Citizens Community Bancorp (CZWI) AI Stock Analysis

• Market Cap: $132.66M
• Dividend Yield: 2.71%
• Average Volume (3M): 22.55K
• Price to Earnings (P/E): 9.9
• Beta (1Y): 0.69
• Revenue Growth: 5.41%
• EPS Growth: 7.23%
• Country: US
• Employees: 207
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 1.34
• Shares Outstanding: 9,989,536
• 10 Day Avg. Volume: 18,075
• 30 Day Avg. Volume: 22,552
• PEG Ratio: 1.37
• Price to Book (P/B): N/A
• Price to Sales (P/S): 2.48
• Price to Cash Flow (P/CF): 14.00
• P/FCF Ratio: 3.40
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Citizens Community Bancorp's overall score is driven by moderate financial performance with challenges in profitability and revenue growth, balanced by strong cash management and a solid balance sheet. Technical indicators reflect a neutral market position, while the valuation suggests potential undervaluation. The lack of significant guidance or corporate events keeps the focus on financial stability and valuation attractiveness.

Citizens Community Bancorp Business Overview & Revenue Model

Company Description

Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal N.A. that provides various traditional community banking services to businesses, agricultural operators, and consumers. The company accepts various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit. It also offers various loan products comprising commercial real estate, commercial and industrial, agricultural real estate, agricultural operating, and consumer loans; and one-to-four family residential mortgages and home equity lines-of-credit. In addition, the company provides a portfolio of investments, such as mortgage-backed, corporate asset-backed, U.S. Government sponsored agency, corporate debt, and trust preferred securities. It operates through a network of 25 full-service branch in Wisconsin and Minnesota. Citizens Community Bancorp, Inc. was founded in 1938 and is based in Eau Claire, Wisconsin.

How the Company Makes Money

Citizens Community Bancorp generates revenue through the interest income from its lending activities, which include residential mortgages, consumer loans, and commercial loans. The bank also earns money from non-interest income sources such as service charges on deposit accounts, fees from loan origination, and other financial services. Additionally, the company may derive revenue from investment securities and partnerships that enhance its service offerings and expand its market reach. The bank's profitability is significantly influenced by the interest rate environment, loan demand, and economic conditions in its operating regions.

Citizens Community Bancorp Financial Statement Overview

Summary

Citizens Community Bancorp shows moderate financial health. Income statement reflects declining profitability with a significant decrease in net profit margin from 2021 to 2023. The balance sheet indicates financial stability with a strong equity position and improved debt management. Cash flows are robust but show inconsistent growth, pointing to effective cash management but potential fluctuations.

Income Statement

Citizens Community Bancorp's income statement shows fluctuating revenues with a declining trend from 2021 to 2023, indicating potential revenue challenges. The net profit margin decreased significantly from 2021 to 2023, from 30.5% to 22.3%, which suggests decreasing profitability. Gross profit margin is high, but overall profitability metrics indicate potential risks in maintaining stable earnings.

Balance Sheet

The balance sheet reflects a strong equity position with an increasing equity ratio, rising from 9.8% in 2019 to 10.2% in 2023, indicating financial stability. The debt-to-equity ratio has improved, showing prudent financial management. However, total assets and equity have grown marginally, suggesting limited expansion in the asset base.

Cash Flow

The cash flow analysis reveals a healthy operating cash flow with consistent free cash flow generation, indicating strong cash management. The operating cash flow to net income ratio is robust, showing good cash generation relative to net income. However, free cash flow growth has been inconsistent, highlighting potential fluctuations in cash flow management over time.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
56.29M	58.54M	67.19M	69.69M	68.40M
	Gross Profit
56.29M	93.82M	67.19M	69.69M	68.40M
	EBIT
-31.13M	24.33M	39.19M	28.96M	17.28M
	EBITDA
0.00	22.06M	27.61M	33.00M	26.52M
	Net Income Common Stockholders
2.70M	13.06M	17.76M	21.27M	12.72M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
193.02M	37.14M	35.61M	252.27M	267.43M
	Total Assets
1.75B	1.85B	1.82B	1.74B	1.65B
	Total Debt
66.61M	147.00M	214.94M	169.95M	181.83M
	Net Debt
16.43M	109.86M	179.33M	120.75M	58.63M
	Total Liabilities
1.57B	1.68B	1.65B	169.95M	181.83M
	Stockholders Equity
179.08M	173.33M	167.09M	170.87M	160.56M
Cash Flow		Free Cash Flow
20.18M	11.76M	25.69M	17.82M	21.21M
	Operating Cash Flow
20.18M	13.12M	29.29M	21.60M	23.79M
	Investing Cash Flow
113.74M	-34.20M	-119.19M	-163.20M	-61.81M
	Financing Cash Flow
-120.88M	22.86M	77.57M	69.85M	101.63M

Citizens Community Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 13.28
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CZWI, the sentiment is Negative. The current price of 13.28 is below the 20-day moving average (MA) of 14.27, below the 50-day MA of 14.86, and below the 200-day MA of 14.07, indicating a bearish trend. The MACD of -0.15 indicates Negative momentum. The RSI at 46.31 is Neutral, neither overbought nor oversold. The STOCH value of 28.84 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CZWI.

Citizens Community Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PLBC	74 Outperform	$249.83M	8.80	17.60%	2.63%	8.97%	-4.41%
FMBH	65 Neutral	$744.65M	9.40	9.62%	3.06%	17.70%	3.88%
Sector *	64 Neutral	$12.70B	9.08	9.19%	4.89%	16.29%	-8.64%
UBOH	59 Neutral	$78.37M	8.17	9.70%	3.52%	13.06%	9.31%
BYFC	56 Neutral	$54.45M	134.40	0.67%	―	20.43%	-92.31%
CZWI	55 Neutral	$132.66M	9.91	7.80%	2.71%	5.41%	7.23%
MSBI	54 Neutral	$340.71M	12.51	-1.83%	7.79%	3.95%	-135.44%

Citizens Community Bancorp Corporate Events

Citizens Community Bancorp Discusses Financial Strategies at Forum

On January 29-30, 2025, Citizens Community Bancorp’s top executives participated in the Janney CEO Forum in Scottsdale, Arizona, to discuss the company’s financial conditions and operational results with institutional investors. The presentation covered various factors impacting the company, including financial market conditions, inflation, and geopolitical tensions, highlighting the company’s strategies for maintaining strong credit culture, sustainable business practices, and capital management to support growth and shareholder value.