98.65%	64.44%	-57.14%	25.0%	40.0%	0.0%
Net Earnings / Revenue	15.5%	25.59%	33.21%	19.72%	15.66%	11.01%	8.96%	10.26%	12.2%	10.44%	4.26%	0.76%	0.65%
Basic Earnings Per Share	$1.25	$1.69	$1.98	$1.14	$0.85	$0.72	$0.47	$0.49	$0.54	$0.49	$0.20	$0.04	$0.04
Diluted Earnings Per Share	$1.25	$1.690M	$1.98	$1.14	$0.85	$0.58	$0.46	$0.49	$0.54	$0.48	$0.20	$0.04	$0.04	-$1.385M	-$592.2K	$235.6K	$110.0K	$123.6K	$348.8K	$276.3K	$215.8K	$215.8K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$18.37M	$20.49M	$23.30M	$23.80M	$23.90M	$13.50M	$9.600M	$5.300M	$2.700M	$3.700M	$4.800M	$5.500M	$6.700M	$7.200M	$8.000M	$5.900M	$3.500M	$3.700M	$2.900M	$2.200M	$2.300M	$2.300M
YoY Change	-10.34%	-12.05%	-2.1%	-0.42%	77.04%	40.63%	81.13%	96.3%	-27.03%	-22.92%	-12.73%	-17.91%	-6.94%	-10.0%	35.59%	68.57%	-5.41%	27.59%	31.82%	-4.35%	0.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets	$1.851B	$1.816B	$1.740B	$1.649B	$1.531B	$1.288B	$940.7M	$695.9M	$580.1M	$569.8M	$554.5M	$530.2M	$536.6M	$594.4M	$575.4M	$480.0M	$386.1M	$284.0M	$245.7M	$162.0M	$130.4M	$130.4M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$1.686M	$1.945M	$2.200M	$2.800M	$2.800M
YoY Change	-13.32%	-11.59%	-21.43%	0.0%
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$1.686M	$1.945M	$2.200M	$2.800M	$2.800M
YoY Change	-13.32%	-11.59%	-21.43%	0.0%
Long-Term Debt	$67.47M	$72.41M	$58.40M	$58.30M	$43.60M	$24.60M	$30.30M	$11.00M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	-6.83%	23.99%	0.17%	33.72%	77.24%	-18.81%	175.45%
Other Long-Term Liabilities	$11.97M	$9.639M	$9.000M	$8.700M	$7.600M	$7.800M	$4.400M	$3.400M	$3.500M	$3.900M	$2.900M	$3.800M	$4.300M	$4.000M	$3.900M	$4.100M	$3.800M	$6.000M	$2.500M	$900.0K	$700.0K	$700.0K
YoY Change	24.18%	7.1%	3.45%	14.47%	-2.56%	77.27%	29.41%	-2.86%	-10.26%	34.48%	-23.68%	-11.63%	7.5%	2.56%	-4.88%	7.89%	-36.67%	140.0%	177.78%	28.57%	0.0%
Total Long-Term Liabilities	$79.44M	$82.05M	$67.40M	$67.00M	$51.20M	$32.40M	$34.70M	$14.40M	$3.500M	$3.900M	$2.900M	$3.800M	$4.300M	$4.000M	$3.900M	$4.100M	$3.800M	$6.000M	$2.500M	$900.0K	$700.0K	$700.0K
YoY Change	-3.18%	21.73%	0.6%	30.86%	58.02%	-6.63%	140.97%	311.43%	-10.26%	34.48%	-23.68%	-11.63%	7.5%	2.56%	-4.88%	7.89%	-36.67%	140.0%	177.78%	28.57%	0.0%
Total Liabilities	$1.678B	$1.649B	$1.569B	$1.489B	$1.381B	$1.150B	$867.2M	$631.3M	$518.7M	$512.5M	$500.3M	$475.1M	$483.7M	$544.5M	$520.0M	$411.6M	$308.0M	$253.9M	$216.2M	$142.4M	$119.4M	$119.4M
YoY Change	1.74%	5.13%	5.39%	7.81%	20.09%	32.58%	37.37%	21.71%	1.21%	2.44%	5.3%	-1.78%	-11.17%	4.71%	26.34%	33.64%	21.31%	17.44%	51.83%	19.26%	0.0%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Basic Shares Outstanding	10.47M shares	10.51K shares	10.72K shares	11.16K shares	11.11M shares	5.944M shares	5.362M shares	5.241M shares	5.209M shares	5.163M shares	5.151M shares	5.134M shares	5.117M shares
Diluted Shares Outstanding	10.47M shares	10.51K shares	10.73K shares	11.16K shares	11.12M shares	7.335M shares	5.378M shares	5.241M shares	5.209M shares	5.163M shares	5.151M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $169.37 Million

About Citizens Community Bancorp Inc.

Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal Bank. The company is headquartered in Eau Claire, Wisconsin and currently employs 214 full-time employees. The company went IPO on 2004-03-30. (the Bank). The Bank is a federally chartered national bank serving customers in Wisconsin and Minnesota. Its primary markets include the Chippewa Valley Region in Wisconsin, the Twin Cities and Mankato markets in Minnesota, and various rural communities around these areas. The Bank offers traditional community banking services to businesses, agricultural operators and consumers, including one-to-four family residential mortgages. The Bank offers a variety of loan products including commercial real estate loans, commercial and industrial (C&I) loans, agricultural real estate loans, agricultural operating loans, residential mortgages, home equity lines-of-credit and consumer loans. The company maintains a portfolio of investments, consisting primarily of mortgage-backed securities, asset-backed securities, United States Government sponsored agency securities and corporate debt securities.

Industry: Savings Institution, Federally Chartered Peers: Avidbank Holdings, Inc. EAGLE FINANCIAL SERVICES INC FIRST COMMUNITY CORP /SC/ First Financial Northwest, Inc. FIRST KEYSTONE CORP LANDMARK BANCORP INC OLD POINT FINANCIAL CORP OHIO VALLEY BANC CORP PNC FINANCIAL SERVICES GROUP, INC.