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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.15
CZWI's Cash to Debt is ranked higher than
54% of the 1375 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. CZWI: 0.15 )
CZWI' s 10-Year Cash to Debt Range
Min: 0.07   Max: No Debt
Current: 0.15

Equity to Asset 0.10
CZWI's Equity to Asset is ranked higher than
73% of the 1762 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CZWI: 0.10 )
CZWI' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.27
Current: 0.1

0.08
0.27
Interest Coverage 0.32
CZWI's Interest Coverage is ranked higher than
51% of the 1631 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. CZWI: 0.32 )
CZWI' s 10-Year Interest Coverage Range
Min: 0.04   Max: 0.48
Current: 0.32

0.04
0.48
F-Score: 6
Z-Score: 0.14
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 : 7/10

vs
industry
vs
history
Operating margin (%) 10.15
CZWI's Operating margin (%) is ranked higher than
54% of the 1787 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.70 vs. CZWI: 10.15 )
CZWI' s 10-Year Operating margin (%) Range
Min: -263.88   Max: 17.43
Current: 10.15

-263.88
17.43
Net-margin (%) 6.41
CZWI's Net-margin (%) is ranked higher than
53% of the 1787 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.59 vs. CZWI: 6.41 )
CZWI' s 10-Year Net-margin (%) Range
Min: -44.81   Max: 68.63
Current: 6.41

-44.81
68.63
ROE (%) 2.68
CZWI's ROE (%) is ranked higher than
55% of the 1794 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. CZWI: 2.68 )
CZWI' s 10-Year ROE (%) Range
Min: -13.48   Max: 6.6
Current: 2.68

-13.48
6.6
ROA (%) 0.26
CZWI's ROA (%) is ranked higher than
56% of the 1794 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. CZWI: 0.26 )
CZWI' s 10-Year ROA (%) Range
Min: -1.21   Max: 0.59
Current: 0.26

-1.21
0.59
ROC (Joel Greenblatt) (%) 51.58
CZWI's ROC (Joel Greenblatt) (%) is ranked higher than
69% of the 1768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.73 vs. CZWI: 51.58 )
CZWI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -367.82   Max: 52.94
Current: 51.58

-367.82
52.94
Revenue Growth (%) 11.80
CZWI's Revenue Growth (%) is ranked higher than
93% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. CZWI: 11.80 )
CZWI' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 28.2
Current: 11.8

0
28.2
» CZWI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

CZWI Guru Trades in Q3 2013

First Pacific Advisors 114,160 sh (unchged)
» More
Q4 2013

CZWI Guru Trades in Q4 2013

First Pacific Advisors 108,909 sh (-4.6%)
» More
Q1 2014

CZWI Guru Trades in Q1 2014

First Pacific Advisors 108,909 sh (unchged)
» More
Q2 2014

CZWI Guru Trades in Q2 2014

First Pacific Advisors 108,909 sh (unchged)
» 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%)



No Guru Trades Found!
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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 31.70
CZWI's P/E(ttm) is ranked higher than
60% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. CZWI: 31.70 )
CZWI' s 10-Year P/E(ttm) Range
Min: 24.82   Max: 599
Current: 31.7

24.82
599
P/B 0.81
CZWI's P/B is ranked higher than
86% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. CZWI: 0.81 )
CZWI' s 10-Year P/B Range
Min: 0.33   Max: 2.63
Current: 0.81

0.33
2.63
P/S 2.00
CZWI's P/S is ranked higher than
86% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. CZWI: 2.00 )
CZWI' s 10-Year P/S Range
Min: 0.89   Max: 17.29
Current: 2

0.89
17.29
EV-to-EBIT 43.50
CZWI's EV-to-EBIT is ranked higher than
61% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.86 vs. CZWI: 43.50 )
CZWI' s 10-Year EV-to-EBIT Range
Min: -906.3   Max: 5712.4
Current: 43.5

-906.3
5712.4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.45
CZWI's Dividend Yield is ranked lower than
93% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. CZWI: 0.45 )
CZWI' s 10-Year Dividend Yield Range
Min: 0.27   Max: 3.91
Current: 0.45

0.27
3.91
Dividend Payout 0.14
CZWI's Dividend Payout is ranked higher than
92% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.46 vs. CZWI: 0.14 )
CZWI' s 10-Year Dividend Payout Range
Min: 0.33   Max: 2.5
Current: 0.14

0.33
2.5
Yield on cost (5-Year) 0.50
CZWI's Yield on cost (5-Year) is ranked lower than
88% of the 1522 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. CZWI: 0.50 )
CZWI' s 10-Year Yield on cost (5-Year) Range
Min: 0.27   Max: 3.91
Current: 0.5

0.27
3.91
Share Buyback Rate -0.30
CZWI's Share Buyback Rate is ranked higher than
84% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. CZWI: -0.30 )
CZWI' s 10-Year Share Buyback Rate Range
Min: 0   Max: -30.4
Current: -0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.82
CZWI's Price/Tangible Book is ranked higher than
88% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. CZWI: 0.82 )
CZWI' s 10-Year Price/Tangible Book Range
Min: 0.38   Max: 3.09
Current: 0.82

0.38
3.09
Price/DCF (Projected) 0.66
CZWI's Price/DCF (Projected) is ranked higher than
82% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. CZWI: 0.66 )
CZWI' s 10-Year Price/DCF (Projected) Range
Min: 0.31   Max: 0.78
Current: 0.66

0.31
0.78
Price/Median PS Value 0.97
CZWI's Price/Median PS Value is ranked higher than
86% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. CZWI: 0.97 )
CZWI' s 10-Year Price/Median PS Value Range
Min: 0.43   Max: 8.33
Current: 0.97

0.43
8.33
Price/Graham Number 1.07
CZWI's Price/Graham Number is ranked higher than
71% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. CZWI: 1.07 )
CZWI' s 10-Year Price/Graham Number Range
Min: 0.67   Max: 14.09
Current: 1.07

0.67
14.09
Earnings Yield (Greenblatt) 2.30
CZWI's Earnings Yield (Greenblatt) is ranked higher than
57% of the 1739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. CZWI: 2.30 )
CZWI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.4   Max: 2721.4
Current: 2.3

0.4
2721.4
Forward Rate of Return (Yacktman) 5.74
CZWI's Forward Rate of Return (Yacktman) is ranked higher than
62% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.57 vs. CZWI: 5.74 )
CZWI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 2.4   Max: 27.5
Current: 5.74

2.4
27.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Citizens Community Bancorp, Inc., is a Maryland corporation organized in 2004. The Company is a unitary savings and loan holding company and was subject to regulation by the Office of Thrift Supervision through July 21, 2011 and has been subject to regulation by the Office of the Comptroller of the Currency and Federal Reserve Bank thereafter. The Company's main 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 26 full-service offices; seven stand-alone locations and 19 in-store branches, predominantly in Wal-Mart Supercenter stores. Through all of its branch locations, it provides a range of consumer banking products and services to customers primarily in Wisconsin, Minnesota and Michigan. It 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. A majority of the Bank's first mortgage loans also contain a payable-on-demand clause, which allows the Bank to call the loan due after a stated period, usually between two and five years from origination. It focuses its lending activities on individual consumers within its market areas. It maintain a portfolio of investments, consisting primarily of U.S. Government sponsored agency securities, bonds and other obligations issued by states and their political subdivisions and non-agency mortgage-backed securities. It attempt to balance its portfolio to manage interest rate risk, regulatory requirements, and liquidity needs while providing an appropriate rate of return commensurate with the risk of the investment. 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 than ours. The Company and the Bank are also regulated by the FDIC. The Bank is required to have certain reserves set by the Federal Reserve Board and is a member of the Federal Home Loan Bank of Chicago, which is one of the 12 regional banks in the Federal Home Loan Bank System.
» 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 

More From Other Websites
Citizens Community Bancorp (CZWI) Upgraded From Hold to Buy Oct 09 2014
CITIZENS COMMUNITY BANCORP INC. Files SEC form 8-K, Regulation FD Disclosure Oct 02 2014
CITIZENS COMMUNITY BANCORP INC. Financials Aug 19 2014
CITIZENS COMMUNITY BANCORP INC. Files SEC form 10-Q, Quarterly Report Aug 11 2014
CITIZENS COMMUNITY BANCORP INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 25 2014
Citizens Community Bancorp, Inc. Reports Fiscal Third Quarter, Nine Month 2014 Earnings, Financial... Jul 25 2014
CITIZENS COMMUNITY BANCORP INC. Files SEC form 8-K, Regulation FD Disclosure Jun 02 2014
CITIZENS COMMUNITY BANCORP INC. Files SEC form 10-Q, Quarterly Report May 12 2014
CITIZENS COMMUNITY BANCORP INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 25 2014
Citizens Community Bancorp, Inc. Reports Fiscal Second Quarter, First Half 2014 Earnings, Financial... Apr 25 2014
CITIZENS COMMUNITY BANCORP INC. Files SEC form 8-K, Submission of Matters to a Vote of Security... Mar 28 2014
CITIZENS COMMUNITY BANCORP INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements... Mar 27 2014
CITIZENS COMMUNITY BANCORP INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements... Feb 28 2014
Citizens Community Bancorp, Inc. Declares Annual Dividend Feb 28 2014
Citizens Community Bancorp, Inc. Declares Annual Dividend Feb 28 2014
CITIZENS COMMUNITY BANCORP INC. Files SEC form 10-Q/A, Quarterly Report Feb 25 2014
CITIZENS COMMUNITY BANCORP INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements... Feb 13 2014
CITIZENS COMMUNITY BANCORP INC. Files SEC form 10-Q, Quarterly Report Feb 10 2014
CITIZENS COMMUNITY BANCORP INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements... Jan 27 2014
CITIZENS COMMUNITY BANCORP INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 24 2014

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