Shares Outstanding Shares Outstanding n/a Close	9.99M
Shares Change (YoY) Shares Change (YoY) n/a Close	-4%
Shares Change (QoQ) Shares Change (QoQ) n/a Close	-0.44%
Owned by Institutions (%) Owned by Institutions (%) n/a Close	54.15%
Shares Floating Shares Floating n/a Close	9.03M
Failed to Deliver (FTD) Shares Failed to Deliver (FTD) Shares n/a Close	60
FTD / Avg. Volume FTD / Avg. Volume n/a Close	0.27%

Short Selling Information

The latest short interest is 28.18K, so 0.28% of the outstanding shares have been sold short.

Short Interest Short Interest n/a Close	28.18K
Short % of Shares Out Short % of Shares Out n/a Close	0.28%
Short % of Float Short % of Float n/a Close	0.29%
Short Ratio (days to cover) Short Ratio (days to cover) n/a Close	2.16

Valuation Ratios

The PE ratio is 12.08 and the forward PE ratio is 8.02. Citizens Community Bancorp's PEG ratio is 1.68.

PE Ratio PE Ratio n/a Close	12.08
Forward PE Forward PE n/a Close	8.02
PS Ratio PS Ratio n/a Close	1.67
Forward PS Forward PS n/a Close	1.9
PB Ratio PB Ratio n/a Close	0.93
P/FCF Ratio P/FCF Ratio n/a Close	8.61
PEG Ratio PEG Ratio n/a Close	1.68

Financial Ratio History

Enterprise Valuation

Citizens Community Bancorp has an Enterprise Value (EV) of 182.56M.

EV / Sales EV / Sales n/a Close	1.84
EV / EBITDA EV / EBITDA n/a Close	8.75
EV / EBIT EV / EBIT n/a Close	9.05
EV / FCF EV / FCF n/a Close	9.47

Financial Position

The company has a current ratio of 0.09, with a Debt / Equity ratio of 0.37.

Current Ratio Current Ratio n/a Close	0.09
Quick Ratio Quick Ratio n/a Close	0.09
Debt / Equity Debt / Equity n/a Close	0.37
Debt / EBITDA Debt / EBITDA n/a Close	3.19
Debt / FCF Debt / FCF n/a Close	3.45
Interest Coverage Interest Coverage n/a Close	0.4

Financial Efficiency

Return on Equity is 7.68% and Return on Invested Capital is 5.28%.

Return on Equity Return on Equity n/a Close	7.68%
Return on Assets Return on Assets n/a Close	0.79%
Return on Invested Capital Return on Invested Capital n/a Close	5.28%
Revenue Per Employee Revenue Per Employee n/a Close	$480,328.5
Profits Per Employee Profits Per Employee n/a Close	$66,429.95
Employee Count Employee Count n/a Close	207
Asset Turnover Asset Turnover n/a Close	0.06
Inventory Turnover Inventory Turnover n/a Close	n/a

Taxes

Income Tax Income Tax n/a Close	3.7M
Effective Tax Rate Effective Tax Rate n/a Close	21.2%

Stock Price Statistics

The stock price has increased by 13.07% in the last 52 weeks. The beta is 0.75, so Citizens Community Bancorp's price volatility has been higher than the market average.

Beta Beta n/a Close	0.75
52-Week Price Change 52-Week Price Change n/a Close	13.07%
50-Day Moving Average 50-Day Moving Average n/a Close	14.36
200-Day Moving Average 200-Day Moving Average n/a Close	14.83
Relative Strength Index (RSI) Relative Strength Index (RSI) n/a Close	32.95
Average Volume (20 Days) Average Volume (20 Days) n/a Close	22,124

Income Statement

In the last 12 months, Citizens Community Bancorp had revenue of 99.43M and earned 13.75M in profits. Earnings per share was 1.34.

Revenue Revenue n/a Close	99.43M
Gross Profit Gross Profit n/a Close	59.46M
Operating Income Operating Income n/a Close	17.45M
Net Income Net Income n/a Close	13.75M
EBITDA EBITDA n/a Close	20.87M
EBIT EBIT n/a Close	17.45M
Earnings Per Share (EPS) Earnings Per Share (EPS) n/a Close	1.34

Full Income Statement

Balance Sheet

The company has 50.17M in cash and 66.61M in debt, giving a net cash position of -16.43M.

Cash & Cash Equivalents Cash & Cash Equivalents n/a Close	50.17M
Total Debt Total Debt n/a Close	66.61M
Net Cash Net Cash n/a Close	-16.43M
Retained Earnings Retained Earnings n/a Close	80.84M
Total Assets Total Assets n/a Close	1.78B
Working Capital Working Capital n/a Close	-1.35B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 20.18M and capital expenditures -889K, giving a free cash flow of 19.29M.

Operating Cash Flow Operating Cash Flow n/a Close	20.18M
Capital Expenditures Capital Expenditures n/a Close	-889K
Free Cash Flow Free Cash Flow n/a Close	19.29M
FCF Per Share FCF Per Share n/a Close	1.89

Full Cash Flow Statement

Margins

Gross margin is 59.8%, with operating and profit margins of 17.55% and 13.83%.

Gross Margin Gross Margin n/a Close	59.8%
Operating Margin Operating Margin n/a Close	17.55%
Pretax Margin Pretax Margin n/a Close	17.55%
Profit Margin Profit Margin n/a Close	13.83%
EBITDA Margin EBITDA Margin n/a Close	20.99%
EBIT Margin EBIT Margin n/a Close	17.55%
FCF Margin FCF Margin n/a Close	19.4%

Dividends & Yields

CZWI pays an annual dividend of $0.68, which amounts to a dividend yield of 2.32%.

Dividend Per Share Dividend Per Share n/a Close	$0.68
Dividend Yield Dividend Yield n/a Close	2.32%
Dividend Growth (YoY) Dividend Growth (YoY) n/a Close	12.5%
Payout Ratio Payout Ratio n/a Close	53.54%
Earnings Yield Earnings Yield n/a Close	8.28%
FCF Yield FCF Yield n/a Close	11.61%

Dividend Details

Analyst Forecast

Currently there are no analyst rating for CZWI.

Price Target Price Target n/a Close	n/a
Price Target Difference Price Target Difference n/a Close	n/a
Analyst Consensus Analyst Consensus n/a Close	n/a
Analyst Count Analyst Count n/a Close	n/a

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value Lynch Fair Value n/a Close	$6.7
Lynch Upside Lynch Upside n/a Close	-48.7%
Graham Number Graham Number n/a Close	23.08
Graham Upside Graham Upside n/a Close	76.72%

Stock Splits

The last stock split was on Nov 1, 2006. It was a forward split with a ratio of 191:100.

Last Split Date Last Split Date n/a Close	Nov 1, 2006
Split Type Split Type n/a Close	forward
Split Ratio Split Ratio n/a Close	191:100

Scores

Altman Z-Score Altman Z-Score n/a Close	-0.71
Piotroski F-Score Piotroski F-Score n/a Close	7