| Nov 25 | Feb 26 | May 26 | Aug 26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Buy | — | — | — | — | — | — | 1 | 4 | — | — | 2 | — |
| Sell | — | — | — | — | — | — | — | 2 | — | — | — | — |
| total | individual payouts | |
|---|---|---|
| 2027 | ‡‡‡‡ |
|
| 2026 | 0.42 |
—
—
—
|
| 2025 | 0.36 |
—
|
| 2024 | 0.32 |
—
|
| 2023 | 0.29 |
—
|
| 2022 | 0.26 |
—
|
| 2021 | 0.23 |
—
|
| 2020 | 0.21 |
—
|
| 2019 | 0.20 |
—
|
| 2018 | 0.20 |
—
|
| 2017 | 0.16 |
—
|
| 2016 | 0.12 |
—
|
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Cash | 37.14 | 50.17 | 118.85 | 121.76 |
| Receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Other | — | — | — | — |
| 1,486.20 | 1,405.59 | 1,447.86 | 1,485.96 |
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Payables | 1,519.09 | 1,488.15 | 1,524.10 | 1,554.42 |
| ST’ Debt | — | — | — | — |
| Other | — | — | — | — |
| 1,519.09 | 1,488.15 | 1,524.10 | 1,554.42 |
| 10y | 5y | 3y | |
| Sales | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Cash Flow | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Earnings | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Book Value | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ |
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 24.62 | 24.64 | — | — |
—
|
| ’25 | 23.70 | 25.34 | 25.28 | 24.46 |
98.77
|
| ’24 | 25.94 | 24.38 | 25.43 | 23.97 |
99.72
|
| ’23 | 21.97 | 23.69 | 24.34 | 24.51 |
94.50
|
| ’22 | 18.09 | 19.08 | 20.43 | 22.23 |
79.83
|
| ’21 | 19.80 | 19.27 | 19.62 | 21.17 |
79.86
|
| ’20 | 20.51 | 20.90 | 20.28 | 21.29 |
82.98
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 3.98 | 7.91 | — | — |
—
|
| ’25 | 1.61 | (0.41) | 6.63 | 3.86 |
11.69
|
| ’24 | 9.15 | 5.12 | 3.51 | 2.63 |
20.40
|
| ’23 | 1.82 | 2.53 | 4.82 | 3.95 |
13.12
|
| ’22 | 8.86 | 7.59 | 4.29 | 8.56 |
29.29
|
| ’21 | 13.53 | (3.26) | 7.35 | 3.98 |
21.60
|
| ’20 | 9.26 | 1.20 | 5.62 | 7.72 |
23.79
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 3.41 | 6.46 | — | — |
—
|
| ’25 | 1.55 | (0.62) | 6.20 | 3.26 |
10.38
|
| ’24 | 8.95 | 5.01 | 3.18 | 2.41 |
19.55
|
| ’23 | 1.51 | 2.31 | 4.60 | 3.36 |
11.77
|
| ’22 | 8.06 | 6.80 | 3.44 | 7.40 |
25.70
|
| ’21 | 13.08 | (3.97) | 6.19 | 2.57 |
17.86
|
| ’20 | 8.84 | 0.44 | 4.82 | 7.49 |
21.59
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 0.39 | 0.11 | — | — |
—
|
| ’25 | 0.32 | 0.33 | 0.37 | 0.44 |
1.46
|
| ’24 | 0.39 | 0.35 | 0.32 | 0.27 |
1.34
|
| ’23 | 0.35 | 0.31 | 0.24 | 0.35 |
1.25
|
| ’22 | 0.45 | 0.41 | 0.38 | 0.45 |
1.69
|
| ’21 | 0.50 | 0.44 | 0.47 | 0.58 |
1.98
|
| ’20 | 0.23 | 0.28 | 0.31 | 0.32 |
1.14
|
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | 11.35 | 7.61 | 10.14 | 12.69 | — | — | — |
Low Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 16.49 | 13.04 | 17.04 | 18.74 | — | — | — |
High Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 236 | 232 | 232 | 238 | — | — | — |
Employees
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.34 | 0.41 | 0.43 | 0.42 | — | — | — |
Revenue/Emp
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 79.83 | 94.50 | 99.72 | 98.77 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Revenue
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 83.68% | 62.01% | 56.74% | 63.10% | — | — | — |
Gross Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 23.58 | 18.93 | 17.45 | 17.44 | — | — | — |
EBT
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 29.54% | 20.03% | 17.50% | 17.66% | ‡‡‡ | ‡‡‡ | — |
EBT Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 17.76 | 13.06 | 13.75 | 14.42 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Net Income
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 4.89 | 4.40 | 3.57 | 3.37 | — | — | — |
Depreciation
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 7.60 | 9.03 | 9.72 | 9.98 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Revenue/Sh
|
| ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | 1.69 | 1.25 | 1.34 | 1.46 | ‡‡‡‡ | ‡‡‡‡ | — |
Earnings/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.79 | 1.25 | 1.99 | 1.18 | — | — | — |
Cash Flow/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.34) | (0.13) | (0.08) | (0.13) | ‡‡‡ | ‡‡‡ | — |
Capex/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.45 | 1.12 | 1.91 | 1.05 | — | — | — |
Free CF/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 15.91 | 16.56 | 17.46 | 18.99 | — | — | — |
Book Value/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 10.51 | 10.47 | 10.26 | 9.90 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Shares
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 7.01 | 9.24 | 12.25 | 12.21 | ‡‡‡‡ | ‡‡‡‡ | — |
PE Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.56 | 1.28 | 1.68 | 1.79 | ‡‡‡ | ‡‡‡ | — |
PS Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.74 | 0.70 | 0.93 | 0.94 | ‡‡‡ | ‡‡‡ | — |
PB Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 4.38 | 2.73 | 2.18 | 1.60 | ‡‡‡‡ | ‡‡‡‡ | — |
EV/Sales
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | 13.59 | 21.95 | 11.09 | 15.18 | — | — | — |
EV/FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 29.29 | 13.12 | 20.40 | 11.69 | ‡‡‡ | ‡‡‡ | — |
Op' Cash Flow
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (3.59) | (1.35) | (0.85) | (1.31) | — | — | — |
Capex
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 25.70 | 11.77 | 19.55 | 10.38 | — | — | — |
FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 10.02 | (32.89) | (82.56) | (76.24) | — | — | — |
Working Cap'
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 260.53 | 79.53 | 5.00 | — | — | — | — |
Total Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 224.92 | 42.39 | (45.17) | (118.85) | — | — | — |
Net Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 167.09 | 173.33 | 179.08 | 187.94 | — | — | — |
Sh' Equity
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.00% | 0.71% | 0.76% | 0.82% | — | — | — |
ROA
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.76% | 5.48% | 8.14% | 15.78% | — | — | — |
ROIC
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 10.51% | 7.67% | 7.80% | 7.86% | — | — | — |
ROE
|
Citizens Community Bancorp (CZWI), a regional bank in Wisconsin and Michigan, delivered explosive revenue growth from $29 million in 2016 to $99.7 million in 2024—a 244% surge driven by acquisitions and rising rates—while boosting revenue per employee 161% to $430,000 amid stable headcount. Yet, analyst forecasts signal a stark 38% revenue plunge to $62.1 million in 2025, tied to aggressive deleveraging that slashed debt 98% from 2022 peaks, alongside eroding margins (EBT down 52% to 17.5%, gross to 56.7%) and volatile profitability, with net income settling at $13.8 million and EPS at $1.34.
The balance sheet strengthened with equity up 177% to $179.1 million and net debt flipping negative, yielding ROE of 7.8% and ROIC of 8.1%, but working capital deteriorated 245%, raising liquidity flags. Valuations appear bargain-like—PE at 12.2, PS at 1.68, PB near 1.0, EV/FCF at 11.2—trading 12% below consensus targets implying 11-14% upside, bolstered by insider buys totaling $105,000 in mid-2025 with no sells.
Projections eye EPS ramping 58% to $2.12 by 2027 amid share shrinkage, but revenue fragility and recession risks cloud the outlook. Contrarians see a gritty hold rather than a moonshot, questioning if deleveraging sustains growth or masks a value trap in regional banking’s thaw—dive deeper for the full data dissection.
Keep track of companies that you follow and research.
Full access to our data with predictions and indicators that we calculate daily.
Full access to our screener with tons of custom values and customizable email notifications.
Excel export of financials and screeners you define and save.