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Company Analysis

Citizens Community Bancorp, Inc CZWI

A comprehensive view of key metrics, scores, and financial health for Citizens Community Bancorp, Inc

Overview of Citizens Community Bancorp, Inc.

CZWI NGM
Financial Services Banks - Regional Framework: Banks & Lenders Micro Cap
Citizens Community Bancorp, Inc. (CZWI), is a Micro Cap company, in the Banks - Regional industry, last closed at $21.46, about 7.2% overvalued vs fair value, +55.8% 1Y return, ranked 833/1037 in sector.
Metrics P/E 12.2× Rev Growth 60.0% ROE 7.9% Gross Margin 54.7%
USD 21.46
3.87%
(Delayed)
• Vol 90d: 24.1%
52-Week Range
Market Cap
$196.60M
Enterprise Value
$129.55M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Weak
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Weak
Completeness: 82%
Confidence: 90%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

Website https://ccf.us
HQ Eau Claire, WI
Fiscal year Dec 31

Next Events

Earnings Jul 27 Estimated

Fair Value Snapshot

Bear Base Bull
$11
$20
$37
Current: $21.46 -7% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$89.6M
6.4%%
Interest Expense
$39.1M
Net Interest Income
$46.5M
-3.9%%
Total Revenue
$90.1M
60%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
7.7%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$9.6M
69.5% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Citizens Community Bancorp, Inc's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
38
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
37
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing CZWI's balance between Growth (28.7%), Profitability (39.2%), and Safety (32.1%). Growth 29% Safety 32% Profitability 39%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

34th percentile vs peers
34
Key Signals
EPS Growth YoY 9.0% 56p Asset Growth YoY 1.9% 32p NII Growth YoY -3.9% 26p Equity Growth YoY 3.3% 28p
Strengths

No notable strengths identified for this axis.

Risks
  • Growth below peer median (percentile: 34)

Profitability

47th percentile vs peers
47
Key Signals
Strengths
Risks
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Safety

38th percentile vs peers
39
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Citizens Community Bancorp, Inc.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$19.92
- - -
-7.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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