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Citizens Community Bancorp (Citizens Community Bancorp) PB Ratio

: 0.65 (As of Today)
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The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2024-04-16), Citizens Community Bancorp's share price is $10.7514. Citizens Community Bancorp's Book Value per Share for the quarter that ended in Dec. 2023 was $16.60. Hence, Citizens Community Bancorp's PB Ratio of today is 0.65.

The historical rank and industry rank for Citizens Community Bancorp's PB Ratio or its related term are showing as below:

CZWI' s PB Ratio Range Over the Past 10 Years
Min: 0.42   Med: 0.82   Max: 1.16
Current: 0.65

During the past 13 years, Citizens Community Bancorp's highest PB Ratio was 1.16. The lowest was 0.42. And the median was 0.82.

CZWI's PB Ratio is ranked better than
70.97% of 1464 companies
in the Banks industry
Industry Median: 0.855 vs CZWI: 0.65

During the past 12 months, Citizens Community Bancorp's average Book Value Per Share Growth Rate was 3.60% per year. During the past 3 years, the average Book Value Per Share Growth Rate was 4.60% per year. During the past 5 years, the average Book Value Per Share Growth Rate was 6.20% per year. During the past 10 years, the average Book Value Per Share Growth Rate was 4.80% per year.

During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Citizens Community Bancorp was 64.00% per year. The lowest was -12.90% per year. And the median was 3.10% per year.

Back to Basics: PB Ratio


Citizens Community Bancorp PB Ratio Historical Data

The historical data trend for Citizens Community Bancorp's PB Ratio 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 Annual Data
Trend Sep14 Sep15 Sep16 Sep17 Sep18 Dec19 Dec20 Dec21 Dec22 Dec23
PB Ratio
Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.91 0.75 0.85 0.75 0.71

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
PB Ratio 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 Premium Member Only Premium Member Only Premium Member Only 0.75 0.68 0.56 0.61 0.71

Competitive Comparison

For the Banks - Regional subindustry, Citizens Community Bancorp's PB Ratio, along with its competitors' market caps and PB 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 PB Ratio Distribution

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

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



Citizens Community Bancorp PB Ratio Calculation

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.

Citizens Community Bancorp's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Dec. 2023)
=10.7514/16.602
=0.65

* 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.

It can also be calculated from the numbers for the whole company:

A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.


Citizens Community Bancorp  (NAS:CZWI) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.


Be Aware

Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.


Citizens Community Bancorp PB Ratio Related Terms

Thank you for viewing the detailed overview of Citizens Community Bancorp's PB Ratio 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