Logo image of CZWI

CITIZENS COMMUNITY BANCORP I (CZWI) Stock Fundamental Analysis

NASDAQ:CZWI - Nasdaq - US1749031043 - Common Stock - Currency: USD

15.02  +0.03 (+0.2%)

After market: 15.02 0 (0%)

Fundamental Rating

3

CZWI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. CZWI has a bad profitability rating. Also its financial health evaluation is rather negative. CZWI has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

Quickly go to:

3

1. Profitability

1.1 Basic Checks

In the past year CZWI was profitable.
In the past year CZWI had a positive cash flow from operations.
In the past 5 years CZWI has always been profitable.
In the past 5 years CZWI always reported a positive cash flow from operatings.
CZWI Yearly Net Income VS EBIT VS OCF VS FCFCZWI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M

1.2 Ratios

With a Return On Assets value of 0.72%, CZWI perfoms like the industry average, outperforming 40.05% of the companies in the same industry.
CZWI's Return On Equity of 7.14% is on the low side compared to the rest of the industry. CZWI is outperformed by 60.46% of its industry peers.
Industry RankSector Rank
ROA 0.72%
ROE 7.14%
ROIC N/A
ROA(3y)0.82%
ROA(5y)0.89%
ROE(3y)8.61%
ROE(5y)9.24%
ROIC(3y)N/A
ROIC(5y)N/A
CZWI Yearly ROA, ROE, ROICCZWI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

CZWI has a Profit Margin (23.13%) which is in line with its industry peers.
CZWI's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for CZWI so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 23.13%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.4%
PM growth 5Y8.49%
GM growth 3YN/A
GM growth 5YN/A
CZWI Yearly Profit, Operating, Gross MarginsCZWI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

More info and screens

2

2. Health

2.1 Basic Checks

CZWI does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CZWI has less shares outstanding
Compared to 5 years ago, CZWI has less shares outstanding
The debt/assets ratio for CZWI has been reduced compared to a year ago.
CZWI Yearly Shares OutstandingCZWI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
CZWI Yearly Total Debt VS Total AssetsCZWI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

The Debt to FCF ratio of CZWI is 5.17, which is a neutral value as it means it would take CZWI, 5.17 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 5.17, CZWI is not doing good in the industry: 69.90% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.34 indicates that CZWI is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.34, CZWI is doing worse than 72.70% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 5.17
Altman-Z N/A
ROIC/WACCN/A
WACC16.56%
CZWI Yearly LT Debt VS Equity VS FCFCZWI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CZWI Yearly Current Assets VS Current LiabilitesCZWI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 500K 1M 1.5M 2M 2.5M

More info and screens

4

3. Growth

3.1 Past

CZWI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -14.48%.
CZWI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.74% yearly.
CZWI shows a small growth in Revenue. In the last year, the Revenue has grown by 1.18%.
Measured over the past years, CZWI shows a decrease in Revenue. The Revenue has been decreasing by -0.66% on average per year.
EPS 1Y (TTM)-14.48%
EPS 3Y-12.71%
EPS 5Y6.74%
EPS Q2Q%-5.71%
Revenue 1Y (TTM)1.18%
Revenue growth 3Y-6.62%
Revenue growth 5Y-0.66%
Sales Q2Q%14.99%

3.2 Future

Based on estimates for the next years, CZWI will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.17% on average per year.
The Revenue is expected to grow by 10.36% on average over the next years. This is quite good.
EPS Next Y1.62%
EPS Next 2Y13.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.63%
Revenue Next 2Y10.36%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
CZWI Yearly Revenue VS EstimatesCZWI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M
CZWI Yearly EPS VS EstimatesCZWI Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

More info and screens

4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.11, the valuation of CZWI can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of CZWI is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 26.54. CZWI is valued rather cheaply when compared to this.
CZWI is valuated reasonably with a Price/Forward Earnings ratio of 8.82.
66.58% of the companies in the same industry are more expensive than CZWI, based on the Price/Forward Earnings ratio.
CZWI is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.28, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.11
Fwd PE 8.82
CZWI Price Earnings VS Forward Price EarningsCZWI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

CZWI's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 12.58
EV/EBITDA N/A
CZWI Per share dataCZWI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
CZWI's earnings are expected to grow with 13.17% in the coming years. This may justify a more expensive valuation.
PEG (NY)7.49
PEG (5Y)1.8
EPS Next 2Y13.17%
EPS Next 3YN/A

More info and screens

6

5. Dividend

5.1 Amount

CZWI has a Yearly Dividend Yield of 2.40%. Purely for dividend investing, there may be better candidates out there.
CZWI's Dividend Yield is slightly below the industry average, which is at 3.51.
Compared to an average S&P500 Dividend Yield of 2.40, CZWI has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.4%

5.2 History

The dividend of CZWI is nicely growing with an annual growth rate of 10.68%!
CZWI has been paying a dividend for at least 10 years, so it has a reliable track record.
CZWI has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)10.68%
Div Incr Years6
Div Non Decr Years12
CZWI Yearly Dividends per shareCZWI Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3

5.3 Sustainability

CZWI pays out 27.98% of its income as dividend. This is a sustainable payout ratio.
CZWI's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP27.98%
EPS Next 2Y13.17%
EPS Next 3YN/A
CZWI Yearly Income VS Free CF VS DividendCZWI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
CZWI Dividend Payout.CZWI Dividend Payout, showing the Payout Ratio.CZWI Dividend Payout.PayoutRetained Earnings

More info and screens

CITIZENS COMMUNITY BANCORP I

NASDAQ:CZWI (8/8/2025, 4:30:01 PM)

After market: 15.02 0 (0%)

15.02

+0.03 (+0.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-28 2025-07-28/bmo
Earnings (Next)10-27 2025-10-27/amc
Inst Owners57.02%
Inst Owner Change0.84%
Ins Owners4.75%
Ins Owner Change0.86%
Market Cap150.05M
Analysts85
Price Target18.11 (20.57%)
Short Float %2.15%
Short Ratio3.43
Dividend
Industry RankSector Rank
Dividend Yield 2.4%
Yearly Dividend0.33
Dividend Growth(5Y)10.68%
DP27.98%
Div Incr Years6
Div Non Decr Years12
Ex-Date02-07 2025-02-07 (0.36)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)8.21%
Min EPS beat(2)-1.96%
Max EPS beat(2)18.39%
EPS beat(4)3
Avg EPS beat(4)14.93%
Min EPS beat(4)-1.96%
Max EPS beat(4)27.09%
EPS beat(8)7
Avg EPS beat(8)23.21%
EPS beat(12)10
Avg EPS beat(12)17.45%
EPS beat(16)14
Avg EPS beat(16)19.58%
Revenue beat(2)0
Avg Revenue beat(2)-1.1%
Min Revenue beat(2)-2.01%
Max Revenue beat(2)-0.19%
Revenue beat(4)0
Avg Revenue beat(4)-5.58%
Min Revenue beat(4)-17.16%
Max Revenue beat(4)-0.19%
Revenue beat(8)2
Avg Revenue beat(8)-1.42%
Revenue beat(12)6
Avg Revenue beat(12)4.44%
Revenue beat(16)10
Avg Revenue beat(16)11.44%
PT rev (1m)0%
PT rev (3m)1.45%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.45%
EPS NY rev (1m)0%
EPS NY rev (3m)1.92%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.41%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.51%
Valuation
Industry RankSector Rank
PE 12.11
Fwd PE 8.82
P/S 2.7
P/FCF 12.58
P/OCF 11.82
P/B 0.83
P/tB 1.04
EV/EBITDA N/A
EPS(TTM)1.24
EY8.26%
EPS(NY)1.7
Fwd EY11.34%
FCF(TTM)1.19
FCFY7.95%
OCF(TTM)1.27
OCFY8.46%
SpS5.57
BVpS18.02
TBVpS14.43
PEG (NY)7.49
PEG (5Y)1.8
Profitability
Industry RankSector Rank
ROA 0.72%
ROE 7.14%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.13%
GM N/A
FCFM 21.45%
ROA(3y)0.82%
ROA(5y)0.89%
ROE(3y)8.61%
ROE(5y)9.24%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.4%
PM growth 5Y8.49%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 5.17
Debt/EBITDA N/A
Cap/Depr 22.93%
Cap/Sales 1.39%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 92.72%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC16.56%
ROIC/WACCN/A
Cap/Depr(3y)52.33%
Cap/Depr(5y)58.75%
Cap/Sales(3y)3.1%
Cap/Sales(5y)3.69%
Profit Quality(3y)124.98%
Profit Quality(5y)125.08%
High Growth Momentum
Growth
EPS 1Y (TTM)-14.48%
EPS 3Y-12.71%
EPS 5Y6.74%
EPS Q2Q%-5.71%
EPS Next Y1.62%
EPS Next 2Y13.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1.18%
Revenue growth 3Y-6.62%
Revenue growth 5Y-0.66%
Sales Q2Q%14.99%
Revenue Next Year7.63%
Revenue Next 2Y10.36%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-37.7%
FCF growth 3Y2.67%
FCF growth 5Y26.01%
OCF growth 1Y-42.93%
OCF growth 3Y-2.25%
OCF growth 5Y9.46%