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7.05 (1y: +25%)
Market Cap 36.3 M P/E(ttm) 32.00
Enterprise Value 84.3 M P/B 0.70
CZWI- NAS (USA)
Citizens Community Bancorp, Inc.
Not Rated
Top Ranked Predictable Companies
$7.05
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GuruFocus Financial Strength Rank measures how strong a companyย’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry		 vs
history
Cash to Debt 0.472
CZWI's Cash to Debt is ranked higher than
67% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.42 vs. CZWI: 0.472 )
CZWI' s 10-Year Cash to Debt Range
Min: 0.07   Max: No Debt
Current: 0.47
Equity to Asset 0.104
CZWI's Equity to Asset is ranked higher than
70% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CZWI: 0.104 )
CZWI' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.2
Current: 0.1
0.08
0.2
Interest Coverage No Debt
CZWI's Interest Coverage is ranked higher than
87% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. CZWI: No Debt )
CZWI' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 5
Z-Score: 0.22
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry		 vs
history
Operating margin (%) 1.70
CZWI's Operating margin (%) is ranked higher than
52% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.80 vs. CZWI: 1.70 )
CZWI' s 10-Year Operating margin (%) Range
Min: -52.1   Max: 17.4
Current: 1.7
-52.1
17.4
Net-margin (%) 0.9
CZWI's Net-margin (%) is ranked lower than
53% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.70 vs. CZWI: 0.9 )
CZWI' s 10-Year Net-margin (%) Range
Min: -46   Max: 15.9
Current: 0.9
-46
15.9
ROE (%) 0.4
CZWI's ROE (%) is ranked higher than
53% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. CZWI: 0.4 )
CZWI' s 10-Year ROE (%) Range
Min: -14.2   Max: 8.5
Current: 0.4
-14.2
8.5
Revenue Growth (%) 20.5
CZWI's Revenue Growth (%) is ranked higher than
98% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CZWI: 20.5 )
CZWI' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 20.5
Current: 20.5
0
20.5
ยป CZWI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades
Q2 2012

CZWI Guru Trades in Q2 2012

First Pacific Advisors 153,860 sh (+408.98%)
» More
Q3 2012

CZWI Guru Trades in Q3 2012

First Pacific Advisors 153,860 sh (unchged)
» More
Q4 2012

CZWI Guru Trades in Q4 2012

First Pacific Advisors 114,160 sh (-25.8%)
» More
Q1 2013

CZWI Guru Trades in Q1 2013

First Pacific Advisors 114,160 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with CZWI



No Insider Trades Found!
ยป Financial Charts

Peter Lynch Chart

Ratios

vs
industry		 vs
history
P/E(ttm) 32.00
CZWI's P/E(ttm) is ranked lower than
63% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.60 vs. CZWI: 32.00 )
CZWI' s 10-Year P/E(ttm) Range
Min: 24.59   Max: 207
Current: 32
24.59
207
P/B 0.70
CZWI's P/B is ranked higher than
81% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. CZWI: 0.70 )
CZWI' s 10-Year P/B Range
Min: 0.27   Max: 2.97
Current: 0.7
0.27
2.97
P/S 1.60
CZWI's P/S is ranked higher than
79% of the 1433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.33 vs. CZWI: 1.60 )
CZWI' s 10-Year P/S Range
Min: 0.86   Max: 8.96
Current: 1.6
0.86
8.96
PFCF 5.70
CZWI's PFCF is ranked higher than
66% of the 1087 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.38 vs. CZWI: 5.70 )
CZWI' s 10-Year PFCF Range
Min: 1.94   Max: 91.96
Current: 5.7
1.94
91.96
EV-to-EBIT 43.5
CZWI's EV-to-EBIT is ranked lower than
63% of the 1102 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.26 vs. CZWI: 43.5 )
CZWI' s 10-Year EV-to-EBIT Range
Min: 4.8   Max: 267.1
Current: 43.5
4.8
267.1
Shiller P/E 111.7
CZWI's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. CZWI: 111.7 )
CZWI' s 10-Year Shiller P/E Range
Min: 23.52   Max: 111.7
Current: 111.7
23.52
111.7

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 0.30
CZWI's Dividend Yield is ranked lower than
66% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. CZWI: 0.30 )
CZWI' s 10-Year Dividend Yield Range
Min: 0.27   Max: 4.52
Current: 0.3
0.27
4.52
Dividend Payout 0.087
CZWI's Dividend Payout is ranked higher than
93% of the 951 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.30 vs. CZWI: 0.087 )
CZWI' s 10-Year Dividend Payout Range
Min: 0.85   Max: 1.36
Current: 0.09
0.85
1.36
Dividend growth (3y) -100
CZWI's Dividend growth (3y) is ranked lower than
67% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CZWI: -100 )
CZWI' s 10-Year Dividend growth (3y) Range
Min: 0   Max: -100
Current: -100
Yield on cost (5-Year) 0.30
CZWI's Yield on cost (5-Year) is ranked lower than
60% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.26 vs. CZWI: 0.30 )
CZWI' s 10-Year Yield on cost (5-Year) Range
Min: 0.27   Max: 4.52
Current: 0.3
0.27
4.52
Share Buyback Rate 1.1
CZWI's Share Buyback Rate is ranked higher than
97% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -0.20 vs. CZWI: 1.1 )
CZWI' s 10-Year Share Buyback Rate Range
Min: 0   Max: -22.1
Current: 1.1

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.7
CZWI's Price/Tangible Book is ranked higher than
89% of the 1191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CZWI: 0.7 )
CZWI' s 10-Year Price/Tangible Book Range
Min: 0.5   Max: 3.1
Current: 0.7
0.5
3.1
Price/DCF (Projected) 0.4
CZWI's Price/DCF (Projected) is ranked higher than
85% of the 679 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. CZWI: 0.4 )
CZWI' s 10-Year Price/DCF (Projected) Range
Min: 0.3   Max: 0.4
Current: 0.4
0.3
0.4
Price/Median PS Value 0.6
CZWI's Price/Median PS Value is ranked higher than
88% of the 1268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CZWI: 0.6 )
CZWI' s 10-Year Price/Median PS Value Range
Min: 0.3   Max: 2.5
Current: 0.6
0.3
2.5
Price/Graham Number 2.3
CZWI's Price/Graham Number is ranked lower than
69% of the 1094 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CZWI: 2.3 )
CZWI' s 10-Year Price/Graham Number Range
Min: 1   Max: 4.6
Current: 2.3
1
4.6
Earnings Yield (Greenblatt) 2.30
CZWI's Earnings Yield (Greenblatt) is ranked higher than
59% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.10 vs. CZWI: 2.30 )
CZWI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.4   Max: 20.7
Current: 2.3
0.4
20.7
Forward Rate of Return (Yacktman) 13.19
CZWI's Forward Rate of Return (Yacktman) is ranked higher than
82% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CZWI: 13.19 )
CZWI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 1.4   Max: 17.9
Current: 13.19
1.4
17.9

Business Description

Citizens Community Bancorp, Inc. was incorporated under the laws of the State of Maryland to hold all of the stock of Citizens Community Federal (the Bank). The Bank is a community-oriented financial institution offering a variety of financial services to meet the needs of the communities it serves. The Bank operates as a full service savings bank with primary markets in, but not limited to, Wisconsin, Minnesota, and Michigan. It is engaged in the business of attracting deposits from the general public and investing those deposits in residential and consumer loans. The Bank faces strong competition in originating real estate and other loans, and in attracting deposits. Citizens Community Federal, as a federally chartered savings bank, is subject to regulation and oversight by the OTS extending to all aspects of its operations.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป More Articles for CZWI

Headlines

Articles On GuruFocus.com
Citizens Community Bancorp Inc. Reports Operating Results (10-Q) Feb 14 2011 
Citizens Community Bancorp Inc. Reports Operating Results (10-K) Dec 23 2010 
Citizens Community Bancorp Inc. Reports Operating Results (10-Q) May 12 2010 
Citizens Community Bancorp Inc. Reports Operating Results (10-Q) Feb 12 2010 
Citizens Community Bancorp Inc. Reports Operating Results (10-Q) May 11 2009 
Citizens Community Bancorp Inc. Reports Operating Results (10-Q) Feb 14 2009 
Citizens Community Bancorp, Inc., Announces Fiscal 2009 First-Quarter Results Feb 06 2009 

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