Citizens Community Bancorp Inc
NASDAQ:CZWI

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Citizens Community Bancorp Inc Logo
Citizens Community Bancorp Inc
NASDAQ:CZWI
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Price: 16.1 USD 3.07% Market Closed
Market Cap: 161.5m USD
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Intrinsic Value

The intrinsic value of one CZWI stock under the Base Case scenario is 16.64 USD. Compared to the current market price of 16.1 USD, Citizens Community Bancorp Inc is Undervalued by 3%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

CZWI Intrinsic Value
16.64 USD
Undervaluation 3%
Intrinsic Value
Price
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Citizens Community Bancorp Inc

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

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Financials
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TTM
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TTM

Balance Sheet Decomposition
Citizens Community Bancorp Inc

Net Loans 1.4B
Investments 291.5m
PP&E 18.3m
Intangibles 36.4m
Other Assets 49.2m
Total Deposits 1.5B
Long Term Debt 61.5m
Other Liabilities 36.8m

Wall St
Price Targets

CZWI Price Targets Summary
Citizens Community Bancorp Inc

Wall Street analysts forecast CZWI stock price to drop over the next 12 months.

According to Wall Street analysts, the average 1-year price target for CZWI is 16.07 USD with a low forecast of 15.66 USD and a high forecast of 16.8 USD.

Lowest
Price Target
15.66 USD
3% Downside
Average
Price Target
16.07 USD
0% Downside
Highest
Price Target
16.8 USD
4% Upside
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Dividends

Dividend Yield
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Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
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0
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Shareholder Yield

Current shareholder yield for CZWI is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
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Average
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Buyback Yield
Lowest
Average
Highest

Ownership

CZWI Insider Trading
Buy and sell transactions by insiders

Cumulative Transactions Amount
Period Sold Bought Net
3 Months
6 Months
9 Months
12 Months
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Profile

Citizens Community Bancorp Inc Logo
Citizens Community Bancorp Inc

Country

United States of America

Industry

Banking

Market Cap

162.2m USD

Dividend Yield

1.99%

Description

Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal Bank. The company is headquartered in Eau Claire, Wisconsin and currently employs 225 full-time employees. The company went IPO on 2004-03-30. (the Bank). The Bank offers traditional community banking services to businesses, agricultural operators, and consumers, including one-to-four family residential mortgages. The company offers a range deposit product through its branches, including demand deposits, various savings and money-market accounts and certificates of deposit. The company provides variety of loan products including commercial real estate loans, commercial and industrial loans, agricultural real estate loans, agricultural operating loans, residential mortgages, home equity lines-of-credit and consumer loans. The company maintains a portfolio of investments, including mortgage-backed securities, corporate asset-backed securities, United Stated Government sponsored agency securities, corporate debt securities and trust preferred securities. Its primary sources of funds are deposits and amortization, prepayments, and maturities of outstanding loans.

Contact

WISCONSIN
Eau Claire
2174 Eastridge Center
+17158369994.0

IPO

2004-03-30

Employees

225

Officers

Chairman of the Board, President & CEO
Mr. Stephen M. Bianchi
CFO, Principal Accounting Officer, Executive VP, Treasurer & Secretary
Mr. James S. Broucek

See Also

Discover More
What is the Intrinsic Value of one CZWI stock?

The intrinsic value of one CZWI stock under the Base Case scenario is 16.64 USD.

Is CZWI stock undervalued or overvalued?

Compared to the current market price of 16.1 USD, Citizens Community Bancorp Inc is Undervalued by 3%.

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