Citizens Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . Citizens Community Bancorp
CZWI Stock  USD 14.52  0.03  0.21%   
Citizens Community financial statements provide useful quarterly and yearly information to potential Citizens Community Bancorp investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Citizens Community financial statements helps investors assess Citizens Community's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Citizens Community's valuation are summarized below:
Gross Profit
59.6 M
Profit Margin
0.2308
Market Capitalization
144.6 M
Enterprise Value Revenue
3.7796
Revenue
59.6 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 2025 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 89.1 M.

Citizens Community Total Revenue

28.46 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 10.1 M, Total Revenue of 28.5 M or Gross Profit of 113.3 M, as well as many indicators such as Price To Sales Ratio of 2.8, Dividend Yield of 0.0126 or PTB Ratio of 1.03. Citizens financial statements analysis is a perfect complement when working with Citizens Community Valuation or Volatility modules.
  
Check out the analysis of Citizens Community Correlation against competitors.

Citizens Community Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets1.8 B1.7 B1.1 B
Slightly volatile
Total Stockholder Equity188 M179.1 M109.7 M
Slightly volatile
Non Current Assets Total47.1 M49.6 M253.9 M
Slightly volatile
Other Assets144.3 M151.9 M637.7 M
Very volatile
Common Stock Shares Outstanding6.7 M10.2 M7.6 M
Slightly volatile
Liabilities And Stockholders Equity1.8 B1.7 B1.1 B
Slightly volatile
Non Current Liabilities Total2 B1.9 B628.1 M
Slightly volatile
Other Stockholder Equity71.3 M114.6 M82.6 M
Slightly volatile
Total Liabilities1.6 B1.6 B768.8 M
Slightly volatile
Cash37 M50.2 M39.8 M
Slightly volatile
Cash And Short Term Investments202.7 M193 M122.2 M
Slightly volatile
Total Current Assets1.6 B1.5 B501.2 M
Slightly volatile
Short and Long Term Debt Total102.3 M169 M108.5 M
Slightly volatile
Property Plant And Equipment Net10.4 M17.1 M11.6 M
Slightly volatile
Retained Earnings84.9 M80.8 M29.4 M
Slightly volatile
Net Receivables1.4 B1.4 B176.2 M
Slightly volatile
Property Plant And Equipment Gross33.2 M31.6 M15.6 M
Slightly volatile
Other Liabilities5.5 M8.8 M5.8 M
Slightly volatile
Accounts Payable1.7 B1.6 B921.7 M
Slightly volatile
Long Term Debt69.9 M66.6 M62.7 M
Slightly volatile
Common Stock Total Equity72.7 K119.6 K77.4 K
Slightly volatile
Short Term Debt55.3 M74.8 M53 M
Pretty Stable
Intangible Assets930 K979 K4.1 M
Slightly volatile
Common Stock76.4 K100 K76.4 K
Slightly volatile
Property Plant Equipment24.7 M23.6 M12.7 M
Slightly volatile
Short Term Investments97.9 M142.9 M114.5 M
Slightly volatile
Other Current Assets37.9 M39.9 M246.8 M
Slightly volatile
Net Tangible Assets92.6 M153.1 M90.3 M
Slightly volatile
Other Current Liabilities765.6 M1.5 B717 M
Slightly volatile
Capital Surpluse95.5 M137.1 M88.4 M
Slightly volatile
Long Term Investments125.4 M236 M100.7 M
Slightly volatile
Non Current Liabilities Other183.7 M175 M85.3 M
Slightly volatile
Short and Long Term Debt50.9 M36 M52.5 M
Slightly volatile
Long Term Debt Total46.9 M83.3 M35.5 M
Slightly volatile
Earning Assets174.2 M266.7 M159.9 M
Slightly volatile
Net Invested Capital326.4 M245.7 M253.5 M
Slightly volatile
Capital Stock85.3 K100 K106.5 K
Slightly volatile

Citizens Community Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Interest Expense10.1 M10.3 M10.2 M
Slightly volatile
Total Revenue28.5 M56.3 M35.9 M
Slightly volatile
Gross Profit113.3 M107.9 M46.7 M
Slightly volatile
Other Operating Expenses42 M40 M22.6 M
Slightly volatile
Operating Income29.4 M28 M15.5 M
Slightly volatile
EBIT11.6 M21.1 M13.3 M
Slightly volatile
EBITDA12.9 M25.4 M15.1 M
Slightly volatile
Income Before Tax5.5 M3.4 M8.5 M
Slightly volatile
Net Income3.9 M2.7 M6.1 M
Slightly volatile
Income Tax Expense623.2 K656 K2.3 M
Slightly volatile
Depreciation And Amortization4.5 M4.3 M2 M
Slightly volatile
Selling General Administrative14.1 M24.3 M15.9 M
Slightly volatile
Net Income Applicable To Common Shares21.4 M20.4 M8.6 M
Slightly volatile
Selling And Marketing Expenses582.5 K844.1 K621.7 K
Slightly volatile
Tax Provision4.3 M3.7 M3 M
Slightly volatile
Net Interest Income45.4 M46.5 M33.6 M
Slightly volatile
Interest Income64.1 M89.6 M46.2 M
Slightly volatile
Non Operating Income Net Other50.4 K56.7 K61.8 K
Slightly volatile
Reconciled Depreciation3.3 M3.4 M2.2 M
Slightly volatile

Citizens Community Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow21.2 M20.2 M11.2 M
Slightly volatile
Begin Period Cash Flow33.8 M37.1 M38.3 M
Slightly volatile
Depreciation2.1 M2.9 M2.4 M
Slightly volatile
Total Cash From Operating Activities21.2 M20.2 M12.8 M
Slightly volatile
Net Income14.4 M13.8 M7.4 M
Slightly volatile
End Period Cash Flow35.4 M50.2 M36.1 M
Slightly volatile
Change To Netincome13.9 M13.3 M7.4 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.82.95148.3094
Very volatile
Dividend Yield0.01260.02010.0122
Slightly volatile
PTB Ratio1.030.92760.9093
Pretty Stable
Days Sales Outstanding8.3 K7.9 K1.7 K
Slightly volatile
Book Value Per Share20.6617.560735.5601
Slightly volatile
Free Cash Flow Yield0.0960.12150.119
Pretty Stable
Operating Cash Flow Per Share1.031.97841.393
Slightly volatile
Stock Based Compensation To Revenue0.01.0E-40.0014
Slightly volatile
Capex To Depreciation0.40.420.6955
Pretty Stable
PB Ratio1.030.92760.9093
Pretty Stable
EV To Sales3.083.243413.3259
Very volatile
Free Cash Flow Per Share2.081.97841.2799
Slightly volatile
Net Income Per Share0.340.2650.6696
Slightly volatile
Sales General And Administrative To Revenue0.660.41820.8062
Pretty Stable
Capex To Revenue0.020.0210.1654
Very volatile
Cash Per Share11.7718.927518.8483
Slightly volatile
POCF Ratio4.898.23388.6597
Pretty Stable
Payout Ratio1.31.23830.3177
Slightly volatile
Capex To Operating Cash Flow0.230.120.1614
Slightly volatile
PFCF Ratio8.658.233810.8267
Very volatile
Income Quality1.391.46724.8644
Slightly volatile
ROE0.02760.01510.0511
Slightly volatile
EV To Operating Cash Flow8.529.048314.8269
Pretty Stable
PE Ratio37.8761.482431.5391
Slightly volatile
Return On Tangible Assets0.00280.00160.005
Slightly volatile
EV To Free Cash Flow9.59.048318.4166
Very volatile
Earnings Yield0.02240.01630.0583
Slightly volatile
Intangibles To Total Assets0.0110.01860.0151
Slightly volatile
Current Ratio0.03650.03840.6499
Slightly volatile
Tangible Book Value Per Share19.314.376133.3532
Slightly volatile
Receivables Turnover0.04540.04788.6986
Slightly volatile
Graham Number8.8510.231713.0112
Slightly volatile
Shareholders Equity Per Share9.2617.560712.5902
Slightly volatile
Debt To Equity0.350.37190.936
Pretty Stable
Capex Per Share0.180.120.2009
Slightly volatile
Average Receivables388.5 K485.6 K520 K
Pretty Stable
Revenue Per Share3.135.51944.1356
Slightly volatile
Interest Debt Per Share11.327.536713.8254
Slightly volatile
Debt To Assets0.03620.03810.0905
Pretty Stable
Enterprise Value Over EBITDA11.5112.1213.8682
Pretty Stable
Short Term Coverage Ratios0.07540.05550.053
Very volatile
Price Earnings Ratio37.8761.482431.5391
Slightly volatile
Operating Cycle8.3 K7.9 K1.7 K
Slightly volatile
Price Book Value Ratio1.030.92760.9093
Pretty Stable
Dividend Payout Ratio1.31.23830.3177
Slightly volatile
Price To Operating Cash Flows Ratio4.898.23388.6597
Pretty Stable
Price To Free Cash Flows Ratio8.658.233810.8267
Very volatile
Pretax Profit Margin0.05670.05970.4959
Very volatile
Effective Tax Rate1.161.10150.4099
Slightly volatile
Company Equity Multiplier7.989.763710.148
Pretty Stable
Long Term Debt To Capitalization0.530.27110.4621
Pretty Stable
Total Debt To Capitalization0.260.27110.4658
Pretty Stable
Debt Equity Ratio0.350.37190.936
Pretty Stable
Quick Ratio0.07410.0780.6874
Slightly volatile
Dividend Paid And Capex Coverage Ratio7.236.02996.2114
Slightly volatile
Net Income Per E B T0.540.80460.6905
Very volatile
Cash Ratio0.03180.03340.0691
Slightly volatile
Cash Conversion Cycle8.3 K7.9 K1.7 K
Slightly volatile
Operating Cash Flow Sales Ratio0.370.35840.7907
Very volatile
Days Of Sales Outstanding8.3 K7.9 K1.7 K
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.630.810.8255
Slightly volatile
Cash Flow Coverage Ratios0.320.30290.147
Very volatile
Price To Book Ratio1.030.92760.9093
Pretty Stable
Fixed Asset Turnover2.743.29653.3158
Pretty Stable
Capital Expenditure Coverage Ratio7.148.649.3014
Slightly volatile
Price Cash Flow Ratio4.898.23388.6597
Pretty Stable
Enterprise Value Multiple11.5112.1213.8682
Pretty Stable
Debt Ratio0.03620.03810.0905
Pretty Stable
Cash Flow To Debt Ratio0.320.30290.147
Very volatile
Price Sales Ratio2.82.95148.3094
Very volatile
Return On Assets0.00280.00150.0049
Slightly volatile
Asset Turnover0.02560.03220.0302
Very volatile
Net Profit Margin0.04560.0480.3457
Very volatile
Gross Profit Margin1.281.441.5724
Slightly volatile
Price Fair Value1.030.92760.9093
Pretty Stable
Return On Equity0.02760.01510.0511
Slightly volatile

Citizens Community Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap115.8 M110.3 M89.7 M
Slightly volatile
Enterprise Value89.1 M162.2 M147 M
Slightly volatile

Citizens Fundamental Market Drivers

Forward Price Earnings10.7181
Cash And Short Term Investments193 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 Revenue56.3 M28.5 M
Cost Of Revenue-31.8 M-30.2 M
Sales General And Administrative To Revenue 0.42  0.66 
Capex To Revenue 0.02  0.02 
Revenue Per Share 5.52  3.13 
Ebit Per Revenue(0.55)(0.53)

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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:
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What is Citizens Community's Net Worth?
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Check out the analysis of Citizens Community Correlation against competitors.
You can also try the Theme Ratings module to determine theme ratings based on digital equity recommendations. Macroaxis theme ratings are based on combination of fundamental analysis and risk-adjusted market performance.
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
(0.24)
Dividend Share
0.32
Earnings Share
1.34
Revenue Per Share
5.808
Quarterly Revenue Growth
(0.05)
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
Details
Piotroski
F Score
Details
Beneish
M Score
Details
Financial
Analysis
Details
Buy or Sell
Advice
Details
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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