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Citizens Community Bancorp Inc

Citizens Community Bancorp Inc

CZWI · NASDAQ · Financial Services / Banks - Regional

23.82USD+0.38 (+1.62%)

Price History

Full chart

Market Stats

Previous Close23.44
Open23.57
Day Range23.48 – 23.84
52-Week Range14.39 – 24.31
Volume55.30K
Market Cap205.94M
P/E (TTM)16.29
Forward P/E10.72
EPS1.31
Dividend Yield1.49%
Beta0.51
50-Day Avg21.64
200-Day Avg20.22

About

Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal N.A. that provides various traditional community banking services to businesses, agricultural operators, and consumers in the United States, Wisconsin, Minnesota and internationally. The company offers various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit. It also provides various loan products, such as commercial real estate, commercial and industrial, agricultural real estate, agricultural operating, and consumer loans; and one-to-four family residential mortgages and home equity lines-of-credit. In addition, the company maintains a portfolio of investments comprising mortgage-backed, asset-backed, U.S. Government sponsored agency, and corporate debt securities. Citizens Community Bancorp, Inc. was founded in 1938 and is based in Eau Claire, Wisconsin.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Stephen M. Bianchi
  • Employees217
  • Headquarters2174 EastRidge Center, Eau Claire, WI, United States, 54701, USA
  • Websitehttps://ccf.us

Leadership

  • Mr. Stephen M. BianchiChairman of the Board, President & CEO · b. 1963
  • Mr. James S. BroucekCFO, Principal Accounting Officer, Executive VP, Treasurer & Secretary · b. 1964

Financials

Income Statement

Currency: USD2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue1.14M1.23M1.48M4.92M10.99M13.95M16.97M21.07M28.44M32.95M38.77M32.38M28.76M27.63M27.45M26.92M29.00M32.31M2.73M73.23M82.67M80.06M80.22M94.44M99.43M90.07M
Growth (%)-+8.37%+20.49%+231.69%+123.53%+26.93%+21.66%+24.19%+34.98%+15.83%+17.67%-16.47%-11.19%-3.93%-0.64%-1.94%+7.73%+11.43%-91.54%+2577.44%+12.90%-3.16%+0.20%+17.72%+5.29%-9.41%
Cost of Revenue4.35M5.07M4.23M3.58M3.29M4.41M7.47M9.36M14.86M16.06M18.48M14.78M11.03M8.46M6.18M5.09M5.08M5.93M020.43M22.02M10.37M14.50M35.42M39.97M40.82M
Gross Profit1.14M1.23M1.48M1.33M7.70M9.54M9.50M11.71M13.58M16.89M20.29M17.60M17.73M19.17M21.26M21.82M23.92M26.39M2.73M52.79M60.65M69.69M65.72M59.01M59.46M49.25M
Gross Margin100.00%100.00%100.00%27.10%70.10%68.41%55.96%55.59%47.76%51.26%52.33%54.37%61.64%69.39%77.47%81.08%82.48%81.65%100.00%72.09%73.36%87.05%81.92%62.49%59.80%54.68%
Operating Expense-3.79M-4.17M-3.07M344.68K6.32M7.81M8.74M10.52M11.10M22.16M28.33M17.27M17.36M17.49M18.43M17.40M20.06M22.56M-3.87M40.52M43.37M40.73M42.14M40.08M42.01M42.94M
Operating Income4.93M5.40M4.55M987.60K1.38M1.74M755.00K1.19M2.48M-5.27M-8.05M330.00K367.00K1.68M2.83M4.42M3.86M3.82M6.61M12.28M17.28M28.96M23.58M18.93M17.45M6.31M
Operating Margin434.10%439.27%307.02%20.09%12.56%12.44%4.45%5.65%8.73%-16.00%-20.75%1.02%1.28%6.09%10.31%16.42%13.31%11.83%241.65%16.77%20.90%36.17%29.39%20.05%17.55%7.01%
EBITDA4.93M5.40M4.55M1.26M1.66M2.19M1.50M2.01M3.41M-3.92M-6.59M1.76M1.62M2.82M4.00M5.86M5.04M4.94M8.64M16.45M23.91M33.00M27.61M22.67M20.87M8.90M
EBITDA Margin434.10%439.27%307.02%25.61%15.11%15.68%8.81%9.52%12.00%-11.89%-17.00%5.44%5.63%10.20%14.58%21.77%17.38%15.29%315.98%22.46%28.92%41.22%34.42%24.01%20.99%9.88%
Net Income779.00K559.00K664.00K597.50K836.54K1.05M446.00K743.00K1.47M-3.18M-7.09M193.00K206.00K1.05M1.78M2.81M2.57M2.50M4.28M9.46M12.72M21.27M17.76M13.06M13.75M14.42M
Net Income Margin68.63%45.45%44.80%12.16%7.61%7.54%2.63%3.53%5.18%-9.66%-18.29%0.60%0.72%3.79%6.50%10.42%8.87%7.73%156.60%12.92%15.39%26.56%22.14%13.83%13.83%16.01%
R&D-----------00000000-------
R&D as % of Total Revenue-----------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense4.15M4.84M3.86M3.18M2.89M3.99M7.22M8.89M14.14M14.69M11.58M8.91M6.59M5.31M4.28M4.44M5.01M5.61M8.59M16.91M14.27M10.37M13.03M35.90M43.14M39.07M
Interest Expense % of Total Revenue365.46%393.82%260.39%64.65%26.30%28.62%42.56%42.18%49.71%44.58%29.87%27.53%22.92%19.23%15.57%16.49%17.27%17.36%314.19%23.09%17.26%12.95%16.24%38.01%43.39%43.38%

Balance Sheet

Currency: USD2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets98.75M108.08M115.26M130.40M161.98M245.71M289.86M409.43M480.04M575.41M594.37M536.56M530.18M554.52M569.82M581.77M686.41M940.66M1.29B1.53B1.65B1.74B1.82B1.85B1.75B1.78B
Total Liabilities89.58M98.35M104.86M119.41M142.37M216.15M212.27M333.66M411.56M520.04M544.49M483.67M475.08M500.34M512.52M520.53M622.59M867.18M1.15B1.38B1.49B1.57B1.65B1.68B1.57B1.59B
Total Equity9.17M9.73M10.39M10.99M19.61M29.55M77.59M75.77M68.48M55.37M49.88M52.89M55.10M54.19M57.29M61.24M63.83M73.48M138.19M150.55M160.56M170.87M167.09M173.33M179.08M187.94M
Cash-6.93M-3.07M4.77M10.71M5.83M8.13M24.04M45.65M72.44M41.31M23.26M19.59M11.68M18.47M21.19M49.83M53.24M60.58M123.19M49.20M35.61M37.14M50.17M118.85M
Total Debt---3.70M13.50M36.20M61.20M96.45M110.25M106.81M64.20M30.40M98.50M100.00M117.78M117.78M70.29M120.32M134.46M174.53M181.83M169.95M214.94M147.00M66.61M51.80M
Net Debt--6.93M-625.98K8.73M25.49M54.07M89.72M86.21M61.16M-8.24M-10.91M75.24M80.41M106.10M90.92M59.50M70.49M81.22M113.95M58.63M120.75M179.33M109.86M16.43M-67.05M

Cash Flow

Currency: USD2003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow1.29M1.20M1.75M3.76M-1.21M2.37M3.78M5.84M10.01M9.08M6.74M7.84M5.78M5.70M1.91M10.86M12.84M23.79M21.60M29.29M13.12M20.18M11.69M
Investing Cash Flow-18.38M-22.19M-26.90M-41.04M-102.16M-61.23M-86.82M-977.00K10.45M-9.52M-38.38M-25.03M285.00K49.27M13.79M-49.46M-63.33M-61.81M-163.20M-119.19M-34.20M113.74M45.71M
Financing Cash Flow14.23M22.69M29.65M34.19M103.55M76.18M102.57M24.39M-61.13M-8.06M25.98M11.03M6.38M-68.80M15.93M31.43M60.56M101.63M69.85M77.57M22.86M-120.88M11.28M
Capital Expenditure088.00K235.00K1.17M272.00K2.56M3.07M306.00K577.00K473.00K549.00K485.00K331.00K961.00K609.00K2.96M6.77M2.57M3.78M3.60M1.37M889.00K1.31M
Free Cash Flow1.29M1.11M1.51M2.59M-1.48M-187.00K708.00K5.53M9.43M8.61M6.19M7.35M5.45M4.74M1.30M7.90M6.07M21.21M17.82M25.69M11.76M19.29M10.38M
Dividends Paid-49.00K193.00K190.00K1.11M1.34M1.15M-00103.00K207.00K418.00K629.00K842.00K1.18M2.20M2.37M2.51M2.74M3.04M3.35M3.60M
FCF to OCF100.00%92.66%86.55%68.84%122.48%-7.90%18.74%94.76%94.23%94.79%91.86%93.81%94.27%83.13%68.17%72.78%47.25%89.18%82.51%87.70%89.58%95.59%88.79%
Dividend Paid to FCF-4.42%12.75%7.34%-75.24%-718.72%161.86%-0.00%0.00%1.66%2.82%7.68%13.28%64.57%14.95%36.24%11.18%14.09%10.68%25.86%17.35%34.66%

Earnings

Report DateJun 30, 2004Dec 31, 2004Mar 31, 2005Jun 30, 2005Sep 30, 2005Dec 31, 2005Mar 31, 2006Jun 30, 2006Sep 30, 2006Dec 31, 2006May 4, 2007Aug 3, 2007Nov 2, 2007Jan 25, 2008May 2, 2008Jul 25, 2008Nov 5, 2008Feb 6, 2009May 5, 2009Aug 20, 2009Dec 21, 2009Feb 5, 2010May 12, 2010Aug 13, 2010Dec 20, 2010Feb 4, 2011May 11, 2011Aug 12, 2011Dec 19, 2011Feb 3, 2012May 9, 2012Aug 10, 2012Dec 17, 2012Feb 8, 2013May 15, 2013Aug 16, 2013Dec 20, 2013Feb 7, 2014Apr 25, 2014Jul 25, 2014Dec 19, 2014Jan 27, 2015Apr 24, 2015Jul 24, 2015Dec 18, 2015Jan 25, 2016Apr 29, 2016Jul 29, 2016Dec 29, 2016Jan 30, 2017May 1, 2017Jul 31, 2017Nov 7, 2017Jan 26, 2018Apr 27, 2018Jul 27, 2018Oct 26, 2018Jan 28, 2019Apr 26, 2019Jul 29, 2019Oct 28, 2019Jan 27, 2020Apr 28, 2020Jul 30, 2020Oct 27, 2020Jan 28, 2021Apr 26, 2021Jul 26, 2021Oct 25, 2021Jan 31, 2022Apr 25, 2022Jul 25, 2022Oct 24, 2022Jan 23, 2023Apr 25, 2023Jul 24, 2023Oct 24, 2023Jan 29, 2024Apr 29, 2024Jul 29, 2024Oct 28, 2024Jan 27, 2025Apr 28, 2025Jul 28, 2025Oct 27, 2025Jan 26, 2026Apr 27, 2026Jul 27, 2026Oct 26, 2026
EPS Estimate-----------------------------------------------------0.240.260.270.180.250.250.250.260.280.200.180.210.280.400.340.410.400.370.330.360.410.380.270.270.260.260.270.270.270.270.290.370.400.360.410.47
EPS Actual0.040.040.070.050.030.020.010.010.02-0.020.020.050.060.070.040.060.070.050.03-0.800.100.03-0.020.03-1.44-0.050.020.030.03-0.080.010.070.040.050.060.030.060.060.060.110.110.140.110.120.130.160.130.180.110.180.170.200.110.300.230.110.120.130.170.230.300.260.230.250.300.330.510.440.470.580.450.410.400.490.350.310.240.380.390.360.320.270.320.330.370.440.390.11-
Surprise-----------------------------------------------------25.00%-11.54%-59.26%-33.33%-48.00%-32.00%-8.00%15.38%-7.14%15.00%38.89%42.86%17.86%27.50%29.41%14.63%45.00%21.62%24.24%11.11%19.51%-7.89%14.81%-11.11%46.15%50.00%33.33%18.52%0.00%18.52%13.79%0.00%10.00%8.33%-73.17%-
Timing---------------------------------------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap205.94M
Enterprise Value136.69M
Trailing P/E16.29
Forward P/E10.72
PEG Ratio0.00
Price / Sales3.53
Price / Book1.07
EPS1.31
Book Value19.83
Revenue (TTM)58.29M
Gross Profit (TTM)58.29M
Profit Margin21.98%
Operating Margin14.52%
Return on Equity6.84%
Return on Assets0.72%
Shares Outstanding9.65M
Shares Float7.87M
Beta0.51
Dividend Yield1.49%
Dividend Rate0.32
Payout Ratio24.05%

Analyst Ratings

Strong Buy
Based on 2 analystsTarget 22.25
  • Strong Buy
    2

Ownership Breakdown

Institutions
60.20%
Insiders
15.81%
Retail / Other
23.99%

Top Institutional Holders

  • BlackRock Inc
    507.90K5.26%
  • Manufacturers Life Insurance Co
    484.19K5.02%
  • Vanguard Capital Management, LLC
    461.22K4.78%
  • Dimensional Fund Advisors, Inc.
    376.26K3.90%
  • Boston Partners Global Investors, Inc
    281.63K2.92%
  • Acadian Asset Management LLC
    254.71K2.64%
  • Gendell Jeffrey L
    248.32K2.57%
  • Banc Funds Co LLC
    206.06K2.14%
  • Geode Capital Management, LLC
    204.26K2.12%
  • Rhino Investment Partners, Inc.
    162.31K1.68%
  • Bridgeway Capital Management, LLC
    160.31K1.66%
  • Two Sigma Investments LLC
    159.05K1.65%
  • Arrowstreet Capital Limited Partnership
    147.56K1.53%
  • AllianceBernstein L.P.
    147.56K1.53%
  • UBS Group AG
    133.68K1.39%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    290.83K3.01%
  • JHancock Regional Bank A
    276.20K2.86%
  • iShares Russell 2000 ETF
    264.45K2.74%
  • JH Financial Opportunities
    169.12K1.75%
  • Boston Partners Small Cap Value II Inv
    162.72K1.69%

Dividends

20264×
0.12Nov 6, 20260.10Aug 7, 20260.10May 8, 20260.10Feb 6, 2026
20251×
0.36Feb 7, 2025
20241×
0.32Feb 8, 2024
20231×
0.29Feb 2, 2023
20221×
0.26Feb 11, 2022
20211×
0.23Feb 10, 2021
20201×
0.21Feb 4, 2020
20191×
0.20Feb 7, 2019
20181×
0.20Feb 8, 2018
20171×
0.16Mar 7, 2017
20161×
0.12Mar 9, 2016
20151×
0.08Mar 11, 2015
20141×
0.04Mar 11, 2014
20131×
0.02Apr 2, 2013
20093×
0.05Aug 18, 20090.05Apr 28, 20090.05Feb 3, 2009
20084×
0.05Oct 28, 20080.05Jul 29, 20080.05Apr 29, 20080.05Jan 29, 2008

Stock Splits

  • Nov 1, 2006191:100