Citizens Payout Ratio vs Income Quality Analysis

CZWI Stock

USD 16.39 0.02 0.12%

Citizens Community financial indicator trend analysis is way more than just evaluating Citizens Community prevailing accounting drivers to predict future trends. We encourage investors to analyze account correlations over time for multiple indicators to determine whether Citizens Community is a good investment. Please check the relationship between Citizens Community Payout Ratio and its Income Quality accounts. 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.

Payout Ratio vs Income Quality

Payout Ratio vs Income Quality Correlation Analysis

The overlapping area represents the amount of trend that can be explained by analyzing historical patterns of Citizens Community Payout Ratio account and Income Quality. At this time, the significance of the direction appears to have significant contrarian relationship.

The correlation between Citizens Community's Payout Ratio and Income Quality is -0.35. Overlapping area represents the amount of variation of Payout Ratio that can explain the historical movement of Income Quality in the same time period over historical financial statements of Citizens Community Bancorp, assuming nothing else is changed. The correlation between historical values of Citizens Community's Payout Ratio and Income Quality is a relative statistical measure of the degree to which these accounts tend to move together. The correlation coefficient measures the extent to which Payout Ratio of Citizens Community Bancorp are associated (or correlated) with its Income Quality. Values of the correlation coefficient range from -1 to +1, where. The correlation of zero (0) is possible when Income Quality has no effect on the direction of Payout Ratio i.e., Citizens Community's Payout Ratio and Income Quality go up and down completely randomly.

Correlation Coefficient

-0.35

Relationship Direction	Negative
Relationship Strength	Insignificant

View All Relationships

Payout Ratio

Payout Ratio is the proportion of Citizens Community Bancorp earnings paid out as dividends to shareholders. Payout Ratio is typically expressed as a percentage but can be shown as dividends paid out as a proportion of cash flow. The payout ratio is used to determine the sustainability of Citizens Community dividend payments. A lower payout ratio is generally preferable to a higher payout ratio, with a ratio greater than 100% indicating Citizens Community is paying out more in dividends than it makes in net income.

Income Quality

An assessment of the sustainability of a company's earnings over time, considering factors like revenue source diversification and cost structure.

Most indicators from Citizens Community's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators 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 fundamental ratios indicators, 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.

As of now, Citizens Community's Sales General And Administrative To Revenue is decreasing as compared to previous years. The Citizens Community's current Enterprise Value is estimated to increase to about 170.3 M, while Selling General Administrative is projected to decrease to under 13.5 M.

	2021	2022	2023	2024 (projected)
Total Revenue	69.7M	67.2M	58.5M	61.5M
Interest Expense	10.4M	13.0M	35.9M	37.7M

Total Revenue Interest Expense

Citizens Community fundamental ratios Correlations

	Total Assets	Total Stockholder Equity	Non Current Assets Total	Non Currrent Assets Other	Other Assets	Common Stock Shares Outstanding	Non Current Liabilities Total	Other Stockholder Equity	Total Liab	Net Debt	Cash	Cash And Short Term Investments	Total Current Assets	Short Long Term Debt Total	Property Plant And Equipment Net	Retained Earnings	Net Receivables	Property Plant And Equipment Gross	Total Current Liabilities	Other Liab	Accounts Payable	Long Term Debt	Common Stock Total Equity	Short Term Debt	Intangible Assets	Common Stock
Total Assets		0.99	0.65	0.17	0.27	0.84	0.69	0.85	0.54	0.8	0.56	0.41	-0.52	0.88	0.88	0.88	0.87	0.95	0.93	0.83	0.99	0.79	0.88	0.1	0.74	0.89
Total Stockholder Equity	0.99		0.63	0.14	0.28	0.88	0.67	0.88	0.51	0.78	0.58	0.45	-0.54	0.88	0.88	0.85	0.87	0.93	0.92	0.85	0.98	0.77	0.91	0.07	0.76	0.91
Non Current Assets Total	0.65	0.63		0.81	-0.47	0.28	0.77	0.28	0.72	0.3	0.06	-0.2	-0.57	0.27	0.34	0.82	0.36	0.71	0.74	0.32	0.73	0.6	0.4	0.1	0.2	0.41
Non Currrent Assets Other	0.17	0.14	0.81		-0.78	-0.22	0.52	-0.2	0.58	-0.11	-0.33	-0.5	-0.21	-0.22	-0.2	0.41	-0.12	0.23	0.36	-0.14	0.27	0.22	-0.1	0.11	-0.3	-0.08
Other Assets	0.27	0.28	-0.47	-0.78		0.5	-0.21	0.53	-0.19	0.49	0.52	0.56	0.15	0.61	0.5	-0.01	0.47	0.18	0.15	0.48	0.18	0.21	0.42	0.16	0.51	0.41
Common Stock Shares Outstanding	0.84	0.88	0.28	-0.22	0.5		0.43	0.99	0.24	0.78	0.68	0.65	-0.45	0.91	0.94	0.59	0.94	0.73	0.7	0.87	0.8	0.54	0.99	0.01	0.86	0.99
Non Current Liabilities Total	0.69	0.67	0.77	0.52	-0.21	0.43		0.42	0.92	0.58	0.0	-0.23	-0.62	0.46	0.41	0.81	0.51	0.68	0.77	0.26	0.73	0.68	0.5	0.53	0.34	0.51
Other Stockholder Equity	0.85	0.88	0.28	-0.2	0.53	0.99	0.42		0.27	0.8	0.69	0.65	-0.36	0.93	0.94	0.57	0.95	0.72	0.72	0.87	0.8	0.53	0.98	0.06	0.85	0.98
Total Liab	0.54	0.51	0.72	0.58	-0.19	0.24	0.92	0.27		0.47	-0.11	-0.37	-0.37	0.33	0.22	0.67	0.37	0.53	0.68	0.1	0.59	0.59	0.32	0.74	0.19	0.33
Net Debt	0.8	0.78	0.3	-0.11	0.49	0.78	0.58	0.8	0.47		0.27	0.33	-0.36	0.9	0.81	0.69	0.81	0.76	0.8	0.66	0.76	0.76	0.79	0.31	0.67	0.79
Cash	0.56	0.58	0.06	-0.33	0.52	0.68	0.0	0.69	-0.11	0.27		0.75	-0.1	0.65	0.69	0.25	0.72	0.43	0.32	0.75	0.52	0.12	0.66	-0.23	0.69	0.66
Cash And Short Term Investments	0.41	0.45	-0.2	-0.5	0.56	0.65	-0.23	0.65	-0.37	0.33	0.75		0.09	0.59	0.6	0.03	0.56	0.24	0.21	0.64	0.34	-0.02	0.59	-0.37	0.73	0.59
Total Current Assets	-0.52	-0.54	-0.57	-0.21	0.15	-0.45	-0.62	-0.36	-0.37	-0.36	-0.1	0.09		-0.34	-0.46	-0.71	-0.37	-0.62	-0.51	-0.33	-0.55	-0.59	-0.48	0.09	-0.31	-0.48
Short Long Term Debt Total	0.88	0.88	0.27	-0.22	0.61	0.91	0.46	0.93	0.33	0.9	0.65	0.59	-0.34		0.94	0.66	0.95	0.8	0.78	0.85	0.83	0.66	0.91	0.14	0.83	0.91
Property Plant And Equipment Net	0.88	0.88	0.34	-0.2	0.5	0.94	0.41	0.94	0.22	0.81	0.69	0.6	-0.46	0.94		0.68	0.95	0.84	0.72	0.91	0.84	0.64	0.95	-0.07	0.82	0.95
Retained Earnings	0.88	0.85	0.82	0.41	-0.01	0.59	0.81	0.57	0.67	0.69	0.25	0.03	-0.71	0.66	0.68		0.65	0.95	0.89	0.64	0.91	0.92	0.65	0.14	0.44	0.66
Net Receivables	0.87	0.87	0.36	-0.12	0.47	0.94	0.51	0.95	0.37	0.81	0.72	0.56	-0.37	0.95	0.95	0.65		0.77	0.75	0.85	0.84	0.57	0.96	0.13	0.84	0.96
Property Plant And Equipment Gross	0.95	0.93	0.71	0.23	0.18	0.73	0.68	0.72	0.53	0.76	0.43	0.24	-0.62	0.8	0.84	0.95	0.77		0.9	0.78	0.96	0.89	0.78	0.03	0.59	0.79
Total Current Liabilities	0.93	0.92	0.74	0.36	0.15	0.7	0.77	0.72	0.68	0.8	0.32	0.21	-0.51	0.78	0.72	0.89	0.75	0.9		0.67	0.94	0.83	0.76	0.24	0.59	0.77
Other Liab	0.83	0.85	0.32	-0.14	0.48	0.87	0.26	0.87	0.1	0.66	0.75	0.64	-0.33	0.85	0.91	0.64	0.85	0.78	0.67		0.8	0.62	0.87	-0.19	0.66	0.87
Accounts Payable	0.99	0.98	0.73	0.27	0.18	0.8	0.73	0.8	0.59	0.76	0.52	0.34	-0.55	0.83	0.84	0.91	0.84	0.96	0.94	0.8		0.8	0.85	0.09	0.69	0.86
Long Term Debt	0.79	0.77	0.6	0.22	0.21	0.54	0.68	0.53	0.59	0.76	0.12	-0.02	-0.59	0.66	0.64	0.92	0.57	0.89	0.83	0.62	0.8		0.57	0.23	0.33	0.58
Common Stock Total Equity	0.88	0.91	0.4	-0.1	0.42	0.99	0.5	0.98	0.32	0.79	0.66	0.59	-0.48	0.91	0.95	0.65	0.96	0.78	0.76	0.87	0.85	0.57		0.03	0.85	1.0
Short Term Debt	0.1	0.07	0.1	0.11	0.16	0.01	0.53	0.06	0.74	0.31	-0.23	-0.37	0.09	0.14	-0.07	0.14	0.13	0.03	0.24	-0.19	0.09	0.23	0.03		0.04	0.03
Intangible Assets	0.74	0.76	0.2	-0.3	0.51	0.86	0.34	0.85	0.19	0.67	0.69	0.73	-0.31	0.83	0.82	0.44	0.84	0.59	0.59	0.66	0.69	0.33	0.85	0.04		0.85
Common Stock	0.89	0.91	0.41	-0.08	0.41	0.99	0.51	0.98	0.33	0.79	0.66	0.59	-0.48	0.91	0.95	0.66	0.96	0.79	0.77	0.87	0.86	0.58	1.0	0.03	0.85

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Citizens Community Account Relationship Matchups

Citizens Community fundamental ratios Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Total Assets	1.5B	1.6B	1.7B	1.8B	1.9B	1.9B
Total Stockholder Equity	150.6M	160.6M	170.9M	167.1M	173.3M	182.0M
Non Current Assets Total	262.7M	264.3M	351.6M	338.7M	1.8B	1.9B
Non Currrent Assets Other	(262.7M)	(264.3M)	(351.6M)	(338.7M)	1.7B	1.8B
Other Assets	1.0B	1.1B	1.1B	1.4B	7.2M	6.8M
Common Stock Shares Outstanding	11.1M	11.2M	10.7M	10.5M	10.5M	6.5M
Liabilities And Stockholders Equity	1.5B	1.6B	1.7B	1.8B	1.9B	1.9B
Non Current Liabilities Total	174.5M	181.8M	170.0M	1.6B	1.7B	1.8B
Other Stockholder Equity	128.4M	126.2M	119.9M	119.2M	119.4M	68.9M
Total Liab	174.5M	181.8M	170.0M	1.6B	1.7B	1.8B
Net Debt	113.9M	58.6M	120.8M	179.3M	109.9M	61.5M
Cash	60.6M	123.2M	49.2M	35.6M	37.1M	36.2M
Cash And Short Term Investments	240.7M	267.4M	252.3M	35.6M	37.1M	35.3M
Total Current Assets	245.4M	273.1M	256.2M	40.9M	37.1M	35.3M
Short Long Term Debt Total	174.5M	181.8M	170.0M	214.9M	147.0M	102.3M
Property Plant And Equipment Net	21.1M	21.2M	21.2M	20.5M	19.9M	10.0M
Retained Earnings	22.5M	32.8M	50.7M	65.4M	71.1M	74.7M
Net Receivables	4.7M	5.7M	3.9M	5.3M	5.4M	2.7M
Property Plant And Equipment Gross	21.1M	21.2M	29.9M	31.0M	31.0M	32.5M
Total Current Liabilities	875.8M	794.3M	973.4M	1.2B	1.3B	1.4B
Other Liab	7.6M	11.4M	11.3M	7.7M	8.8M	5.5M
Accounts Payable	1.2B	1.3B	1.4B	1.4B	1.6B	1.7B
Long Term Debt	43.6M	58.3M	170.0M	214.9M	147.0M	154.3M
Common Stock Total Equity	113K	111K	105K	104K	119.6K	72.7K
Accumulated Other Comprehensive Income	(471K)	1.5M	161K	(17.7M)	(17.3M)	(16.5M)
Short Term Debt	611K	8.6M	11.6M	117.5M	65.1M	55.3M
Intangible Assets	11.9M	8.7M	8.1M	6.7M	5.6M	5.2M
Common Stock	113K	111K	105K	104K	119.6K	74.7K
Property Plant Equipment	21.1M	21.2M	21.2M	20.5M	23.6M	24.7M
Short Term Investments	180.1M	144.2M	203.1M	166.0M	231.5M	243.1M
Other Current Assets	66.8M	129.0M	54.5M	42.2M	44.3M	42.1M
Inventory	(66.8M)	(129.0M)	(54.5M)	(42.2M)	(198.3M)	(188.4M)
Net Tangible Assets	111.5M	123.6M	135.5M	133.1M	153.1M	92.6M
Retained Earnings Total Equity	22.5M	32.8M	50.7M	65.4M	75.2M	79.0M
Other Current Liab	875.2M	785.7M	961.8M	1.1B	1.3B	765.6M
Capital Surpluse	128.9M	126.7M	119.9M	119.2M	137.1M	95.5M
Long Term Investments	210.5M	171.7M	290.8M	280.0M	253.0M	265.6M
Non Current Liabilities Other	141.4M	134.9M	122.8M	152.2M	175.0M	183.7M

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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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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.

You can also try the Options Analysis module to analyze and evaluate options and option chains as a potential hedge for your portfolios.

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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Citizens Payout Ratio vs Income Quality Analysis

Payout Ratio vs Income Quality

Payout Ratio vs Income Quality Correlation Analysis

Correlation Coefficient

Payout Ratio

Income Quality

Citizens Community fundamental ratios Correlations

Citizens Community Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Citizens Community fundamental ratios Accounts

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COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY

Common Stock	+ 1.0	Common Stock Total Equity
Total Stockholder Equity	+ 0.99	Total Assets
Accounts Payable	+ 0.99	Total Assets
Other Stockholder Equity	+ 0.99	Common Stock Shares Outstanding
Common Stock Total Equity	+ 0.99	Common Stock Shares Outstanding
Common Stock	+ 0.99	Common Stock Shares Outstanding

Other Assets	- 0.78	Non Currrent Assets Other
Retained Earnings	- 0.71	Total Current Assets
Property Plant And Equipment Gross	- 0.62	Total Current Assets
Total Current Assets	- 0.62	Non Current Liabilities Total
Long Term Debt	- 0.59	Total Current Assets
Total Current Assets	- 0.57	Non Current Assets Total