CITIZENS COMMUNITY BANCORP I (CZWI) Stock Fundamental Analysis
NASDAQ:CZWI - Nasdaq - US1749031043 - Common Stock - Currency: USD
Overall CZWI gets a fundamental rating of 4 out of 10. We evaluated CZWI against 395 industry peers in the Banks industry. CZWI may be in some trouble as it scores bad on both profitability and health. CZWI has a decent growth rate and is not valued too expensively. Finally CZWI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year CZWI was profitable.
CZWI had a positive operating cash flow in the past year.
In the past 5 years CZWI has always been profitable.
Each year in the past 5 years CZWI had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.72%, CZWI is doing worse than 60.25% of the companies in the same industry.
CZWI has a worse Return On Equity (7.14%) than 60.25% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
CZWI has a Profit Margin (23.13%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of CZWI has grown nicely.
CZWI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
CZWI does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CZWI has been reduced compared to 1 year ago.
The number of shares outstanding for CZWI has been reduced compared to 5 years ago.
Compared to 1 year ago, CZWI has an improved debt to assets ratio.
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.
CZWI's Debt to FCF ratio of 5.17 is on the low side compared to the rest of the industry. CZWI is outperformed by 72.15% of its industry peers.
CZWI has a Debt/Equity ratio of 0.34. This is a healthy value indicating a solid balance between debt and equity.
CZWI's Debt to Equity ratio of 0.34 is on the low side compared to the rest of the industry. CZWI is outperformed by 72.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| Debt/FCF | 5.17 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.26%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for CZWI have decreased strongly by -10.64% in the last year.
The Earnings Per Share has been growing slightly by 6.74% on average over the past years.
The Revenue has decreased by -5.26% in the past year.
CZWI shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.66% yearly.
EPS 1Y (TTM)-10.64%
EPS 3Y-12.71%
EPS 5Y6.74%
EPS Q2Q%-17.95%
Revenue 1Y (TTM)-5.26%
Revenue growth 3Y-6.62%
Revenue growth 5Y-0.66%
Sales Q2Q%-12.95%
3.2 Future
CZWI is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.17% yearly.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.81, the valuation of CZWI can be described as reasonable.
71.14% of the companies in the same industry are more expensive than CZWI, based on the Price/Earnings ratio.
CZWI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.69.
With a Price/Forward Earnings ratio of 8.00, the valuation of CZWI can be described as very cheap.
81.27% of the companies in the same industry are more expensive than CZWI, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of CZWI to the average of the S&P500 Index (21.29), we can say CZWI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.81 | ||
| Fwd PE | 8 |
4.2 Price Multiples
CZWI's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.41 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CZWI does not grow enough to justify the current Price/Earnings ratio.
CZWI's earnings are expected to grow with 13.17% in the coming years. This may justify a more expensive valuation.
PEG (NY)6.69
PEG (5Y)1.6
EPS Next 2Y13.17%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CZWI has a Yearly Dividend Yield of 2.72%. Purely for dividend investing, there may be better candidates out there.
CZWI's Dividend Yield is comparable with the industry average which is at 3.61.
CZWI's Dividend Yield is comparable with the S&P500 average which is at 2.43.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.72% |
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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)10.68%
Div Incr Years6
Div Non Decr Years12
5.3 Sustainability
27.98% of the earnings are spent on dividend by CZWI. This is a low number and sustainable payout ratio.
The dividend of CZWI is growing, but earnings are growing more, so the dividend growth is sustainable.
DP27.98%
EPS Next 2Y13.17%
EPS Next 3YN/A
NASDAQ:CZWI (6/26/2025, 2:20:42 PM)
13.62
+0.51 (+3.89%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners57.02%
Inst Owner Change-0.33%
Ins Owners4.75%
Ins Owner Change0.41%
Market Cap136.06M
Analysts85
Price Target17.85 (31.06%)
Short Float %0.3%
Short Ratio1.34
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.72% |
Yearly Dividend0.33
Dividend Growth(5Y)10.68%
DP27.98%
Div Incr Years6
Div Non Decr Years12
Ex-Date
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)2.94%
PT rev (3m)-5.41%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.81 | ||
| Fwd PE | 8 | ||
| P/S | 2.45 | ||
| P/FCF | 11.41 | ||
| P/OCF | 10.71 | ||
| P/B | 0.76 | ||
| P/tB | 0.94 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.26
EY9.25%
EPS(NY)1.7
Fwd EY12.51%
FCF(TTM)1.19
FCFY8.76%
OCF(TTM)1.27
OCFY9.33%
SpS5.57
BVpS18.02
TBVpS14.43
PEG (NY)6.69
PEG (5Y)1.6
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC18.26%
ROIC/WACCN/A
Cap/Depr(3y)54.73%
Cap/Depr(5y)60.19%
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)-10.64%
EPS 3Y-12.71%
EPS 5Y6.74%
EPS Q2Q%-17.95%
EPS Next Y1.62%
EPS Next 2Y13.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-5.26%
Revenue growth 3Y-6.62%
Revenue growth 5Y-0.66%
Sales Q2Q%-12.95%
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%