CZWINasdaqSavings Institution, Federally CharteredFiscal year ends December 31
Citizens Community Bancorp Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$21.11−0.11 (-0.52%)
Close on Oct 19, 2026
- Market cap
- $203.65M
- P/E (TTM)
- 16.1
- Dividend yield
- 1.71%
Citizens Community Bancorp statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of Savings Institution, Federally Chartered companies for comparison
Valuation
| Measure | Citizens Community Bancorp | Industry median |
|---|---|---|
| Market Cap | $203.72M | $679.86M |
| Enterprise Value | $81.95M | $408.94M |
| PE Ratio | 16.11 | 11.99 |
| PS Ratio | 3.17 | 3.59 |
| PB Ratio | 1.06 | 1.18 |
| P/TBV Ratio | 1.28 | 1.41 |
| P/FCF Ratio | 10.53 | 10.89 |
| P/OCF Ratio | 9.10 | 10.01 |
Enterprise value
| Measure | Citizens Community Bancorp | Industry median |
|---|---|---|
| EV / Sales | 1.28 | 2.76 |
| EV / FCF | 4.24 | 8.23 |
Income (trailing twelve months)
| Measure | Citizens Community Bancorp | Industry median |
|---|---|---|
| Revenue | $64.21M | $170.85M |
| Pretax Income | $15.29M | $70.12M |
| Net Income | $12.81M | $54.33M |
| EPS (Diluted) | $1.31 | $2.91 |
Margins
| Measure | Citizens Community Bancorp | Industry median |
|---|---|---|
| Pretax Margin | 23.8% | 36.5% |
| Profit Margin | 19.9% | 29.1% |
| FCF Margin | 30.1% | 33.2% |
Returns
| Measure | Citizens Community Bancorp | Industry median |
|---|---|---|
| Return on Equity (ROE) | 6.84% | 10.6% |
| Return on Assets (ROA) | 0.72% | 1.12% |
Growth
| Measure | Citizens Community Bancorp | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 10.2% | 11.8% |
| Net Income Growth (YoY) | 2.85% | 23.2% |
| EPS Growth (YoY) | 5.65% | 23.1% |
| FCF Growth (YoY) | 191.0% | 28.5% |
| Revenue Growth (3Y CAGR) | -2.28% | 5.82% |
| Revenue Growth (5Y CAGR) | -1.93% | 6.17% |
| EPS Growth (3Y CAGR) | -4.76% | 1.31% |
| EPS Growth (5Y CAGR) | 5.07% | 8.24% |
Balance sheet
| Measure | Citizens Community Bancorp | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $121.76M | $205.54M |
| Net Cash (Debt) | $121.76M | $164.40M |
| Net Cash Per Share | $12.62 | $8.13 |
| Equity (Book Value) | $191.35M | $563.88M |
| Book Value Per Share | $19.83 | $28.47 |
| Tangible Book Value | $159.68M | $475.36M |
Cash flow (trailing twelve months)
| Measure | Citizens Community Bancorp | Industry median |
|---|---|---|
| Operating Cash Flow | $22.38M | $61.52M |
| Capital Expenditures | -$3.03M | -$4.08M |
| Free Cash Flow | $19.35M | $52.15M |
| FCF Per Share | $2.00 | $3.05 |
Efficiency
| Measure | Citizens Community Bancorp | Industry median |
|---|---|---|
| Asset Turnover | 0.04 | 0.04 |
| Revenue Per Employee | $295.91K | $353.78K |
| Profits Per Employee | $59.03K | $107.28K |
| Employee Count | 217 | 489 |
Dividends and yields
| Measure | Citizens Community Bancorp | Industry median |
|---|---|---|
| Earnings Yield | 6.29% | 8.13% |
| FCF Yield | 9.50% | 8.91% |
| Dividend Yield | 1.71% | 2.48% |
| Shareholder Yield | 1.71% | 3.13% |
| Dividend Per Share | $0.36 | $0.93 |
| Dividend Growth (YoY) | 12.5% | 4.26% |
| Years of Dividend Growth | 9 | 2 |
| Payout Ratio | 15.8% | 29.3% |
| FCF Payout Ratio | 10.5% | 26.0% |
Shares
| Measure | Citizens Community Bancorp | Industry median |
|---|---|---|
| Shares Outstanding | 9,650,230 | 18,839,100 |
| Shares Change (YoY) | -3.29% | 0.40% |
| Shares Change (QoQ) | 0.22% | 0.00% |
| Float | 8,414,420 | 17,061,900 |
| Shares Held by Insiders | 12.8% | 5.89% |
| Shares Held by Institutions | 59.0% | 61.9% |
Taxes
| Measure | Citizens Community Bancorp | Industry median |
|---|---|---|
| Income Tax | $2.48M | $14.50M |
| Effective Tax Rate | 16.2% | 21.1% |
Scores
| Measure | Citizens Community Bancorp | Industry median |
|---|---|---|
| Graham Number | $24.18 | $45.31 |
| Graham Upside | 14.5% | 21.9% |
| Altman Z-Score | 0.18 | 0.21 |
| Piotroski F-Score | 6 | 6 |
Calculated by StockData from Citizens Community Bancorp's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.