Saturday 17 October 2026
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Citizens Community Bancorp, Inc.
CZWI Financial Banks Regional
Citizens Community Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $98.8 million, down 0.95% from fiscal 2024. In the quarter to June 2026, revenue fell 2.75%, EPS fell 66.7% and free cash flow grew 1,134.9%, each against the same quarter a year earlier. Insiders bought in the last twelve months.
21.23
0.12
+0.57%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Sep '18 | Dec '17 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
8 | 7 | 6 | 5 | 7 | 7 | — | — | — | — |
P/E ratio |
12.21 | 12.25 | 9.24 | 7.01 | 6.92 | 9.55 | 14.38 | 17.87 | 19.31 | 16.69 |
P/S ratio |
1.79 | 1.68 | 1.28 | 1.56 | 1.85 | 1.46 | 1.80 | 1.93 | 2.00 | 2.35 |
P/FCF ratio |
16.99 | 8.55 | 10.27 | 4.84 | 8.26 | 5.63 | 21.34 | 10.64 | 10.64 | 34.37 |
P/Operating CF |
45.76 | 63.65 | 30.60 | 14.54 | 37.09 | 15.76 | 21.38 | 18.10 | (9.01) | 24.89 |
P/B ratio |
0.94 | 0.93 | 0.70 | 0.74 | 0.86 | 0.76 | 0.90 | 0.86 | 1.15 | 0.92 |
Price to Tangible BV |
1.16 | 1.17 | 0.89 | 0.97 | 1.12 | 1.01 | 1.27 | 1.26 | 1.50 | 1.21 |
EV/Sales |
0.63 | 1.22 | 1.73 | 2.90 | 2.63 | 1.47 | 2.73 | 2.84 | 2.52 | 3.70 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
5.35 | 5.98 | 12.44 | 7.90 | 9.72 | 5.12 | 16.06 | 11.98 | 9.86 | 35.88 |
EV/FCF |
6.02 | 6.24 | 13.88 | 9.00 | 11.75 | 5.64 | 32.40 | 15.69 | 13.42 | 54.16 |
Quick Ratio |
0.08 | 0.03 | 0.02 | 0.03 | 0.04 | 0.10 | 0.05 | 0.05 | 0.06 | — |
Current Ratio |
0.95 | 0.94 | 0.98 | 1.01 | 0.98 | 1.04 | 1.04 | 1.04 | 1.07 | — |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
0.00% | 0.29% | 4.30% | 7.85% | 6.41% | 7.49% | 8.55% | 8.53% | 6.46% | 3.19% |
Debt/Equity |
0.00 | 0.03 | 0.46 | 0.85 | 0.65 | 0.77 | 0.87 | 0.79 | 0.46 | 0.41 |
Asset Turnover |
0.06 | 0.06 | 0.05 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.03 |
Operating CF/Net income |
0.81 | 1.48 | 1.01 | 1.65 | 1.02 | 1.87 | 1.36 | 2.65 | 2.53 | 1.57 |
Capex/Depreciation |
(0.39) | (0.24) | (0.31) | (0.73) | (0.76) | (0.30) | (1.17) | (0.76) | (0.86) | — |
| 7.86% | 7.80% | 7.67% | 10.51% | 12.83% | 8.18% | 6.55% | 4.05% | 4.10% | 3.41% | |
| 0.82% | 0.76% | 0.71% | 1.00% | 1.26% | 0.80% | 0.67% | 0.49% | 0.45% | 0.27% | |
ROIC |
15.78% | 8.14% | 5.48% | 5.38% | 7.76% | 6.71% | 3.47% | 2.71% | 2.63% | 0.00% |
Return on Tangible Assets |
(24.08%) | (21.00%) | (89.97%) | 58.20% | (169.75%) | 16.24% | 14.86% | 10.99% | 6.78% | 24.99% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
44.22% | 37.99% | 40.53% | 52.05% | 48.52% | 56.34% | 57.84% | 65.22% | 65.03% | 0.00% |
Intangible Assets out of Total Assets |
0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.03 | 0.03 | 0.02 | 0.02 |
Share Based Compensation of Revenue |
0.15% | 0.63% | 0.00% | 0.00% | 0.01% | 0.02% | 0.02% | 0.03% | 0.03% | 0.00% |
Graham Net Nets |
(0.83) | (0.98) | (1.59) | (1.72) | (1.46) | (1.12) | (1.05) | (0.88) | (0.52) | (1.22) |
Graham Number |
24.97 | 22.86 | 21.58 | 24.59 | 26.72 | 19.21 | 16.10 | 13.17 | 0.00 | 0.00 |
Earnings Yield |
8.19% | 8.16% | 10.82% | 14.27% | 14.45% | 10.47% | 6.96% | 5.60% | 5.18% | 5.99% |
Free Cash Flow Yield |
5.89% | 11.70% | 9.73% | 20.66% | 12.10% | 17.76% | 4.69% | 9.40% | 9.40% | 2.91% |
Revenue per Share |
9.98 | 9.72 | 9.03 | 7.60 | 7.45 | 7.43 | 6.78 | 5.65 | 7.78 | 4.99 |
Operating CF per Share |
1.18 | 1.99 | 1.25 | 2.79 | 2.02 | 2.13 | 1.15 | 1.34 | 1.83 | 0.73 |
Capex per Share |
(0.13) | (0.08) | (0.13) | (0.34) | (0.35) | (0.20) | (0.58) | (0.32) | (0.48) | 0.00 |
Free Cash Flow per Share |
1.05 | 1.91 | 1.12 | 2.45 | 1.67 | 1.93 | 0.57 | 1.02 | 1.34 | 0.73 |
Cash per Share |
12.01 | 4.89 | 3.55 | 3.39 | 4.59 | 11.04 | 5.45 | 4.87 | 7.01 | 0.00 |
Shareholders Equity per Share |
18.99 | 17.46 | 16.56 | 15.91 | 15.94 | 14.38 | 13.55 | 12.63 | 22.85 | 13.61 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
18.99 | 17.46 | 16.56 | 15.91 | 15.94 | 14.38 | 13.55 | 12.63 | 22.85 | 13.61 |
Free Cash Flow |
10.38 | 19.55 | 11.77 | 25.70 | 17.86 | 21.59 | 6.37 | 11.21 | 7.97 | 3.92 |
Working Capital |
(76.24) | (82.56) | (32.89) | 10.02 | (33.70) | 57.20 | 42.57 | 36.91 | 53.16 | — |
Capital Expenditures |
(1.31) | (0.85) | (1.35) | (3.59) | (3.74) | (2.19) | (6.47) | (3.47) | (2.88) | (4.11) |
Net Current Asset Value |
(145.96) | (163.85) | (191.85) | (214.56) | (214.92) | (136.07) | (142.42) | (105.31) | (39.87) | (867.00) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.01 | 0.01 | 0.04 | 0.05 | 0.03 | 0.09 | 0.06 | 0.06 | 0.00 |
Price to Operating Income |
10.11 | 9.58 | 6.39 | 5.27 | 5.10 | 7.03 | 11.06 | 14.15 | 0.00 | 0.00 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.21 | 0.21 | 0.24 | 0.24 | 0.23 | 0.34 | 0.26 | 0.34 | 0.33 | 0.00 |
Cash ROIC |
3.38% | 8.35% | 4.06% | 7.44% | 5.39% | 5.30% | 1.86% | 3.72% | 3.32% | 3.81% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.02 | 0.03 | 0.02 | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.01 | — |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — |
Average Days of Payables |
15,263.57 | 12,590.67 | 15,445.24 | 39,915.78 | 48,847.44 | 33,125.59 | 25,809.06 | 31,701.89 | 31,709.89 | — |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — |
Average Payables |
1,506.12 | 1,503.62 | 1,471.91 | 1,406.13 | 1,341.40 | 1,245.48 | 1,101.61 | 877.02 | 744.52 | — |
Average Assets |
1,765.14 | 1,799.96 | 1,833.89 | 1,778.01 | 1,694.36 | 1,590.17 | 1,409.59 | 1,131.67 | 958.20 | 940.83 |
Average Common Equity |
183.51 | 176.21 | 170.21 | 168.98 | 165.72 | 155.56 | 144.37 | 137.02 | 104.42 | 73.24 |
Columns are period end dates · fundamentals updated 28 Sep 2026