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CITIZENS COMMUNITY BANCORP I (CZWI) Stock Fundamental Analysis

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

14.83  +0.09 (+0.61%)

Fundamental Rating

4

Taking everything into account, CZWI scores 4 out of 10 in our fundamental rating. CZWI was compared to 402 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.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

CZWI had positive earnings in the past year.
CZWI had a positive operating cash flow in the past year.
Each year in the past 5 years CZWI has been profitable.
CZWI had a positive operating cash flow in 4 of the past 5 years.
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

The Return On Assets of CZWI (0.82%) is comparable to the rest of the industry.
The Return On Equity of CZWI (8.18%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.82%
ROE 8.18%
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 better Profit Margin (25.82%) than 65.35% of its industry peers.
In the last couple of years the Profit Margin of CZWI has grown nicely.
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) 25.82%
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

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3

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.
CZWI has a better debt/assets ratio than last year.
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 3.03, which is a good value as it means it would take CZWI, 3.03 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 3.03, CZWI is in line with its industry, outperforming 45.54% of the companies in the same industry.
CZWI has a Debt/Equity ratio of 0.34. This is a healthy value indicating a solid balance between debt and equity.
CZWI has a worse Debt to Equity ratio (0.34) than 69.80% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 3.03
Altman-Z N/A
ROIC/WACCN/A
WACC12.02%
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 500K 1M 1.5M 2M 2.5M

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4

3. Growth

3.1 Past

The earnings per share for CZWI have decreased by -2.92% in the last year.
Measured over the past 5 years, CZWI shows a small growth in Earnings Per Share. The EPS has been growing by 6.74% on average per year.
CZWI shows a decrease in Revenue. In the last year, the revenue decreased by -3.46%.
The Revenue has been decreasing by -0.66% on average over the past years.
EPS 1Y (TTM)-2.92%
EPS 3Y-12.71%
EPS 5Y6.74%
EPS Q2Q%-22.86%
Revenue 1Y (TTM)-3.46%
Revenue growth 3Y-6.62%
Revenue growth 5Y-0.66%
Sales Q2Q%-0.33%

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 10.25% on average per year.
CZWI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.66% yearly.
EPS Next Y-0.3%
EPS Next 2Y10.25%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.08%
Revenue Next 2Y9.66%
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.
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 11.15, the valuation of CZWI can be described as very reasonable.
65.10% 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 29.35.
Based on the Price/Forward Earnings ratio of 11.18, the valuation of CZWI can be described as reasonable.
CZWI's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 22.10. CZWI is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 11.15
Fwd PE 11.18
CZWI Price Earnings VS Forward Price EarningsCZWI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of CZWI indicates a rather cheap valuation: CZWI is cheaper than 84.90% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 7.29
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

PEG (NY)N/A
PEG (5Y)1.66
EPS Next 2Y10.25%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

CZWI has a Yearly Dividend Yield of 2.44%. Purely for dividend investing, there may be better candidates out there.
CZWI's Dividend Yield is slightly below the industry average, which is at 3.37.
CZWI's Dividend Yield is comparable with the S&P500 average which is at 2.33.
Industry RankSector Rank
Dividend Yield 2.44%

5.2 History

On average, the dividend of CZWI grows each year by 15.73%, which is quite nice.
CZWI has paid a dividend for at least 10 years, which is 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)15.73%
Div Incr Years5
Div Non Decr Years11
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 22.70% 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.
DP22.7%
EPS Next 2Y10.25%
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

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CITIZENS COMMUNITY BANCORP I

NASDAQ:CZWI (3/7/2025, 8:17:02 PM)

14.83

+0.09 (+0.61%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27 2025-01-27/bmo
Earnings (Next)04-28 2025-04-28/amc
Inst Owners57.01%
Inst Owner Change4.24%
Ins Owners5.01%
Ins Owner Change0.7%
Market Cap148.00M
Analysts85
Price Target18.87 (27.24%)
Short Float %0.23%
Short Ratio0.93
Dividend
Industry RankSector Rank
Dividend Yield 2.44%
Yearly Dividend0.29
Dividend Growth(5Y)15.73%
DP22.7%
Div Incr Years5
Div Non Decr Years11
Ex-Date02-07 2025-02-07 (0.36)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)21.64%
Min EPS beat(2)16.19%
Max EPS beat(2)27.09%
EPS beat(4)4
Avg EPS beat(4)30.58%
Min EPS beat(4)16.19%
Max EPS beat(4)47.06%
EPS beat(8)7
Avg EPS beat(8)21.1%
EPS beat(12)11
Avg EPS beat(12)21.57%
EPS beat(16)15
Avg EPS beat(16)21%
Revenue beat(2)0
Avg Revenue beat(2)-10.06%
Min Revenue beat(2)-17.16%
Max Revenue beat(2)-2.95%
Revenue beat(4)1
Avg Revenue beat(4)-2.19%
Min Revenue beat(4)-17.16%
Max Revenue beat(4)12.08%
Revenue beat(8)4
Avg Revenue beat(8)1.8%
Revenue beat(12)8
Avg Revenue beat(12)9.83%
Revenue beat(16)12
Avg Revenue beat(16)16.5%
PT rev (1m)8.82%
PT rev (3m)12.12%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.76%
EPS NY rev (3m)-0.76%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.51%
Revenue NY rev (3m)-1.01%
Valuation
Industry RankSector Rank
PE 11.15
Fwd PE 11.18
P/S 2.59
P/FCF 7.29
P/OCF 6.87
P/B 0.82
P/tB 1.03
EV/EBITDA N/A
EPS(TTM)1.33
EY8.97%
EPS(NY)1.33
Fwd EY8.94%
FCF(TTM)2.03
FCFY13.71%
OCF(TTM)2.16
OCFY14.55%
SpS5.72
BVpS18.05
TBVpS14.41
PEG (NY)N/A
PEG (5Y)1.66
Profitability
Industry RankSector Rank
ROA 0.82%
ROE 8.18%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.82%
GM N/A
FCFM 35.54%
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-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 3.03
Debt/EBITDA N/A
Cap/Depr 37.05%
Cap/Sales 2.18%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 137.63%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC12.02%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-2.92%
EPS 3Y-12.71%
EPS 5Y6.74%
EPS Q2Q%-22.86%
EPS Next Y-0.3%
EPS Next 2Y10.25%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-3.46%
Revenue growth 3Y-6.62%
Revenue growth 5Y-0.66%
Sales Q2Q%-0.33%
Revenue Next Year7.08%
Revenue Next 2Y9.66%
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 1Y28.34%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y21.47%
OCF growth 3YN/A
OCF growth 5YN/A