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Citizens Community Bancorp PE Ratio

: 8.03 (As of Today)
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The PE Ratio, or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). As of today (2022-01-25), Citizens Community Bancorp's share price is $13.90. Citizens Community Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Sep. 2021 was $1.73. Therefore, Citizens Community Bancorp's PE Ratio for today is 8.03.


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

NAS:CZWI' s PE Ratio Range Over the Past 10 Years
Min: 5.59   Med: 21.11   Max: 1497.5
Current: 8.04

5.59
1497.5

During the past 13 years, the highest PE Ratio of Citizens Community Bancorp was 1497.50. The lowest was 5.59. And the median was 21.11.


NAS:CZWI's PE Ratio is ranked higher than
72% of the 1380 Companies
in the Banks industry.

( Industry Median: 10.95 vs. NAS:CZWI: 8.04 )

Citizens Community Bancorp's Earnings per Share (Diluted) for the three months ended in Sep. 2021 was $0.47. Its Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Sep. 2021 was $1.73.

As of today (2022-01-25), Citizens Community Bancorp's share price is $13.90. Citizens Community Bancorp's EPS without NRI for the trailing twelve months (TTM) ended in Sep. 2021 was $1.73. Therefore, Citizens Community Bancorp's PE Ratio without NRI for today is 8.03.

During the past 13 years, Citizens Community Bancorp's highest PE Ratio without NRI was 1497.50. The lowest was 5.59. And the median was 21.11.

Citizens Community Bancorp's EPS without NRI for the three months ended in Sep. 2021 was $0.47. Its EPS without NRI for the trailing twelve months (TTM) ended in Sep. 2021 was $1.73.

During the past 12 months, Citizens Community Bancorp's average EPS without NRI Growth Rate was 34.10% per year. During the past 3 years, the average EPS without NRI Growth Rate was 35.30% per year. During the past 5 years, the average EPS without NRI Growth Rate was 17.40% per year.

During the past 13 years, Citizens Community Bancorp's highest 3-Year average EPS without NRI Growth Rate was 138.10% per year. The lowest was -45.00% per year. And the median was 15.40% per year.

Citizens Community Bancorp's EPS (Basic) for the three months ended in Sep. 2021 was $0.47. Its EPS (Basic) for the trailing twelve months (TTM) ended in Sep. 2021 was $1.73.


Citizens Community Bancorp PE Ratio Historical Data

The historical data trend for Citizens Community Bancorp's PE 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 Sep11 Sep12 Sep13 Sep14 Sep15 Sep16 Sep17 Sep18 Dec19 Dec20
PE Ratio
Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 22.82 29.70 24.14 14.38 9.55

Citizens Community Bancorp Quarterly Data
Dec16 Mar17 Jun17 Sep17 Dec17 Mar18 Jun18 Sep18 Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21
PE 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 6.26 9.55 8.80 8.71 7.95

Competitive Comparison

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

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

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



Citizens Community Bancorp PE Ratio Calculation

The PE Ratio, or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). It is the most widely used ratio in the valuation of stocks.

Citizens Community Bancorp's PE Ratio for today is calculated as

PE Ratio=Share Price/Earnings per Share (Diluted) (TTM)
=13.90/1.730
=8.03

Citizens Community Bancorp's Share Price of today is $13.90.
Citizens Community Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Sep. 2021 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.73.

* 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:


There are at least three kinds of PE Ratios used by different investors. They are Trailing Twelve Month PE Ratio or PE Ratio (TTM), Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio based on inflation-adjusted normalized PE Ratio is called Shiller PE Ratio, after Yale professor Robert Shiller.

In the calculation of PE Ratio, the earnings per share used are the earnings per share over the past 12 months. For Forward PE Ratio, the earnings are the expected earnings for the next twelve months. In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.

For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.


Citizens Community Bancorp  (NAS:CZWI) PE Ratio Explanation

The PE Ratio can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.

In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio is positive. Also for stocks with the same PE Ratio, the one with faster growth business is more attractive.

If a company loses money, the PE Ratio becomes meaningless.

To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio divided by the growth ratio. He thinks a company with a PE Ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio of 20, instead of a company growing 10% a year with a PE Ratio of 10.

Because the PE Ratio measures how long it takes to earn back the price you pay, the PE Ratio can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.

Similar to the PE Ratio without NRI or PS Ratio or Price-to-Operating-Cash-Flow or Price-to-Free-Cash-Flow , the PE Ratio measures the valuation based on the earning power of the company. This is where it is different from the PB Ratio , which measures the valuation based on the company's balance sheet.


Be Aware

Investors need to be aware that the PE Ratio can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratios are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio .

PE Ratio can also be affected by non-recurring-items such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio.


Citizens Community Bancorp PE Ratio Related Terms

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


Citizens Community Bancorp Business Description

Citizens Community Bancorp logo
Industry
Financial Services » Banks NAICS : 522110 SIC : 6035
Traded in Other Exchanges
N/A
Address
2174 EastRidge Center, Eau Claire, WI, USA, 54701
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.
Executives
Bianchi Stephen M director, officer: CEO and President 225 S. MAIN AVENUE SIOUX FALLS SD 57104
Broucek James S officer: EVP/CFO/Treasurer/Secretary PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN"> Ownership Information: BROUCEK JAMES S a.header:link {color: #3b4fae; font-weight: bold; text-decoration: underline;} a.header:visited {color: #3b4fae; font-weight: bold; text-decoration: underline;} a.header:hover {color: #191970;}
Olson Timothy L director 2727 PINE VIEW ROAD EAU CLAIRE WI 54703
Moll James D director 400 9TH AVE SW WELLS MN 56097
Mchugh Richard director C/O CITIZENS COMMUNITY BANCORP 2174 EASTRIDGE CENTER EAU CLAIRE WI 54701
Bourget Kristina M director 1703 PINE PARK DRIVE EAU CLAIRE WI 54701
Felber Francis E director 754 OAK ST BARRON WI 54812
Skarvan Kathleen other: Director of Subsidiary 40 WEST HIGHLAND PARK DR NE HUTCHINSON MN 55350
Lang James R director 2194 EASTRIDGE CENTER EAU CLAIRE WI 54701
Conner Michael R other: Director of Subsidiary 1124 CUMMINGS COURT EAU CLAIRE WI 54701
Swenson Michael L director 1414 WEST HAMILTON AVE. STE 3 EAU CLAIRE WI 54701
Johnson Rebecca officer: Vice President/Controller C/O CITIZENS COMMUNITY BANCORP 2174 EASTRIDGE CENTER EAU CLAIRE WI 54701
Schilling Brian R director C/O CITIZENS COMMUNITY BANCORP 2174 EASTRIDGE CENTER EAU CLAIRE WI 54701
Westrate David B director C/O CITIZENS COMMUNITY BANCORP 2174 EASTRIDGE CENTER EAU CLAIRE WI 54701
Nettesheim Timothy A. director C/O REINHART BOERNER VAN DEUREN S.C. N16 W23250 STONE RIDGE DRIVE, SUITE 1 WAUKESHA WI 53187

Citizens Community Bancorp Headlines

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