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GuruFocus Financial Strength Rank measures how strong a company’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 0.41
CZWI's Cash to Debt is ranked lower than
74% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.02 vs. CZWI: 0.41 )
Ranked among companies with meaningful Cash to Debt only.
CZWI' s Cash to Debt Range Over the Past 10 Years
Min: 0.07  Med: 0.39 Max: No Debt
Current: 0.41
Equity to Asset 0.10
CZWI's Equity to Asset is ranked lower than
54% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CZWI: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
CZWI' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.10 Max: 0.27
Current: 0.1
0.08
0.27
Interest Coverage 0.99
CZWI's Interest Coverage is ranked lower than
63% of the 1535 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. CZWI: 0.99 )
Ranked among companies with meaningful Interest Coverage only.
CZWI' s Interest Coverage Range Over the Past 10 Years
Min: 0.06  Med: 0.20 Max: 0.92
Current: 0.99
0.06
0.92
F-Score: 4
M-Score: -2.31
WACC vs ROIC
3.98%
3.18%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’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.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

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 (%) 20.07
CZWI's Operating margin (%) is ranked lower than
74% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.85 vs. CZWI: 20.07 )
Ranked among companies with meaningful Operating margin (%) only.
CZWI' s Operating margin (%) Range Over the Past 10 Years
Min: -52.15  Med: 7.80 Max: 18.26
Current: 20.07
-52.15
18.26
Net-margin (%) 13.00
CZWI's Net-margin (%) is ranked lower than
78% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.32 vs. CZWI: 13.00 )
Ranked among companies with meaningful Net-margin (%) only.
CZWI' s Net-margin (%) Range Over the Past 10 Years
Min: -45.96  Med: 4.64 Max: 11.63
Current: 13
-45.96
11.63
ROE (%) 4.74
CZWI's ROE (%) is ranked lower than
76% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.23 vs. CZWI: 4.74 )
Ranked among companies with meaningful ROE (%) only.
CZWI' s ROE (%) Range Over the Past 10 Years
Min: -13.48  Med: 1.44 Max: 4.44
Current: 4.74
-13.48
4.44
ROA (%) 0.49
CZWI's ROA (%) is ranked lower than
73% of the 1690 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CZWI: 0.49 )
Ranked among companies with meaningful ROA (%) only.
CZWI' s ROA (%) Range Over the Past 10 Years
Min: -1.21  Med: 0.18 Max: 0.45
Current: 0.49
-1.21
0.45
Revenue Growth (3Y)(%) -0.20
CZWI's Revenue Growth (3Y)(%) is ranked lower than
63% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. CZWI: -0.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CZWI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -7.80 Max: 28.1
Current: -0.2
0
28.1
EBITDA Growth (3Y)(%) 49.80
CZWI's EBITDA Growth (3Y)(%) is ranked higher than
94% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. CZWI: 49.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CZWI' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -18.40 Max: 49.8
Current: 49.8
0
49.8
EPS Growth (3Y)(%) 131.90
CZWI's EPS Growth (3Y)(%) is ranked higher than
98% of the 1261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CZWI: 131.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CZWI' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -45.60 Max: 131.9
Current: 131.9
0
131.9
» CZWI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2015

CZWI Guru Trades in Q2 2015

First Pacific Advisors 108,909 sh (unchged)
» More
Q3 2015

CZWI Guru Trades in Q3 2015

First Pacific Advisors 108,909 sh (unchged)
» More
Q4 2015

CZWI Guru Trades in Q4 2015

First Pacific Advisors 108,909 sh (unchged)
» More
Q1 2016

CZWI Guru Trades in Q1 2016

First Pacific Advisors Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with CZWI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US
Compare:OTCPK:CNAF, OTCPK:NWYF, OTCPK:FABK, OTCPK:MCBK, OTCPK:VABK, NAS:ASRV, NAS:SFBC, NAS:MGYR, OTCPK:JFBC, NAS:CWBC, NAS:BYBK, OTCPK:PBAM, NAS:FBSS, NAS:UBOH, NAS:PFBX, NAS:CWAY, NAS:WBKC, NAS:ESBK, NAS:UBCP, NAS:FUNC » details
Citizens Community Bancorp Inc is a bank holding company. It provides consumer banking products and services in Wisconsin, Minnesota and Michigan.

Citizens Community Bancorp Inc is a Maryland corporation organized in 2004. The Company is a bank holding company. Its activities consist of holding the stock of its wholly-owned subsidiary bank, Citizens Community Federal, and providing consumer banking activities through the Bank. The Bank is a federally chartered stock savings institution with approximately 18 full-service offices, seven stand-alone locations and 11in-store branches, predominantly in Wal-Mart Supercenter stores. It provides a range of consumer banking products and services to customers in Wisconsin, Minnesota and Michigan. The Company offers a variety of loan products including residential mortgages, home equity lines-of-credit and consumer loans secured by personal property. It makes real estate and consumer loans in accordance with the basic lending policies established by Bank management and approved by its Board of Directors. The Company focuses its lending activities on individual consumers within its market areas. It maintain a portfolio of investments, consisting U.S. Government sponsored agency securities, bonds and other obligations issued by states and their political subdivisions and non-agency mortgage-backed securities. It offers a range of deposit products through its branches, including demand deposits, various savings and money-market accounts and certificates of deposit. Deposits are insured by the Deposit Insurance Fund of the Federal Deposit Insurance Corporation ('FDIC') up to statutory limits. It competes with other financial institutions and businesses both in attracting and retaining deposits and making loans in all of its principal markets. It also faces direct competition from other savings banks and their holding companies that have greater assets and resources. The Company and the Bank are also regulated by the FDIC.

Ratios

vs
industry
vs
history
P/E(ttm) 20.37
CZWI's P/E(ttm) is ranked lower than
80% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. CZWI: 20.37 )
Ranked among companies with meaningful P/E(ttm) only.
CZWI' s P/E(ttm) Range Over the Past 10 Years
Min: 16.41  Med: 37.92 Max: 599
Current: 20.37
16.41
599
PE(NRI) 20.37
CZWI's PE(NRI) is ranked lower than
80% of the 1546 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. CZWI: 20.37 )
Ranked among companies with meaningful PE(NRI) only.
CZWI' s PE(NRI) Range Over the Past 10 Years
Min: 16.41  Med: 38.29 Max: 599
Current: 20.37
16.41
599
Price/Owner Earnings (ttm) 24.89
CZWI's Price/Owner Earnings (ttm) is ranked lower than
86% of the 865 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.14 vs. CZWI: 24.89 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CZWI' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 8.81  Med: 17.63 Max: 325.93
Current: 24.89
8.81
325.93
P/B 0.93
CZWI's P/B is ranked higher than
57% of the 1654 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.02 vs. CZWI: 0.93 )
Ranked among companies with meaningful P/B only.
CZWI' s P/B Range Over the Past 10 Years
Min: 0.33  Med: 0.72 Max: 2.63
Current: 0.93
0.33
2.63
P/S 2.61
CZWI's P/S is ranked higher than
56% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. CZWI: 2.61 )
Ranked among companies with meaningful P/S only.
CZWI' s P/S Range Over the Past 10 Years
Min: 0.9  Med: 2.04 Max: 8.9
Current: 2.61
0.9
8.9
PFCF 15.92
CZWI's PFCF is ranked lower than
75% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.09 vs. CZWI: 15.92 )
Ranked among companies with meaningful PFCF only.
CZWI' s PFCF Range Over the Past 10 Years
Min: 2.76  Med: 7.89 Max: 660.94
Current: 15.92
2.76
660.94
POCF 13.16
CZWI's POCF is ranked lower than
73% of the 968 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. CZWI: 13.16 )
Ranked among companies with meaningful POCF only.
CZWI' s POCF Range Over the Past 10 Years
Min: 2.06  Med: 7.07 Max: 115.79
Current: 13.16
2.06
115.79
EV-to-EBIT 21.30
CZWI's EV-to-EBIT is ranked lower than
75% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.99 vs. CZWI: 21.30 )
Ranked among companies with meaningful EV-to-EBIT only.
CZWI' s EV-to-EBIT Range Over the Past 10 Years
Min: -22.9  Med: 43.10 Max: 5712.4
Current: 21.3
-22.9
5712.4
EV-to-EBITDA 16.96
CZWI's EV-to-EBITDA is ranked lower than
70% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.84 vs. CZWI: 16.96 )
Ranked among companies with meaningful EV-to-EBITDA only.
CZWI' s EV-to-EBITDA Range Over the Past 10 Years
Min: -33.1  Med: 24.30 Max: 121.4
Current: 16.96
-33.1
121.4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.09
CZWI's Dividend Yield is ranked lower than
89% of the 2261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. CZWI: 1.09 )
Ranked among companies with meaningful Dividend Yield only.
CZWI' s Dividend Yield Range Over the Past 10 Years
Min: 0.24  Med: 1.08 Max: 4.52
Current: 1.09
0.24
4.52
Dividend Payout 0.22
CZWI's Dividend Payout is ranked higher than
71% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. CZWI: 0.22 )
Ranked among companies with meaningful Dividend Payout only.
CZWI' s Dividend Payout Range Over the Past 10 Years
Min: 0.33  Med: 0.83 Max: 2.5
Current: 0.22
0.33
2.5
Forward Dividend Yield 1.09
CZWI's Forward Dividend Yield is ranked lower than
91% of the 2124 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.29 vs. CZWI: 1.09 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.09
CZWI's Yield on cost (5-Year) is ranked lower than
89% of the 2499 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. CZWI: 1.09 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CZWI' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.24  Med: 1.07 Max: 4.52
Current: 1.09
0.24
4.52
3-Year Average Share Buyback Ratio -0.60
CZWI's 3-Year Average Share Buyback Ratio is ranked higher than
63% of the 1081 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. CZWI: -0.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CZWI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -32.8  Med: 2.10 Max: 0
Current: -0.6
-32.8
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.94
CZWI's Price/Tangible Book is ranked higher than
61% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. CZWI: 0.94 )
Ranked among companies with meaningful Price/Tangible Book only.
CZWI' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.38  Med: 0.77 Max: 3.09
Current: 0.94
0.38
3.09
Price/Projected FCF 0.55
CZWI's Price/Projected FCF is ranked higher than
62% of the 897 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.64 vs. CZWI: 0.55 )
Ranked among companies with meaningful Price/Projected FCF only.
CZWI' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.32  Med: 0.49 Max: 0.87
Current: 0.55
0.32
0.87
Price/Median PS Value 1.28
CZWI's Price/Median PS Value is ranked lower than
81% of the 1572 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. CZWI: 1.28 )
Ranked among companies with meaningful Price/Median PS Value only.
CZWI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.43  Med: 1.03 Max: 8.39
Current: 1.28
0.43
8.39
Price/Graham Number 0.92
CZWI's Price/Graham Number is ranked lower than
60% of the 1440 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. CZWI: 0.92 )
Ranked among companies with meaningful Price/Graham Number only.
CZWI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.71  Med: 1.23 Max: 4.28
Current: 0.92
0.71
4.28
Earnings Yield (Greenblatt) (%) 4.70
CZWI's Earnings Yield (Greenblatt) (%) is ranked lower than
68% of the 1646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. CZWI: 4.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CZWI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.4  Med: 2.10 Max: 2721.4
Current: 4.7
0.4
2721.4

More Statistics

Revenue (TTM) (Mil) $22.04
EPS (TTM) $ 0.54
Beta0.19
Short Percentage of Float0.07%
52-Week Range $8.77 - 11.60
Shares Outstanding (Mil)5.25
» 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 

More From Other Websites
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Citizens Community Bancorp, Inc. Hires Stephen Bianchi as Its New President and Chief Executive... Jun 24 2016
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Citizens Community Bancorp, Inc. Engages FIG Partners to Explore Strategic Opportunities Jun 17 2016
CITIZENS COMMUNITY BANCORP INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jun 17 2016
Citizens Community Bancorp, Inc. Engages FIG Partners to Explore Strategic Opportunities Jun 17 2016
CITIZENS COMMUNITY BANCORP INC. Files SEC form 8-K, Change in Directors or Principal Officers,... May 23 2016
Edward H. Schaefer Resigns as President and CEO of Citizens Community Bancorp, Inc. May 23 2016
Edward H. Schaefer Resigns as President and CEO of Citizens Community Bancorp, Inc. May 23 2016
CITIZENS COMMUNITY BANCORP INC. Financials May 20 2016
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CITIZENS COMMUNITY BANCORP INC. Files SEC form 10-Q, Quarterly Report May 13 2016
Citizens Community Bancorp, Inc. (Wisconsin) :CZWI-US: Earnings Analysis: Q2, 2016 By the Numbers May 05 2016
CITIZENS COMMUNITY BANCORP INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 29 2016
Citizens Community Bancorp, Inc. Announces Fiscal Second Quarter Results Apr 29 2016
CITIZENS COMMUNITY BANCORP INC. Files SEC form 8-K/A, Entry into a Material Definitive Agreement,... Mar 30 2016
CITIZENS COMMUNITY BANCORP INC. Files SEC form 8-K, Submission of Matters to a Vote of Security... Mar 28 2016
CITIZENS COMMUNITY BANCORP INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements... Mar 24 2016
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