Citizens Historical Financial Ratios

CZWI Stock

USD 16.37 0.02 0.12%

Citizens Community is presently reporting on over 105 different financial statement accounts. To analyze all of these accounts together requires a lot of time and effort. However, using these accounts to derive some meaningful and actionable indicators such as Dividend Yield of 0.026, PTB Ratio of 1.4 or Days Sales Outstanding of 48.04 will help investors to properly organize and evaluate Citizens Community financial condition quickly.

Quick Ratio Current Ratio

Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Citizens Community Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in housing.

About Citizens Financial Ratios Analysis

Citizens CommunityFinancial ratios are relationships based on a company's financial information. They can serve as useful tools to evaluate Citizens Community investment potential. Financial ratio analysis can also be defined as the process of presenting financial ratios, which are mathematical indicators calculated by comparing key financial information appearing on Citizens financial statements. Financial ratios are useful tools that help investors analyze and compare relationships between different pieces of financial information across Citizens Community history.

Citizens Community Financial Ratios Chart

As of now, Citizens Community's Book Value Per Share is increasing as compared to previous years. The Citizens Community's current Free Cash Flow Yield is estimated to increase to 0.1, while Price To Sales Ratio is projected to decrease to 1.99.

Price To Sales Ratio Days Sales Outstanding Free Cash Flow Yield Invested Capital

Add Fundamental

Price To Sales Ratio

Price to Sales Ratio is figured by comparing Citizens Community stock price to its revenues. An advantage to using Price to Sales ratio is that it is based on Citizens Community sales, a figure that is much harder to manipulate than other Citizens Community Bancorp multiples. Because sales tend to be more stable P/S ratio can be a good tool for screening cyclical companies fluctuating earnings patterns. A valuation ratio that compares a company's stock price to its revenues, calculated by dividing the company's market cap by its total sales or revenue over a 12-month period.

Free Cash Flow Yield

A financial solvency ratio that compares the free cash flow per share a company is expected to earn against its market value per share, calculated as free cash flow per share divided by market price per share.

Invested Capital

Invested capital represents the total cash investment that shareholders and debt holders have contributed to Citizens Community Bancorp. There are two different methods for calculating Citizens Community invested capital: operating approach and financing approach. Understanding Citizens Community invested capital allows investors to calculate measures of performance such as return on invested capital or return on capital employed.

Most ratios from Citizens Community's fundamentals are interrelated and interconnected. However, analyzing fundamentals ratios one by one will only give a small insight into Citizens Community current financial condition. On the other hand, looking into the entire matrix of fundamentals ratios, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Citizens Community Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in housing.

	2021	2022	2023	2024 (projected)
Dividend Yield	0.017	0.0217	0.0248	0.026
Price To Sales Ratio	2.12	1.88	2.09	1.99

Dividend Yield Price To Sales Ratio

Citizens Community fundamentals Correlations

	Price To Sales Ratio	Dividend Yield	Ptb Ratio	Days Sales Outstanding	Book Value Per Share	Free Cash Flow Yield	Operating Cash Flow Per Share	Capex To Depreciation	Pb Ratio	Ev To Sales	Free Cash Flow Per Share	Roic	Net Income Per Share	Capex To Revenue	Cash Per Share	Pocfratio	Interest Coverage	Payout Ratio	Capex To Operating Cash Flow	Pfcf Ratio	Income Quality	Roe	Ev To Operating Cash Flow	Pe Ratio	Return On Tangible Assets	Ev To Free Cash Flow
Price To Sales Ratio		-0.3	0.41	0.9	-0.27	-0.46	-0.45	0.48	0.41	0.98	-0.47	0.3	-0.36	0.85	-0.5	0.49	-0.4	0.17	0.27	0.48	-0.14	-0.17	0.34	0.05	-0.14	0.29
Dividend Yield	-0.3		-0.25	-0.15	0.38	-0.1	0.35	0.08	-0.25	-0.24	0.25	-0.2	0.84	-0.11	0.67	-0.31	0.11	0.51	0.18	-0.15	-0.43	0.66	-0.18	-0.6	0.66	0.03
Ptb Ratio	0.41	-0.25		-0.02	-0.18	-0.44	-0.5	-0.21	1.0	0.21	-0.44	0.97	-0.18	-0.11	-0.72	0.83	-0.11	-0.28	-0.14	0.69	-0.17	0.28	0.49	0.05	0.24	0.32
Days Sales Outstanding	0.9	-0.15	-0.02		-0.22	-0.34	-0.29	0.63	-0.02	0.97	-0.35	-0.14	-0.28	0.99	-0.15	0.15	-0.4	0.41	0.37	0.22	-0.11	-0.3	0.16	-0.01	-0.25	0.21
Book Value Per Share	-0.27	0.38	-0.18	-0.22		0.0	0.4	0.28	-0.18	-0.25	0.24	-0.19	0.57	-0.15	0.34	-0.22	0.15	-0.04	0.44	-0.05	-0.19	0.53	-0.22	-0.31	0.57	0.0
Free Cash Flow Yield	-0.46	-0.1	-0.44	-0.34	0.0		0.75	-0.37	-0.44	-0.41	0.83	-0.27	0.04	-0.31	0.06	-0.71	0.3	-0.51	-0.5	-0.84	0.68	-0.15	-0.77	0.51	-0.14	-0.85
Operating Cash Flow Per Share	-0.45	0.35	-0.5	-0.29	0.4	0.75		-0.01	-0.5	-0.38	0.97	-0.32	0.58	-0.22	0.25	-0.7	0.59	-0.31	-0.16	-0.74	0.18	0.38	-0.67	-0.04	0.4	-0.66
Capex To Depreciation	0.48	0.08	-0.21	0.63	0.28	-0.37	-0.01		-0.21	0.58	-0.22	-0.31	0.09	0.7	0.04	0.0	-0.13	0.37	0.89	0.29	-0.21	0.01	0.16	-0.21	0.05	0.45
Pb Ratio	0.41	-0.25	1.0	-0.02	-0.18	-0.44	-0.5	-0.21		0.21	-0.44	0.97	-0.18	-0.11	-0.72	0.83	-0.11	-0.28	-0.14	0.69	-0.17	0.28	0.49	0.05	0.24	0.32
Ev To Sales	0.98	-0.24	0.21	0.97	-0.25	-0.41	-0.38	0.58	0.21		-0.42	0.09	-0.32	0.94	-0.35	0.34	-0.4	0.29	0.33	0.37	-0.13	-0.23	0.27	0.02	-0.19	0.26
Free Cash Flow Per Share	-0.47	0.25	-0.44	-0.35	0.24	0.83	0.97	-0.22	-0.44	-0.42		-0.25	0.48	-0.3	0.18	-0.67	0.61	-0.41	-0.39	-0.8	0.25	0.31	-0.68	0.05	0.32	-0.77
Roic	0.3	-0.2	0.97	-0.14	-0.19	-0.27	-0.32	-0.31	0.97	0.09	-0.25		-0.08	-0.23	-0.73	0.73	0.01	-0.42	-0.26	0.55	-0.11	0.37	0.36	0.08	0.33	0.15
Net Income Per Share	-0.36	0.84	-0.18	-0.28	0.57	0.04	0.58	0.09	-0.18	-0.32	0.48	-0.08		-0.23	0.49	-0.32	0.52	0.12	0.08	-0.25	-0.42	0.88	-0.27	-0.59	0.89	-0.14
Capex To Revenue	0.85	-0.11	-0.11	0.99	-0.15	-0.31	-0.22	0.7	-0.11	0.94	-0.3	-0.23	-0.23		-0.09	0.07	-0.38	0.42	0.44	0.18	-0.11	-0.29	0.11	-0.03	-0.24	0.2
Cash Per Share	-0.5	0.67	-0.72	-0.15	0.34	0.06	0.25	0.04	-0.72	-0.35	0.18	-0.73	0.49	-0.09		-0.54	0.04	0.63	0.14	-0.35	-0.14	0.09	-0.19	-0.34	0.1	0.02
Pocfratio	0.49	-0.31	0.83	0.15	-0.22	-0.71	-0.7	0.0	0.83	0.34	-0.67	0.73	-0.32	0.07	-0.54		-0.2	0.03	0.1	0.91	-0.28	0.07	0.88	-0.01	0.03	0.68
Interest Coverage	-0.4	0.11	-0.11	-0.4	0.15	0.3	0.59	-0.13	-0.11	-0.4	0.61	0.01	0.52	-0.38	0.04	-0.2		-0.34	-0.3	-0.34	-0.16	0.5	-0.13	-0.24	0.48	-0.29
Payout Ratio	0.17	0.51	-0.28	0.41	-0.04	-0.51	-0.31	0.37	-0.28	0.29	-0.41	-0.42	0.12	0.42	0.63	0.03	-0.34		0.43	0.27	-0.35	-0.1	0.35	-0.36	-0.1	0.57
Capex To Operating Cash Flow	0.27	0.18	-0.14	0.37	0.44	-0.5	-0.16	0.89	-0.14	0.33	-0.39	-0.26	0.08	0.44	0.14	0.1	-0.3	0.43		0.46	-0.26	0.04	0.25	-0.25	0.07	0.64
Pfcf Ratio	0.48	-0.15	0.69	0.22	-0.05	-0.84	-0.74	0.29	0.69	0.37	-0.8	0.55	-0.25	0.18	-0.35	0.91	-0.34	0.27	0.46		-0.34	0.06	0.87	-0.11	0.03	0.89
Income Quality	-0.14	-0.43	-0.17	-0.11	-0.19	0.68	0.18	-0.21	-0.17	-0.13	0.25	-0.11	-0.42	-0.11	-0.14	-0.28	-0.16	-0.35	-0.26	-0.34		-0.5	-0.35	0.96	-0.51	-0.39
Roe	-0.17	0.66	0.28	-0.3	0.53	-0.15	0.38	0.01	0.28	-0.23	0.31	0.37	0.88	-0.29	0.09	0.07	0.5	-0.1	0.04	0.06	-0.5		-0.05	-0.57	1.0	-0.02
Ev To Operating Cash Flow	0.34	-0.18	0.49	0.16	-0.22	-0.77	-0.67	0.16	0.49	0.27	-0.68	0.36	-0.27	0.11	-0.19	0.88	-0.13	0.35	0.25	0.87	-0.35	-0.05		-0.13	-0.09	0.86
Pe Ratio	0.05	-0.6	0.05	-0.01	-0.31	0.51	-0.04	-0.21	0.05	0.02	0.05	0.08	-0.59	-0.03	-0.34	-0.01	-0.24	-0.36	-0.25	-0.11	0.96	-0.57	-0.13		-0.58	-0.23
Return On Tangible Assets	-0.14	0.66	0.24	-0.25	0.57	-0.14	0.4	0.05	0.24	-0.19	0.32	0.33	0.89	-0.24	0.1	0.03	0.48	-0.1	0.07	0.03	-0.51	1.0	-0.09	-0.58		-0.05
Ev To Free Cash Flow	0.29	0.03	0.32	0.21	0.0	-0.85	-0.66	0.45	0.32	0.26	-0.77	0.15	-0.14	0.2	0.02	0.68	-0.29	0.57	0.64	0.89	-0.39	-0.02	0.86	-0.23	-0.05

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Citizens Community Account Relationship Matchups

Citizens Community fundamentals Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Price To Sales Ratio	2.41	1.78	2.12	1.88	2.09	1.99
Dividend Yield	0.0162	0.0195	0.017	0.0217	0.0248	0.026
Days Sales Outstanding	30.71	30.16	20.51	28.71	25.84	48.04
Book Value Per Share	122.07	131.46	146.47	15.91	16.56	20.93
Operating Cash Flow Per Share	1.15	2.13	2.02	2.79	1.25	1.01
Stock Based Compensation To Revenue	3.2E-4	2.05E-4	1.15E-4	4.5E-5	5.1E-5	4.9E-5
Capex To Depreciation	1.62	0.39	0.93	0.89	0.37	0.35
Ev To Sales	4.43	2.63	3.85	4.55	3.97	3.77
Free Cash Flow Per Share	0.55	1.9	1.66	2.45	1.12	0.83
Roic	0.0291	0.0372	0.0624	0.11	0.0656	0.12
Net Income Per Share	0.85	1.14	1.98	1.69	1.25	1.31
Capex To Revenue	0.12	0.0376	0.0542	0.0536	0.0234	0.0222
Cash Per Share	21.66	23.96	23.54	19.19	25.66	26.94
Pocfratio	10.58	5.11	6.83	4.31	9.34	5.51
Pfcf Ratio	22.39	5.73	8.28	4.92	10.43	10.95
Income Quality	1.36	1.87	1.02	1.65	1.0	0.95
Roe	0.0629	0.0793	0.12	0.11	0.0753	0.0791
Ev To Operating Cash Flow	19.46	7.58	12.42	10.44	17.71	9.29
Pe Ratio	14.35	9.55	6.94	7.12	9.39	8.92
Return On Tangible Assets	0.00636	0.007909	0.0125	0.009988	0.007198	0.007558
Ev To Free Cash Flow	41.18	8.49	15.06	11.9	19.77	20.76
Intangibles To Total Assets	0.0283	0.0244	0.0227	0.021	0.02	0.0109
Net Debt To E B I T D A	6.93	2.21	3.66	6.5	4.98	4.73
Current Ratio	0.28	0.34	0.26	0.0334	0.0384	0.0365
Tangible Book Value Per Share	118.17	127.85	142.77	12.27	13.02	19.62
Receivables Turnover	11.89	12.1	17.8	12.71	11.44	9.5
Graham Number	16.11	19.21	26.68	24.6	21.56	22.63
Shareholders Equity Per Share	13.55	14.39	15.94	15.91	16.56	9.06
Debt To Equity	1.16	1.13	0.99	0.59	0.48	0.45
Graham Net Net	3.27	2.27	5.41	(139.44)	(134.63)	(141.36)

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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:

How To Invest In Citizens

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Is Citizens Stock a good investment?

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What is Citizens Community's Net Worth?

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Largest Regional Banks Companies

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Largest Banks - Regional Companies

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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.

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Price To Sales Ratio	Dividend Yield
Ptb Ratio	Days Sales Outstanding
Book Value Per Share	Free Cash Flow Yield
Invested Capital	Operating Cash Flow Per Share
Average Payables	Stock Based Compensation To Revenue
Capex To Depreciation	Pb Ratio
Ev To Sales	Free Cash Flow Per Share
Roic	Inventory Turnover
Net Income Per Share	Days Of Inventory On Hand
Payables Turnover	Sales General And Administrative To Revenue
Average Inventory	Research And Ddevelopement To Revenue
Capex To Revenue	Cash Per Share
Pocfratio	Interest Coverage
Payout Ratio	Capex To Operating Cash Flow
Pfcf Ratio	Days Payables Outstanding
Net Current Asset Value	Income Quality
Roe	Tangible Asset Value
Ev To Operating Cash Flow	Pe Ratio
Return On Tangible Assets	Ev To Free Cash Flow
Earnings Yield	Intangibles To Total Assets
Net Debt To E B I T D A	Current Ratio
Tangible Book Value Per Share	Receivables Turnover
Graham Number	Shareholders Equity Per Share
Debt To Equity	Capex Per Share
Graham Net Net	Average Receivables
Revenue Per Share	Interest Debt Per Share
Debt To Assets	Enterprise Value Over E B I T D A
Short Term Coverage Ratios	Price Earnings Ratio
Operating Cycle	Price Book Value Ratio
Price Earnings To Growth Ratio	Days Of Payables Outstanding
Dividend Payout Ratio	Price To Operating Cash Flows Ratio
Price To Free Cash Flows Ratio	Pretax Profit Margin
Ebt Per Ebit	Operating Profit Margin
Effective Tax Rate	Company Equity Multiplier
Long Term Debt To Capitalization	Total Debt To Capitalization
Return On Capital Employed	Debt Equity Ratio
Ebit Per Revenue	Quick Ratio
Dividend Paid And Capex Coverage Ratio	Net Income Per E B T
Cash Ratio	Cash Conversion Cycle
Operating Cash Flow Sales Ratio	Days Of Inventory Outstanding
Days Of Sales Outstanding	Free Cash Flow Operating Cash Flow Ratio
Cash Flow Coverage Ratios	Price To Book Ratio
Fixed Asset Turnover	Capital Expenditure Coverage Ratio
Price Cash Flow Ratio	Enterprise Value Multiple
Debt Ratio	Cash Flow To Debt Ratio
Price Sales Ratio	Return On Assets
Asset Turnover	Net Profit Margin
Gross Profit Margin	Price Fair Value
Return On Equity

Citizens Historical Financial Ratios

About Citizens Financial Ratios Analysis

Citizens Community Financial Ratios Chart

Price To Sales Ratio

Free Cash Flow Yield

Invested Capital

Citizens Community fundamentals Correlations

Citizens Community Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Citizens Community fundamentals Accounts

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Pb Ratio	+ 1.0	Ptb Ratio
Return On Tangible Assets	+ 1.0	Roe
Capex To Revenue	+ 0.99	Days Sales Outstanding
Ev To Sales	+ 0.98	Price To Sales Ratio
Roic	+ 0.97	Ptb Ratio
Ev To Sales	+ 0.97	Days Sales Outstanding

Ev To Free Cash Flow	- 0.85	Free Cash Flow Yield
Pfcf Ratio	- 0.84	Free Cash Flow Yield
Pfcf Ratio	- 0.8	Free Cash Flow Per Share
Ev To Free Cash Flow	- 0.77	Free Cash Flow Per Share
Ev To Operating Cash Flow	- 0.77	Free Cash Flow Yield
Pfcf Ratio	- 0.74	Operating Cash Flow Per Share