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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 0.73
CZWI's Cash to Debt is ranked lower than
62% of the 980 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.53 vs. CZWI: 0.73 )
Ranked among companies with meaningful Cash to Debt only.
CZWI' s 10-Year Cash to Debt Range
Min: 0.07  Med: 0.36 Max: No Debt
Current: 0.73
Equity to Asset 0.10
CZWI's Equity to Asset is ranked lower than
52% of the 1337 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 10-Year Equity to Asset Range
Min: 0.08  Med: 0.10 Max: 0.27
Current: 0.1
0.08
0.27
Interest Coverage 0.66
CZWI's Interest Coverage is ranked lower than
74% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. CZWI: 0.66 )
Ranked among companies with meaningful Interest Coverage only.
CZWI' s 10-Year Interest Coverage Range
Min: 0.04  Med: 0.18 Max: 0.66
Current: 0.66
0.04
0.66
F-Score: 6
WACC vs ROIC
3.69%
2.61%
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 (%) 16.94
CZWI's Operating margin (%) is ranked lower than
78% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.01 vs. CZWI: 16.94 )
Ranked among companies with meaningful Operating margin (%) only.
CZWI' s 10-Year Operating margin (%) Range
Min: -263.88  Med: 1.66 Max: 17.43
Current: 16.94
-263.88
17.43
Net-margin (%) 10.63
CZWI's Net-margin (%) is ranked lower than
81% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.75 vs. CZWI: 10.63 )
Ranked among companies with meaningful Net-margin (%) only.
CZWI' s 10-Year Net-margin (%) Range
Min: -44.81  Med: 7.69 Max: 68.63
Current: 10.63
-44.81
68.63
ROE (%) 4.30
CZWI's ROE (%) is ranked lower than
77% of the 1407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. CZWI: 4.30 )
Ranked among companies with meaningful ROE (%) only.
CZWI' s 10-Year ROE (%) Range
Min: -13.48  Med: 1.97 Max: 6.6
Current: 4.3
-13.48
6.6
ROA (%) 0.44
CZWI's ROA (%) is ranked lower than
74% of the 1416 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. CZWI: 0.44 )
Ranked among companies with meaningful ROA (%) only.
CZWI' s 10-Year ROA (%) Range
Min: -1.21  Med: 0.27 Max: 0.59
Current: 0.44
-1.21
0.59
ROC (Joel Greenblatt) (%) 107.59
CZWI's ROC (Joel Greenblatt) (%) is ranked higher than
60% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.67 vs. CZWI: 107.59 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
CZWI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -367.82  Med: 7.41 Max: 66.12
Current: 107.59
-367.82
66.12
Revenue Growth (3Y)(%) -1.00
CZWI's Revenue Growth (3Y)(%) is ranked lower than
66% of the 1186 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. CZWI: -1.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CZWI' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: -9.70 Max: 28.2
Current: -1
0
28.2
EBITDA Growth (3Y)(%) 31.30
CZWI's EBITDA Growth (3Y)(%) is ranked higher than
89% of the 1046 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. CZWI: 31.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CZWI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -9.15 Max: 31.3
Current: 31.3
0
31.3
EPS Growth (3Y)(%) 104.10
CZWI's EPS Growth (3Y)(%) is ranked higher than
98% of the 1055 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. CZWI: 104.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CZWI' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: -22.50 Max: 104.1
Current: 104.1
0
104.1
» CZWI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

CZWI Guru Trades in Q2 2014

First Pacific Advisors 108,909 sh (unchged)
» More
Q3 2014

CZWI Guru Trades in Q3 2014

First Pacific Advisors 108,909 sh (unchged)
» More
Q4 2014

CZWI Guru Trades in Q4 2014

First Pacific Advisors 108,909 sh (unchged)
» More
Q1 2015

CZWI Guru Trades in Q1 2015

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%)

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Ratios

vs
industry
vs
history
P/E(ttm) 19.40
CZWI's P/E(ttm) is ranked lower than
73% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. CZWI: 19.40 )
Ranked among companies with meaningful P/E(ttm) only.
CZWI' s 10-Year P/E(ttm) Range
Min: 19.15  Med: 39.75 Max: 599
Current: 19.4
19.15
599
Forward P/E 15.20
CZWI's Forward P/E is ranked lower than
78% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.18 vs. CZWI: 15.20 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 19.40
CZWI's PE(NRI) is ranked lower than
73% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. CZWI: 19.40 )
Ranked among companies with meaningful PE(NRI) only.
CZWI' s 10-Year PE(NRI) Range
Min: 19.15  Med: 39.78 Max: 599
Current: 19.4
19.15
599
P/B 0.80
CZWI's P/B is ranked higher than
73% of the 1359 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CZWI: 0.80 )
Ranked among companies with meaningful P/B only.
CZWI' s 10-Year P/B Range
Min: 0.33  Med: 0.72 Max: 2.63
Current: 0.8
0.33
2.63
P/S 2.03
CZWI's P/S is ranked higher than
74% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. CZWI: 2.03 )
Ranked among companies with meaningful P/S only.
CZWI' s 10-Year P/S Range
Min: 0.89  Med: 2.03 Max: 10.64
Current: 2.03
0.89
10.64
POCF 5.99
CZWI's POCF is ranked higher than
66% of the 923 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.67 vs. CZWI: 5.99 )
Ranked among companies with meaningful POCF only.
CZWI' s 10-Year POCF Range
Min: 2.04  Med: 6.12 Max: 110
Current: 5.99
2.04
110
EV-to-EBIT 15.53
CZWI's EV-to-EBIT is ranked lower than
57% of the 1271 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.91 vs. CZWI: 15.53 )
Ranked among companies with meaningful EV-to-EBIT only.
CZWI' s 10-Year EV-to-EBIT Range
Min: -906.3  Med: 43.20 Max: 5712.4
Current: 15.53
-906.3
5712.4
Days Sales Outstanding 21.99
CZWI's Days Sales Outstanding is ranked higher than
76% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.80 vs. CZWI: 21.99 )
Ranked among companies with meaningful Days Sales Outstanding only.
CZWI' s 10-Year Days Sales Outstanding Range
Min: 21  Med: 29.06 Max: 83.37
Current: 21.99
21
83.37

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.88
CZWI's Dividend Yield is ranked lower than
90% of the 2216 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. CZWI: 0.88 )
Ranked among companies with meaningful Dividend Yield only.
CZWI' s 10-Year Dividend Yield Range
Min: 0.24  Med: 1.11 Max: 4.52
Current: 0.88
0.24
4.52
Dividend Payout 0.17
CZWI's Dividend Payout is ranked higher than
81% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CZWI: 0.17 )
Ranked among companies with meaningful Dividend Payout only.
CZWI' s 10-Year Dividend Payout Range
Min: 0.33  Med: 0.80 Max: 2.5
Current: 0.17
0.33
2.5
Yield on cost (5-Year) 0.88
CZWI's Yield on cost (5-Year) is ranked lower than
89% of the 2229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. CZWI: 0.88 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CZWI' s 10-Year Yield on cost (5-Year) Range
Min: 0.24  Med: 1.11 Max: 4.52
Current: 0.88
0.24
4.52
Share Buyback Rate -0.50
CZWI's Share Buyback Rate is ranked higher than
65% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. CZWI: -0.50 )
Ranked among companies with meaningful Share Buyback Rate only.
CZWI' s 10-Year Share Buyback Rate Range
Min: 0  Med: 3.90 Max: -30.4
Current: -0.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.81
CZWI's Price/Tangible Book is ranked higher than
75% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. CZWI: 0.81 )
Ranked among companies with meaningful Price/Tangible Book only.
CZWI' s 10-Year Price/Tangible Book Range
Min: 0.38  Med: 0.75 Max: 3.09
Current: 0.81
0.38
3.09
Price/Projected FCF 0.64
CZWI's Price/Projected FCF is ranked higher than
54% of the 749 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. CZWI: 0.64 )
Ranked among companies with meaningful Price/Projected FCF only.
CZWI' s 10-Year Price/Projected FCF Range
Min: 0.31  Med: 0.51 Max: 0.78
Current: 0.64
0.31
0.78
Price/Median PS Value 0.99
CZWI's Price/Median PS Value is ranked higher than
67% of the 1195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. CZWI: 0.99 )
Ranked among companies with meaningful Price/Median PS Value only.
CZWI' s 10-Year Price/Median PS Value Range
Min: 0.43  Med: 1.03 Max: 8.39
Current: 0.99
0.43
8.39
Price/Graham Number 0.83
CZWI's Price/Graham Number is ranked higher than
52% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. CZWI: 0.83 )
Ranked among companies with meaningful Price/Graham Number only.
CZWI' s 10-Year Price/Graham Number Range
Min: 0.67  Med: 1.90 Max: 14.09
Current: 0.83
0.67
14.09
Earnings Yield (Greenblatt) (%) 6.40
CZWI's Earnings Yield (Greenblatt) (%) is ranked lower than
52% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. CZWI: 6.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CZWI' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.4  Med: 2.00 Max: 2721.4
Current: 6.4
0.4
2721.4
Forward Rate of Return (Yacktman) (%) 1.65
CZWI's Forward Rate of Return (Yacktman) (%) is ranked lower than
74% of the 764 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.55 vs. CZWI: 1.65 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CZWI' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 2.4  Med: 8.10 Max: 13.6
Current: 1.65
2.4
13.6

Analyst Estimate

Sep15
EPS($) 0.56
EPS without NRI($) 0.56

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 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 26 full-service offices, seven stand-alone locations and 19 in-store branches, predominantly in Wal-Mart Supercenter stores. 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. 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. 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 INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 24 2015
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10-Q for Citizens Community Bancorp, Inc. (Wisconsin) May 14 2015
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CITIZENS COMMUNITY BANCORP INC. Files SEC form 8-K, Submission of Matters to a Vote of Security... Mar 27 2015
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Citizens Community Bancorp, Inc. Declares Annual Dividend Mar 09 2015
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Citizens Community Bancorp, Inc. Declares Annual Dividend Mar 02 2015
CITIZENS COMMUNITY BANCORP INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements... Feb 11 2015
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