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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 : 4/10

vs
industry
vs
history
Cash-to-Debt 0.35
CZWI's Cash-to-Debt is ranked lower than
76% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.12 vs. CZWI: 0.35 )
Ranked among companies with meaningful Cash-to-Debt only.
CZWI' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.07  Med: 0.35 Max: No Debt
Current: 0.35
0.07
No Debt
Equity-to-Asset 0.08
CZWI's Equity-to-Asset is ranked lower than
72% of the 1617 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.11 vs. CZWI: 0.08 )
Ranked among companies with meaningful Equity-to-Asset only.
CZWI' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.1 Max: 0.27
Current: 0.08
0.08
0.27
Debt-to-Equity 1.56
CZWI's Debt-to-Equity is ranked lower than
83% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. CZWI: 1.56 )
Ranked among companies with meaningful Debt-to-Equity only.
CZWI' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.21  Med: 1.09 Max: 2.16
Current: 1.56
0.21
2.16
Debt-to-EBITDA 3.55
CZWI's Debt-to-EBITDA is ranked lower than
89% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.24 vs. CZWI: 3.55 )
Ranked among companies with meaningful Debt-to-EBITDA only.
CZWI' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0 Max: 3.55
Current: 3.55
0
3.55
Beneish M-Score: -1.70
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 : 3/10

vs
industry
vs
history
Net Margin % 10.26
CZWI's Net Margin % is ranked lower than
83% of the 1630 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.23 vs. CZWI: 10.26 )
Ranked among companies with meaningful Net Margin % only.
CZWI' s Net Margin % Range Over the Past 10 Years
Min: -26.08  Med: 6.19 Max: 12.48
Current: 10.26
-26.08
12.48
ROE % 4.70
CZWI's ROE % is ranked lower than
78% of the 1631 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. CZWI: 4.70 )
Ranked among companies with meaningful ROE % only.
CZWI' s ROE % Range Over the Past 10 Years
Min: -13.48  Med: 1.97 Max: 4.73
Current: 4.7
-13.48
4.73
ROA % 0.40
CZWI's ROA % is ranked lower than
79% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CZWI: 0.40 )
Ranked among companies with meaningful ROA % only.
CZWI' s ROA % Range Over the Past 10 Years
Min: -1.21  Med: 0.25 Max: 0.49
Current: 0.4
-1.21
0.49
3-Year Revenue Growth Rate 4.10
CZWI's 3-Year Revenue Growth Rate is ranked lower than
53% of the 1453 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.40 vs. CZWI: 4.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CZWI' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: -6.6 Max: 43.3
Current: 4.1
0
43.3
3-Year EPS without NRI Growth Rate 10.60
CZWI's 3-Year EPS without NRI Growth Rate is ranked higher than
62% of the 1339 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. CZWI: 10.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CZWI' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 138.1
Current: 10.6
0
138.1
GuruFocus has detected 4 Warning Signs with Citizens Community Bancorp Inc CZWI.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CZWI's 30-Y Financials

Financials (Next Earnings Date: 2018-08-31)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q2 2017

CZWI Guru Trades in Q2 2017

Jim Simons 25,400 sh (-5.93%)
» More
Q3 2017

CZWI Guru Trades in Q3 2017

Jim Simons 21,159 sh (-16.70%)
» More
Q4 2017

CZWI Guru Trades in Q4 2017

Jim Simons 23,500 sh (+11.06%)
» More
Q1 2018

CZWI Guru Trades in Q1 2018

Jim Simons 38,300 sh (+62.98%)
» 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    NAICS: 522110    SIC: 6035
Compare:NAS:WEBK, NAS:CFBI, NAS:FBSS, OTCPK:WBBW, OTCPK:FDVA, OTCPK:FPBK, OTCPK:CBCO, NAS:SSBI, OTCPK:AFCB, NAS:EMCF, NAS:PNBK, OTCPK:COFS, OTCPK:CMTV, OTCPK:HARL, NAS:ASRV, NAS:MGYR, NAS:SVBI, NAS:AMRB, OTCBB:FETM, OTCPK:FABK » details
Headquarter Location:USA
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 bank holding company. The bank provides commercial, agricultural, residential, consumer and commercial and industrial (C&I) loans and accepts deposits from customers, primarily in Wisconsin, Minnesota, and Michigan. It offers a range of loan products, including commercial loans, agricultural loans, residential mortgages, home equity lines-of-credit, commercial and industrial (C&I) loans and consumer loans. It offers various deposit products, including demand deposits, savings accounts, money market accounts, and certificates of deposit. The company's investment portfolio consists of securities available for sale and securities held to maturity.

Ratios

vs
industry
vs
history
PE Ratio 23.89
CZWI's PE Ratio is ranked lower than
85% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.27 vs. CZWI: 23.89 )
Ranked among companies with meaningful PE Ratio only.
CZWI' s PE Ratio Range Over the Past 10 Years
Min: 15.28  Med: 30.5 Max: 855.71
Current: 23.89
15.28
855.71
PE Ratio without NRI 23.89
CZWI's PE Ratio without NRI is ranked lower than
85% of the 1499 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.29 vs. CZWI: 23.89 )
Ranked among companies with meaningful PE Ratio without NRI only.
CZWI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 15.28  Med: 30.5 Max: 855.71
Current: 23.89
15.28
855.71
Price-to-Owner-Earnings 20.74
CZWI's Price-to-Owner-Earnings is ranked lower than
53% of the 896 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.46 vs. CZWI: 20.74 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CZWI' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 8.7  Med: 19.28 Max: 270
Current: 20.74
8.7
270
PB Ratio 1.07
CZWI's PB Ratio is ranked higher than
58% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. CZWI: 1.07 )
Ranked among companies with meaningful PB Ratio only.
CZWI' s PB Ratio Range Over the Past 10 Years
Min: 0.33  Med: 0.73 Max: 1.16
Current: 1.07
0.33
1.16
PS Ratio 2.38
CZWI's PS Ratio is ranked higher than
66% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. CZWI: 2.38 )
Ranked among companies with meaningful PS Ratio only.
CZWI' s PS Ratio Range Over the Past 10 Years
Min: 0.68  Med: 2.03 Max: 6.55
Current: 2.38
0.68
6.55
Price-to-Free-Cash-Flow 11.35
CZWI's Price-to-Free-Cash-Flow is ranked higher than
57% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.66 vs. CZWI: 11.35 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CZWI' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2.05  Med: 6.62 Max: 200
Current: 11.35
2.05
200
Price-to-Operating-Cash-Flow 9.02
CZWI's Price-to-Operating-Cash-Flow is ranked higher than
57% of the 960 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.67 vs. CZWI: 9.02 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CZWI' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.02  Med: 7.04 Max: 70.97
Current: 9.02
2.02
70.97
EV-to-Revenue 4.77
CZWI's EV-to-Revenue is ranked lower than
60% of the 1276 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.24 vs. CZWI: 4.77 )
Ranked among companies with meaningful EV-to-Revenue only.
CZWI' s EV-to-Revenue Range Over the Past 10 Years
Min: -0.2  Med: 4 Max: 16.6
Current: 4.77
-0.2
16.6
Shiller PE Ratio 298.74
CZWI's Shiller PE Ratio is ranked lower than
100% of the 520 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.59 vs. CZWI: 298.74 )
Ranked among companies with meaningful Shiller PE Ratio only.
CZWI' s Shiller PE Ratio Range Over the Past 10 Years
Min: 245.67  Med: 381.5 Max: 1421
Current: 298.74
245.67
1421

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.50
CZWI's Dividend Yield % is ranked lower than
77% of the 2465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.51 vs. CZWI: 1.50 )
Ranked among companies with meaningful Dividend Yield % only.
CZWI' s Dividend Yield % Range Over the Past 10 Years
Min: 0.24  Med: 1.17 Max: 6.02
Current: 1.5
0.24
6.02
Dividend Payout Ratio 0.36
CZWI's Dividend Payout Ratio is ranked higher than
55% of the 1418 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. CZWI: 0.36 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CZWI' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.1  Med: 0.2 Max: 0.83
Current: 0.36
0.1
0.83
3-Year Dividend Growth Rate 58.70
CZWI's 3-Year Dividend Growth Rate is ranked higher than
97% of the 836 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.30 vs. CZWI: 58.70 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
CZWI' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: -100 Max: 81.7
Current: 58.7
0
81.7
Forward Dividend Yield % 1.46
CZWI's Forward Dividend Yield % is ranked lower than
83% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.75 vs. CZWI: 1.46 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.46
CZWI's 5-Year Yield-on-Cost % is ranked lower than
84% of the 2826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.25 vs. CZWI: 1.46 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CZWI' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.24  Med: 1.17 Max: 6.02
Current: 1.46
0.24
6.02
3-Year Average Share Buyback Ratio -4.40
CZWI's 3-Year Average Share Buyback Ratio is ranked higher than
62% of the 1082 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.20 vs. CZWI: -4.40 )
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: -64.8  Med: -0.3 Max: 0
Current: -4.4
-64.8
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.40
CZWI's Price-to-Tangible-Book is ranked lower than
56% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. CZWI: 1.40 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CZWI' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.38  Med: 0.81 Max: 1.98
Current: 1.4
0.38
1.98
Price-to-Intrinsic-Value-Projected-FCF 0.69
CZWI's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
61% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. CZWI: 0.69 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CZWI' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.31  Med: 0.43 Max: 0.84
Current: 0.69
0.31
0.84
Price-to-Median-PS-Value 1.20
CZWI's Price-to-Median-PS-Value is ranked lower than
61% of the 1419 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CZWI: 1.20 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CZWI' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.34  Med: 1.05 Max: 7.81
Current: 1.2
0.34
7.81
Price-to-Graham-Number 1.26
CZWI's Price-to-Graham-Number is ranked lower than
73% of the 1378 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. CZWI: 1.26 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CZWI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.71  Med: 1.11 Max: 4.24
Current: 1.26
0.71
4.24

More Statistics

Revenue (TTM) (Mil) $32.22
EPS (TTM) $ 0.56
Beta0.11
Volatility7.25%
52-Week Range $12.73 - 14.43
Shares Outstanding (Mil)5.92

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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