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Citizens Community Bancorp (Citizens Community Bancorp) E10 : $1.09 (As of Dec. 2023)


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What is Citizens Community Bancorp E10?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Citizens Community Bancorp's adjusted earnings per share data for the three months ended in Dec. 2023 was $0.350. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $1.09 for the trailing ten years ended in Dec. 2023.

During the past 12 months, Citizens Community Bancorp's average E10 Growth Rate was 13.50% per year. During the past 3 years, the average E10 Growth Rate was 28.00% per year. During the past 5 years, the average E10 Growth Rate was 73.60% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Citizens Community Bancorp was 196.20% per year. The lowest was 28.00% per year. And the median was 98.25% per year.

As of today (2024-04-29), Citizens Community Bancorp's current stock price is $10.39. Citizens Community Bancorp's E10 for the quarter that ended in Dec. 2023 was $1.09. Citizens Community Bancorp's Shiller PE Ratio of today is 9.53.

During the past 13 years, the highest Shiller PE Ratio of Citizens Community Bancorp was 844.00. The lowest was 7.92. And the median was 41.00.


Citizens Community Bancorp E10 Historical Data

The historical data trend for Citizens Community Bancorp's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Citizens Community Bancorp E10 Chart

Citizens Community Bancorp Annual Data
Trend Sep14 Sep15 Sep16 Sep17 Sep18 Dec19 Dec20 Dec21 Dec22 Dec23
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.22 0.52 0.76 0.96 1.09

Citizens Community Bancorp Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.96 1.00 1.04 1.07 1.09

Competitive Comparison of Citizens Community Bancorp's E10

For the Banks - Regional subindustry, Citizens Community Bancorp's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Citizens Community Bancorp's Shiller PE Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Citizens Community Bancorp's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Citizens Community Bancorp's Shiller PE Ratio falls into.



Citizens Community Bancorp E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Citizens Community Bancorp's adjusted earnings per share data for the three months ended in Dec. 2023 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Dec. 2023 (Change)*Current CPI (Dec. 2023)
=0.35/129.4194*129.4194
=0.350

Current CPI (Dec. 2023) = 129.4194.

Citizens Community Bancorp Quarterly Data

per share eps CPI Adj_EPS
201403 0.060 99.695 0.078
201406 0.110 100.560 0.142
201409 0.110 100.428 0.142
201412 0.140 99.070 0.183
201503 0.110 99.621 0.143
201506 0.120 100.684 0.154
201509 0.130 100.392 0.168
201512 0.160 99.792 0.208
201603 0.130 100.470 0.167
201606 0.160 101.688 0.204
201609 0.120 101.861 0.152
201612 0.180 101.863 0.229
201703 0.170 102.862 0.214
201706 0.200 103.349 0.250
201709 -0.080 104.136 -0.099
201712 0.230 104.011 0.286
201803 0.230 105.290 0.283
201806 0.080 106.317 0.097
201809 0.100 106.507 0.122
201812 0.120 105.998 0.147
201903 0.090 107.251 0.109
201906 0.370 108.070 0.443
201909 0.110 108.329 0.131
201912 0.280 108.420 0.334
202003 0.230 108.902 0.273
202006 0.280 108.767 0.333
202009 0.310 109.815 0.365
202012 0.320 109.897 0.377
202103 0.500 111.754 0.579
202106 0.440 114.631 0.497
202109 0.470 115.734 0.526
202112 0.580 117.630 0.638
202203 0.450 121.301 0.480
202206 0.410 125.017 0.424
202209 0.380 125.227 0.393
202212 0.450 125.222 0.465
202303 0.350 127.348 0.356
202306 0.310 128.729 0.312
202309 0.240 129.860 0.239
202312 0.350 129.419 0.350

Add all the adjusted EPS together and divide 10 will get our e10.


Citizens Community Bancorp  (NAS:CZWI) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Citizens Community Bancorp's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=10.39/1.09
=9.53

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Shiller P/E Ratio of Citizens Community Bancorp was 844.00. The lowest was 7.92. And the median was 41.00.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Citizens Community Bancorp E10 Related Terms

Thank you for viewing the detailed overview of Citizens Community Bancorp's E10 provided by GuruFocus.com. Please click on the following links to see related term pages.


Citizens Community Bancorp (Citizens Community Bancorp) Business Description

Traded in Other Exchanges
N/A
Address
2174 EastRidge Center, Eau Claire, WI, USA, 54701
Citizens Community Bancorp Inc is a bank holding company that offers traditional community banking services to businesses, Agricultural operators, and consumers, including one-to-four-family residential mortgages. it also offers a variety of loan products including commercial real estate loans, commercial and industrial (C&I) loans, agricultural real estate loans, agricultural operating loans, residential mortgages, home equity lines-of-credit, and consumer loans and offers deposit products through its branches, including demand deposits, various savings and money-market accounts and certificates of deposit. The company's sources of funds are deposits; amortization, prepayments, and maturities of outstanding loans; other short- term investments; and funds provided from operations.
Executives
Stephen M Bianchi officer: CEO and President 225 S. MAIN AVENUE, SIOUX FALLS SD 57104
Kristina M Bourget director 1703 PINE PARK DRIVE, EAU CLAIRE WI 54701
Kathleen Skarvan other: Director of Subsidiary 40 WEST HIGHLAND PARK DR NE, HUTCHINSON MN 55350
James S Broucek officer: Chief Financial Officer
Timothy L Olson director 2727 PINE VIEW ROAD, EAU CLAIRE WI 54703
James D Moll director 400 9TH AVE SW, WELLS MN 56097
Francis E Felber director 754 OAK ST, BARRON WI 54812
William Glen Bertrand other: Director of Subsidiary E3420 N PINECREEK ROAD, ELEVA WI 54738
Richard Mchugh director, other: Chairman C/O CITIZENS COMMUNITY BANCORP, 2174 EASTRIDGE CENTER, EAU CLAIRE WI 54701
Nicholas William Amundsen other: Director of Subsidiary S4443 RYGG ROAD, EAU CLAIRE WI 54701
Martin S. Friedman 10 percent owner 7901 JONES BRANCH DR. SUITE 210, MCLEAN VA 22102
James R Lang director 2194 EASTRIDGE CENTER, EAU CLAIRE WI 54701
Michael R Conner other: Director of Subsidiary 1124 CUMMINGS COURT, EAU CLAIRE WI 54701
Brian R Schilling director C/O CITIZENS COMMUNITY BANCORP, 2174 EASTRIDGE CENTER, EAU CLAIRE WI 54701
Michael L Swenson director 1414 WEST HAMILTON AVE., STE 3, EAU CLAIRE WI 54701