CITIZENS COMMUNITY BANCORP I (CZWI)
US1749031043 - Common Stock
Taking everything into account, CZWI scores 3 out of 10 in our fundamental rating. CZWI was compared to 412 industry peers in the Banks industry. CZWI has a bad profitability rating. Also its financial health evaluation is rather negative. CZWI has a valuation in line with the averages, but on the other hand it scores bad on growth.
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
With a Return On Assets value of 0.71%, CZWI is not doing good in the industry: 64.08% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of 7.54%, CZWI is doing worse than 63.35% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.71% | ||
| ROE | 7.54% | ||
| ROIC | N/A |
ROA(3y)0.97%
ROA(5y)0.86%
ROE(3y)10.2%
ROE(5y)8.96%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
CZWI has a Profit Margin of 22.29%. This is comparable to the rest of the industry: CZWI outperforms 42.23% of its industry peers.
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) | 22.29% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.35%
PM growth 5Y14.42%
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.
CZWI has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, CZWI has less shares outstanding
The debt/assets ratio for CZWI has been reduced compared to a year ago.
2.2 Solvency
CZWI has a debt to FCF ratio of 5.74. This is a neutral value as CZWI would need 5.74 years to pay back of all of its debts.
CZWI has a Debt to FCF ratio of 5.74. This is in the lower half of the industry: CZWI underperforms 69.90% of its industry peers.
CZWI has a Debt/Equity ratio of 0.39. This is a healthy value indicating a solid balance between debt and equity.
CZWI has a worse Debt to Equity ratio (0.39) than 65.53% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 5.74 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.5%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CZWI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -18.93%.
Measured over the past years, CZWI shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.55% on average per year.
CZWI shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -12.26%.
CZWI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.24% yearly.
EPS 1Y (TTM)-18.93%
EPS 3Y7.27%
EPS 5Y16.55%
EPS growth Q2Q-22.22%
Revenue 1Y (TTM)-12.26%
Revenue growth 3Y-5.17%
Revenue growth 5Y9.24%
Revenue growth Q2Q-18%
3.2 Future
Based on estimates for the next years, CZWI will show a small growth in Earnings Per Share. The EPS will grow by 2.64% on average per year.
Based on estimates for the next years, CZWI will show a small growth in Revenue. The Revenue will grow by 5.40% on average per year.
EPS Next Y-11.03%
EPS Next 2Y2.64%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.52%
Revenue Next 2Y5.4%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 7.94, the valuation of CZWI can be described as very cheap.
Based on the Price/Earnings ratio, CZWI is valued a bit cheaper than 76.21% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.28. CZWI is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 8.93, the valuation of CZWI can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CZWI indicates a somewhat cheap valuation: CZWI is cheaper than 73.06% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.88, CZWI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.94 | ||
| Fwd PE | 8.93 |
4.2 Price Multiples
CZWI's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.68 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.48
EPS Next 2Y2.64%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CZWI has a Yearly Dividend Yield of 2.91%.
CZWI's Dividend Yield is slightly below the industry average, which is at 3.78.
Compared to an average S&P500 Dividend Yield of 2.41, CZWI pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.91% |
5.2 History
The dividend of CZWI is nicely growing with an annual growth rate of 15.73%!
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)15.73%
Div Incr Years5
Div Non Decr Years11
5.3 Sustainability
CZWI pays out 23.27% of its income as dividend. This is a sustainable payout ratio.
CZWI's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP23.27%
EPS Next 2Y2.64%
EPS Next 3YN/A
CITIZENS COMMUNITY BANCORP I
NASDAQ:CZWI (5/3/2024, 7:00:01 PM)
10.88
-0.12 (-1.09%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap113.80M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.91% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.94 | ||
| Fwd PE | 8.93 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.48
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.71% | ||
| ROE | 7.54% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 22.29% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-18.93%
EPS 3Y7.27%
EPS 5Y
EPS growth Q2Q
EPS Next Y-11.03%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-12.26%
Revenue growth 3Y-5.17%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y