Citizens Community Bancorp (Citizens Community Bancorp) Debt-to-Equity : 0.85 (As of Dec. 2023)

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What is Citizens Community Bancorp Debt-to-Equity?

Citizens Community Bancorp's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $0.00 Mil. Citizens Community Bancorp's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $147.00 Mil. Citizens Community Bancorp's Total Stockholders Equity for the quarter that ended in Dec. 2023 was $173.33 Mil. Citizens Community Bancorp's debt to equity for the quarter that ended in Dec. 2023 was 0.85.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for Citizens Community Bancorp's Debt-to-Equity or its related term are showing as below:

CZWI' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.65 Med: 1.06 Max: 1.64
Current: 0.85

During the past 13 years, the highest Debt-to-Equity Ratio of Citizens Community Bancorp was 1.64. The lowest was 0.65. And the median was 1.06.

CZWI's Debt-to-Equity is ranked worse than
57.14% of 1393 companies
in the Banks industry
Industry Median: 0.69 vs CZWI: 0.85

Citizens Community Bancorp Debt-to-Equity Historical Data

The historical data trend for Citizens Community Bancorp's Debt-to-Equity 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 Debt-to-Equity Chart

Citizens Community Bancorp Annual Data

Trend

Sep14

Sep15

Sep16

Sep17

Sep18

Dec19

Dec20

Dec21

Dec22

Dec23

Debt-to-Equity

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1.16

1.13

1.00

1.29

0.85

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
Debt-to-Equity	Get a 7-Day Free Trial															1.29	1.52	1.15	1.10	0.85

Competitive Comparison of Citizens Community Bancorp's Debt-to-Equity

For the Banks - Regional subindustry, Citizens Community Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Citizens Community Bancorp's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where Citizens Community Bancorp's Debt-to-Equity falls into.

Citizens Community Bancorp Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

Citizens Community Bancorp's Debt to Equity Ratio for the fiscal year that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	146.995)	/	173.334
	=	0.85

Citizens Community Bancorp's Debt to Equity Ratio for the quarter that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	146.995)	/	173.334
	=	0.85

Citizens Community Bancorp (NAS:CZWI) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

Citizens Community Bancorp Debt-to-Equity Related Terms

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

Citizens Community Bancorp (Citizens Community Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Citizens Community Bancorp Inc (NAS:CZWI) » Definitions » Debt-to-Equity

Comparable Companies

Traded in Other Exchanges

N/A

Address

2174 EastRidge Center, Eau Claire, WI, USA, 54701

Website

https://www.ccf.us

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