Stock Scorecard

Stock Summary for Citizens Community Bancorp Inc MD (CZWI) - $14.83 as of 5/9/2025 9:49:13 PM EST

Total Score

15 out of 30

Safety Score

56 out of 100

Currently on the following lists
None
Tim's Recommendation
Possible Buy

Growth List Algorithm Criteria for CZWI

Positive earnings growth
P/E ratio less than Industry P/E Ratio
P/E ratio less than Sector P/E Ratio
P/E ratio that is half the growth rate (or less)
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Positive net income past year and 12 trailing months
Free cash flow ratio greater than 0 and less than 10

Small Cap List Algorithm Criteria for CZWI

Revenue growing by at least 20% average per year over the last 5 years
Market Capitalization under 2 billion
Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months
Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months
Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year

Dividend List Algorithm Criteria for CZWI

Declared an ex-dividend date
Forward annual dividend rate greater than 2
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Current ratio most recent quarter greater than 2
Cash Flow per Share greater than Trailing Dividend Rate

Bonus Criteria for CZWI

P/E ratio less than five-year Average P/E ratio
Last Price to 52 Week Low Ratio Less Than 1
Total Cash Per Share > Last Day Price
P/S Ratio < 1
P/B Ratio < 1

Safety Rating Criteria for CZWI (56 out of 100)

Stock Price Rating (Max of 10) 5
Historical Stock Price Rating (Max of 10) 5
Stock Price Trend (Max of 10) 9
Book Value (Max of 10) 6
Book Value to Price (Max of 10) 8
Analyst Buy Ratings (Max of 5) 3
Analyst Strong Buy Ratings (Max of 5) 0
Dividend Yield Percentage (Max of 10) 4
Operating Margin (Max of 10) 6
Trading Volume (Max of 10) 1
Price to Earnings (Max of 10) 9
Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) 0

Financial Details for CZWI

Company Overview
Ticker CZWI
Company Name Citizens Community Bancorp Inc MD
Country USA
Description Citizens Community Bancorp, Inc. is a bank holding company for Citizens Community Federal NA providing a variety of traditional community banking services to businesses, agricultural operators, and consumers. The company is headquartered in Eau Claire, Wisconsin.
Sector Name FINANCE
Industry Name SAVINGS INSTITUTION, FEDERALLY CHARTERED
Most Recent Quarter 3/31/2025
Next Earnings Date 7/28/2025

Stock Price History
Last Day Price 14.83
Price 4 Years Ago 12.60
Last Day Price Updated 5/9/2025 9:49:13 PM EST
Last Day Volume 10,237
Average Daily Volume 22,478
52-Week High 16.65
52-Week Low 10.40
Last Price to 52 Week Low 42.60%

Valuation Measures
Trailing PE 11.73
Industry PE 19.75
Sector PE 18.79
5-Year Average PE 15.59
Free Cash Flow Ratio 2.95
Industry Free Cash Flow Ratio 8.19
Sector Free Cash Flow Ratio 25.54
Current Ratio Most Recent Quarter 0.04
Total Cash Per Share 5.02
Book Value Per Share Most Recent Quarter 18.02
Price to Book Ratio 0.83
Industry Price to Book Ratio 0.92
Sector Price to Book Ratio 2.06
Price to Sales Ratio Twelve Trailing Months 2.56
Industry Price to Sales Ratio Twelve Trailing Months 3.06
Sector Price to Sales Ratio Twelve Trailing Months 3.16
Analyst Buy Ratings 2
Analyst Strong Buy Ratings 0

Share Statistics
Total Shares Outstanding 9,989,500
Market Capitalization 148,144,285
Institutional Ownership N/A

Dividends
Ex-Dividend Date 2/7/2025
Previous Dividend Amount 0.3200
Current Dividend Amount 0.3600
Total Years Dividend Increasing 5
Trailing Annual Dividend Rate 0.36
Trailing Annual Dividend Yield 2.43%
Forward Annual Dividend Rate 0.36
Forward Annual Dividend Yield 2.43%
5-Year Dividend Payments Count 5
3-Year Average Dividend Yield 2.31%
5-Year Average Dividend Yield 2.19%
1-Year Dividend Growth Rate Percentage 12.50%
3-Year Dividend Growth Rate Percentage 11.42%
5-Year Dividend Growth Rate Percentage 11.85%
All-Time Dividend Growth Rate Percentage 3.58%
Dividend Payout Ratio 28.35%

Income Statement
Quarterly Earnings Growth YOY -17.90%
Annual Earnings Growth 5.30%
Reported EPS 12 Trailing Months 1.27
Reported EPS Past Year 0.32
Reported EPS Prior Year 1.33
Net Income Twelve Trailing Months 12,860,000
Net Income Past Year 13,751,000
Net Income Prior Year 13,059,000
Quarterly Revenue Growth YOY -9.60%
5-Year Revenue Growth -0.01%
Operating Margin Twelve Trailing Months 31.10%

Balance Sheet
Total Cash Most Recent Quarter 50,172,000
Total Cash Past Year 50,172,000
Total Cash Prior Year 37,138,000
Net Cash Position Most Recent Quarter -16,434,000
Net Cash Position Past Year -16,434,000
Long Term Debt Past Year 66,606,000
Long Term Debt Prior Year 146,995,000
Total Debt Most Recent Quarter 66,606,000
Equity to Debt Ratio Past Year 0.73
Equity to Debt Ratio Most Recent Quarter 0.73
Total Stockholder Equity Past Year 179,084,000
Total Stockholder Equity Prior Year 173,334,000
Total Stockholder Equity Most Recent Quarter 180,051,000

Free Cash Flow
Free Cash Flow Twelve Trailing Months 18,882,000
Free Cash Flow Per Share Twelve Trailing Months 1.89
Free Cash Flow Past Year 19,287,000
Free Cash Flow Prior Year 11,757,000

Options
Put/Call Ratio 0.00
Has Options False
Liquidity Rating None

Technical Analysis
Yahoo Finance Chart Yahoo Finance Chart
MACD 0.19
MACD Signal 0.15
20-Day Bollinger Lower Band 13.19
20-Day Bollinger Middle Band 14.89
20-Day Bollinger Upper Band 16.59
Beta 0.74
RSI 54.49
50-Day SMA 11.77
150-Day SMA 0.00
200-Day SMA 12.06

System
Modified 5/9/2025 9:49:15 PM EST