Citizens Community Bancorp（CZWI）株式概要はシチズンズ・コミュニティ・フェデラルN.A.の銀行持株会社として運営されている。 詳細CZWI ファンダメンタル分析スノーフレーク・スコア評価3/6将来の成長3/6過去の実績3/6財務の健全性6/6配当金4/6報酬当社が推定した公正価値より21.5%で取引されている 収益は年間20.29%増加すると予測されています 2.06%の安定した配当金を支払う リスク分析過去3か月間に大規模なインサイダー売却が発生 すべてのリスクチェックを見るCZWI Community Fair Values Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.Your Fair ValueUS$Current PriceUS$20.4124.5% 割安 内在価値ディスカウントGrowth estimate overAnnual revenue growth rate5 Yearstime period%/yrDecreaseIncreasePastFuture0102m2016201920222025202620282031Revenue US$101.9mEarnings US$24.9mAdvancedSet Fair ValueView all narrativesCitizens Community Bancorp, Inc. 競合他社FB BancorpSymbol: NasdaqCM:FBLAMarket cap: US$206.3mOP BancorpSymbol: NasdaqGM:OPBKMarket cap: US$211.2mNational BanksharesSymbol: NasdaqCM:NKSHMarket cap: US$226.2mEagle Financial ServicesSymbol: NasdaqCM:EFSIMarket cap: US$210.2m価格と性能株価の高値、安値、推移の概要Citizens Community Bancorp過去の株価現在の株価US$20.4152週高値US$22.6252週安値US$12.83ベータ0.551ヶ月の変化-0.58%3ヶ月変化10.86%1年変化39.13%3年間の変化138.43%5年間の変化51.07%IPOからの変化215.25%最新ニュースBoard Change • May 20Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 1 experienced director. 6 highly experienced directors. Independent Director Michael Conner was the last director to join the board, commencing their role in 2023. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.分析記事 • May 01Citizens Community Bancorp, Inc. Just Recorded A 8.3% EPS Beat: Here's What Analysts Are Forecasting NextA week ago, Citizens Community Bancorp, Inc. ( NASDAQ:CZWI ) came out with a strong set of quarterly numbers that could...お知らせ • May 01Citizens Community Bancorp, Inc., Annual General Meeting, Jun 16, 2026Citizens Community Bancorp, Inc., Annual General Meeting, Jun 16, 2026. Location: holiday inn eau claire south, 4751 owen ayres ct, eau claire, wisconsin 54701., United Statesお知らせ • Jan 27Citizens Community Bancorp, Inc. Proposes Quarterly Dividend, Payable on February 20, 2026On January 22, 2026, the Board of Directors of Citizens Community Bancorp, Inc. approved a quarterly dividend of $0.105 per share. The quarterly dividend, subject to future Board approvals, is intended to replace the Company’s former annual dividend. The dividend will be payable on February 20, 2026, to shareholders of record on February 6, 2026.お知らせ • Jul 30Citizens Community Bancorp, Inc. Reports Net Charge-Offs for the Second Quarter Ended June 30, 2025Citizens Community Bancorp, Inc. reported net charge-offs for the second quarter ended June 30, 2025. For the quarter, the company reported net charge-offs of $16,000.お知らせ • Apr 30Citizens Community Bancorp, Inc., Annual General Meeting, Jun 17, 2025Citizens Community Bancorp, Inc., Annual General Meeting, Jun 17, 2025. Location: 4751 owen ayres ct, eau claire, wisconsin 54701, United States最新情報をもっと見るRecent updatesBoard Change • May 20Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 1 experienced director. 6 highly experienced directors. Independent Director Michael Conner was the last director to join the board, commencing their role in 2023. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.分析記事 • May 01Citizens Community Bancorp, Inc. Just Recorded A 8.3% EPS Beat: Here's What Analysts Are Forecasting NextA week ago, Citizens Community Bancorp, Inc. ( NASDAQ:CZWI ) came out with a strong set of quarterly numbers that could...お知らせ • May 01Citizens Community Bancorp, Inc., Annual General Meeting, Jun 16, 2026Citizens Community Bancorp, Inc., Annual General Meeting, Jun 16, 2026. Location: holiday inn eau claire south, 4751 owen ayres ct, eau claire, wisconsin 54701., United Statesお知らせ • Jan 27Citizens Community Bancorp, Inc. Proposes Quarterly Dividend, Payable on February 20, 2026On January 22, 2026, the Board of Directors of Citizens Community Bancorp, Inc. approved a quarterly dividend of $0.105 per share. The quarterly dividend, subject to future Board approvals, is intended to replace the Company’s former annual dividend. The dividend will be payable on February 20, 2026, to shareholders of record on February 6, 2026.お知らせ • Jul 30Citizens Community Bancorp, Inc. Reports Net Charge-Offs for the Second Quarter Ended June 30, 2025Citizens Community Bancorp, Inc. reported net charge-offs for the second quarter ended June 30, 2025. For the quarter, the company reported net charge-offs of $16,000.お知らせ • Apr 30Citizens Community Bancorp, Inc., Annual General Meeting, Jun 17, 2025Citizens Community Bancorp, Inc., Annual General Meeting, Jun 17, 2025. Location: 4751 owen ayres ct, eau claire, wisconsin 54701, United Statesお知らせ • Jan 27Citizens Community Bancorp, Inc. Declares Annual Dividend, Payable on February 21, 2025Citizens Community Bancorp, Inc. declared a $0.36 per share annual dividend, an increase of 12.5%, to shareholders of record as of February 7, 2025, and payable February 21, 2025.分析記事 • Jun 13Shareholders May Be Wary Of Increasing Citizens Community Bancorp, Inc.'s (NASDAQ:CZWI) CEO Compensation PackageKey Insights Citizens Community Bancorp's Annual General Meeting to take place on 18th of June Salary of US$382.0k is...Seeking Alpha • May 16Citizens Community: An Undervalued Dividend Growth StockSummary Citizens Community Bancorp provides banking services in Wisconsin and Minnesota. The dividend yield is low, but the record depicts fast growth, and the payout ratio is low enough for the bank to continue raising the dividend at the same pace. The shares are also severely undervalued, and there is a wide margin of safety present here. Read the full article on Seeking AlphaNew Risk • May 06New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 2.5% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. This is currently the only risk that has been identified for the company.分析記事 • May 02Citizens Community Bancorp, Inc. Just Beat Analyst Forecasts, And Analysts Have Been Updating Their PredictionsCitizens Community Bancorp, Inc. ( NASDAQ:CZWI ) defied analyst predictions to release its first-quarter results, which...Reported Earnings • Apr 30First quarter 2024 earnings released: EPS: US$0.39 (vs US$0.35 in 1Q 2023)First quarter 2024 results: EPS: US$0.39 (up from US$0.35 in 1Q 2023). Revenue: US$16.0m (up 6.2% from 1Q 2023). Net income: US$4.09m (up 12% from 1Q 2023). Profit margin: 26% (up from 24% in 1Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to stay flat during the next 2 years compared to a 5.7% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 9% per year whereas the company’s share price has fallen by 6% per year.Price Target Changed • Feb 11Price target increased by 15% to US$13.75Up from US$12.00, the current price target is an average from 2 analysts. New target price is 18% above last closing price of US$11.62. Stock is down 9.9% over the past year. The company is forecast to post earnings per share of US$1.26 for next year compared to US$1.25 last year.分析記事 • Feb 01Citizens Community Bancorp (NASDAQ:CZWI) Will Pay A Larger Dividend Than Last Year At $0.32Citizens Community Bancorp, Inc.'s ( NASDAQ:CZWI ) dividend will be increasing from last year's payment of the same...Declared Dividend • Feb 01Dividend increased to US$0.32Dividend of US$0.32 is 10% higher than last year. Ex-date: 8th February 2024 Payment date: 23rd February 2024 Dividend yield will be 2.6%, which is lower than the industry average of 3.1%. Sustainability & Growth Dividend is well covered by earnings (23% payout ratio) and is expected to be well covered in 3 years' time (23% forecast payout ratio). The dividend has increased by an average of 32% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 20% over the next 2 years, which should provide support to the dividend and adequate earnings cover.Reported Earnings • Jan 30Full year 2023 earnings: EPS exceeds analyst expectationsFull year 2023 results: EPS: US$1.25 (down from US$1.69 in FY 2022). Revenue: US$59.1m (down 9.6% from FY 2022). Net income: US$13.1m (down 27% from FY 2022). Profit margin: 22% (down from 27% in FY 2022). The decrease in margin was driven by lower revenue. Net interest margin (NIM): 2.81% (down from 3.39% in FY 2022). Non-performing loans: 0.93% (up from 0.81% in FY 2022). Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 8.2%. Revenue is forecast to grow 5.5% p.a. on average during the next 2 years, compared to a 5.6% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 2% per year but the company’s share price has increased by 4% per year, which means it is well ahead of earnings.お知らせ • Jan 30Citizens Community Bancorp, Inc. Declares Annual Cash Dividend, Payable on February 23, 2024Citizens Community Bancorp, Inc. declared an annual cash dividend of $0.32 per share to shareholders of record as of February 9, 2024, payable on February 23, 2024.Price Target Changed • Dec 29Price target increased by 9.1% to US$12.00Up from US$11.00, the current price target is an average from 2 analysts. New target price is approximately in line with last closing price of US$11.69. Stock is down 0.3% over the past year. The company is forecast to post earnings per share of US$1.16 for next year compared to US$1.69 last year.Valuation Update With 7 Day Price Move • Nov 13Investor sentiment improves as stock rises 18%After last week's 18% share price gain to US$10.64, the stock trades at a forward P/E ratio of 10x. Average forward P/E is 9x in the Banks industry in the US. Total returns to shareholders of 32% over the past three years.Reported Earnings • Oct 26Third quarter 2023 earnings: Revenues exceed analysts expectations while EPS lags behindThird quarter 2023 results: EPS: US$0.24 (down from US$0.38 in 3Q 2022). Revenue: US$15.0m (down 9.3% from 3Q 2022). Net income: US$2.50m (down 37% from 3Q 2022). Profit margin: 17% (down from 24% in 3Q 2022). Revenue exceeded analyst estimates by 3.4%. Earnings per share (EPS) missed analyst estimates by 9.4%. Revenue is expected to decline by 3.7% p.a. on average during the next 2 years, while revenues in the Banks industry in the US are expected to grow by 4.3%. Over the last 3 years on average, earnings per share has increased by 6% per year whereas the company’s share price has increased by 5% per year.Reported Earnings • Jul 25Second quarter 2023 earnings: EPS and revenues exceed analyst expectationsSecond quarter 2023 results: EPS: US$0.31 (down from US$0.41 in 2Q 2022). Revenue: US$14.1m (down 13% from 2Q 2022). Net income: US$3.21m (down 27% from 2Q 2022). Profit margin: 23% (down from 27% in 2Q 2022). The decrease in margin was driven by lower revenue. Revenue exceeded analyst estimates by 2.8%. Earnings per share (EPS) also surpassed analyst estimates by 13%. Revenue is expected to decline by 3.7% p.a. on average during the next 2 years, while revenues in the Banks industry in the US are expected to grow by 4.4%. Over the last 3 years on average, earnings per share has increased by 15% per year whereas the company’s share price has increased by 14% per year.Valuation Update With 7 Day Price Move • May 09Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to US$8.41, the stock trades at a forward P/E ratio of 7x. Average forward P/E is 8x in the Banks industry in the US. Total returns to shareholders of 17% over the past three years.Price Target Changed • May 04Price target decreased by 12% to US$11.67Down from US$13.33, the current price target is an average from 3 analysts. New target price is 33% above last closing price of US$8.76. Stock is down 32% over the past year. The company is forecast to post earnings per share of US$1.18 for next year compared to US$1.69 last year.Price Target Changed • Apr 06Price target decreased by 8.0% to US$13.33Down from US$14.50, the current price target is an average from 3 analysts. New target price is 25% above last closing price of US$10.65. Stock is down 28% over the past year. The company is forecast to post earnings per share of US$1.50 for next year compared to US$1.69 last year.Reported Earnings • Mar 10Full year 2022 earnings: EPS and revenues exceed analyst expectationsFull year 2022 results: EPS: US$1.69 (down from US$1.98 in FY 2021). Revenue: US$65.3m (down 6.0% from FY 2021). Net income: US$17.8m (down 17% from FY 2021). Profit margin: 27% (down from 31% in FY 2021). The decrease in margin was driven by lower revenue. Revenue exceeded analyst estimates by 1.1%. Earnings per share (EPS) also surpassed analyst estimates by 2.6%. Revenue is forecast to grow 1.8% p.a. on average during the next 2 years, compared to a 6.5% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 10% per year, which means it is significantly lagging earnings growth.分析記事 • Jan 27Citizens Community Bancorp (NASDAQ:CZWI) Is Increasing Its Dividend To $0.29Citizens Community Bancorp, Inc. ( NASDAQ:CZWI ) will increase its dividend from last year's comparable payment on the...Reported Earnings • Jan 25Full year 2022 earnings: EPS and revenues exceed analyst expectationsFull year 2022 results: EPS: US$1.69 (down from US$1.98 in FY 2021). Revenue: US$65.3m (down 6.0% from FY 2021). Net income: US$17.8m (down 17% from FY 2021). Profit margin: 27% (down from 31% in FY 2021). The decrease in margin was driven by lower revenue. Revenue exceeded analyst estimates by 1.1%. Earnings per share (EPS) also surpassed analyst estimates by 2.6%. Revenue is forecast to grow 1.7% p.a. on average during the next 2 years, compared to a 6.4% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 2% per year, which means it is significantly lagging earnings growth.お知らせ • Jan 24Citizens Community Bancorp, Inc. Declares Annual Dividend for the Fiscal Year Ended December 31, 2022, Payable February 17, 2023On January 19, 2023, the Board of Directors of Citizens Community Bancorp, Inc. declared a $0.29 per share annual dividend for the fiscal year ended December 31, 2022, an increase of 12%, to shareholders of record as of February 3, 2023 and payable February 17, 2023.Board Change • Nov 16Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 5 experienced directors. 2 highly experienced directors. Independent Director Kathleen Skarvan was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Reported Earnings • Oct 26Third quarter 2022 earnings released: EPS: US$0.38 (vs US$0.47 in 3Q 2021)Third quarter 2022 results: EPS: US$0.38 (down from US$0.47 in 3Q 2021). Revenue: US$16.6m (down 3.4% from 3Q 2021). Net income: US$3.99m (down 20% from 3Q 2021). Profit margin: 24% (down from 29% in 3Q 2021). The decrease in margin was primarily driven by higher expenses. Revenue is forecast to grow 2.0% p.a. on average during the next 3 years, compared to a 6.5% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 33% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.Major Estimate Revision • Aug 01Consensus EPS estimates increase by 11%The consensus outlook for earnings per share (EPS) in 2022 has improved. 2022 revenue forecast increased from US$63.0m to US$64.9m. EPS estimate increased from US$1.43 to US$1.59 per share. Net income forecast to shrink 21% next year vs 9.8% growth forecast for Banks industry in the US . Consensus price target broadly unchanged at US$15.33. Share price was steady at US$13.01 over the past week.Reported Earnings • Jul 27Second quarter 2022 earnings: EPS and revenues exceed analyst expectationsSecond quarter 2022 results: EPS: US$0.41 (down from US$0.44 in 2Q 2021). Revenue: US$16.2m (down 2.3% from 2Q 2021). Net income: US$4.37m (down 7.2% from 2Q 2021). Profit margin: 27% (down from 28% in 2Q 2021). Revenue exceeded analyst estimates by 7.0%. Earnings per share (EPS) also surpassed analyst estimates by 23%. Over the next year, revenue is expected to shrink by 23% compared to a 15% growth forecast for the industry in the US. Over the last 3 years on average, earnings per share has increased by 40% per year but the company’s share price has only increased by 6% per year, which means it is significantly lagging earnings growth.お知らせ • Jul 27Citizens Community Bancorp, Inc. Reports Net Charge Offs for the Second Quarter Ended June 30, 2022Citizens Community Bancorp, Inc. reported net charge offs for the second quarter ended June 30, 2022. For the quarter ended June 30, 2022, the Bank had net charge offs of $393,000, the majority of which had a specific reserve at March 31, 2022 and did not impact the allowance for loan loss provision.Seeking Alpha • Jul 25Citizens Community Bancorp GAAP EPS of $0.41, revenue of $16.17MCitizens Community Bancorp press release (NASDAQ:CZWI): Q2 GAAP EPS of $0.41. Revenue of $16.17M.Price Target Changed • May 07Price target decreased to US$15.50Down from US$16.67, the current price target is an average from 3 analysts. New target price is 19% above last closing price of US$13.03. Stock is down 0.5% over the past year. The company is forecast to post earnings per share of US$1.44 for next year compared to US$1.98 last year.Board Change • Apr 27Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 5 experienced directors. 3 highly experienced directors. Outside Independent Director Timothy Olson was the last director to join the board, commencing their role in 2018. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Reported Earnings • Mar 06Full year 2021 earnings: EPS and revenues exceed analyst expectationsFull year 2021 results: EPS: US$1.98. Revenue: US$69.5m (up 14% from FY 2020). Net income: US$21.3m (up 67% from FY 2020). Profit margin: 31% (up from 21% in FY 2020). Net interest margin (NIM): 3.34% (down from 3.40% in FY 2020). Non-performing loans: 0.90% (down from 0.91% in FY 2020). Revenue exceeded analyst estimates by 4.4%. Earnings per share (EPS) also surpassed analyst estimates by 11%. Over the next year, revenue is expected to shrink by 7.7% compared to a 6.0% growth forecast for the banks industry in the US. Over the last 3 years on average, earnings per share has increased by 43% per year but the company’s share price has only increased by 9% per year, which means it is significantly lagging earnings growth.Buying Opportunity • Mar 01Now 20% undervaluedOver the last 90 days, the stock is up 15%. The fair value is estimated to be US$19.61, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 17% per annum over the last 3 years. Earnings per share has grown by 42% per annum over the last 3 years.Upcoming Dividend • Feb 04Upcoming dividend of US$0.26 per shareEligible shareholders must have bought the stock before 11 February 2022. Payment date: 28 February 2022. Payout ratio is a comfortable 12% but the company is not cash flow positive. Trailing yield: 1.5%. Lower than top quartile of American dividend payers (3.6%). Lower than average of industry peers (2.3%).Price Target Changed • Feb 03Price target increased to US$15.83Up from US$14.67, the current price target is an average from 2 analysts. New target price is approximately in line with last closing price of US$15.13. Stock is up 35% over the past year. The company is forecast to post earnings per share of US$1.40 for next year compared to US$1.98 last year.分析記事 • Feb 03Citizens Community Bancorp (NASDAQ:CZWI) Is Increasing Its Dividend To US$0.26Citizens Community Bancorp, Inc. ( NASDAQ:CZWI ) will increase its dividend on the 28th of February to US$0.26, which...Reported Earnings • Feb 02Full year 2021 earnings: EPS and revenues exceed analyst expectationsFull year 2021 results: EPS: US$1.98 (up from US$1.14 in FY 2020). Revenue: US$69.5m (up 14% from FY 2020). Net income: US$21.3m (up 67% from FY 2020). Profit margin: 31% (up from 21% in FY 2020). Revenue exceeded analyst estimates by 4.4%. Earnings per share (EPS) also surpassed analyst estimates by 11%. Over the next year, revenue is expected to shrink by 7.7% compared to a 4.6% growth forecast for the banks industry in the US. Over the last 3 years on average, earnings per share has increased by 42% per year but the company’s share price has only increased by 8% per year, which means it is significantly lagging earnings growth.お知らせ • Feb 01Citizens Community Bancorp, Inc Declares Annual Cash Dividend, Payable on February 28, 2022On January 27, 2022, the Board of Directors of Citizens Community Bancorp, Inc. approved a 13% increase in the annual cash dividend to $0.26 per share. The dividend will be payable on February 28, 2022 to the shareholders of record on February 14, 2022.Board Change • Nov 02Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 6 experienced directors. 2 highly experienced directors. Outside Lead Independent Director Richard McHugh was the last director to join the board, commencing their role in 2018. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Reported Earnings • Oct 26Third quarter 2021 earnings released: EPS US$0.47 (vs US$0.31 in 3Q 2020)The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: US$17.1m (up 11% from 3Q 2020). Net income: US$5.00m (up 44% from 3Q 2020). Profit margin: 29% (up from 23% in 3Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 37% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.Major Estimate Revision • Jul 28Consensus EPS estimates increase to US$1.75The consensus outlook for earnings per share (EPS) in 2021 has improved. 2021 revenue forecast increased from US$64.5m to US$66.4m. EPS estimate increased from US$1.52 to US$1.75 per share. Net income forecast to grow 14% next year vs 1.6% growth forecast for Banks industry in the US. Consensus price target up from US$14.67 to US$15.00. Share price was steady at US$13.58 over the past week.Reported Earnings • Jul 27Second quarter 2021 earnings released: EPS US$0.44 (vs US$0.28 in 2Q 2020)The company reported a strong second quarter result with improved earnings, revenues and profit margins. Second quarter 2021 results: Revenue: US$16.6m (up 7.7% from 2Q 2020). Net income: US$4.71m (up 53% from 2Q 2020). Profit margin: 28% (up from 20% in 2Q 2020). The increase in margin was primarily driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 36% per year but the company’s share price has fallen by 1% per year, which means it is significantly lagging earnings.Price Target Changed • Jun 29Price target increased to US$14.67Up from US$13.67, the current price target is an average from 3 analysts. New target price is 7.4% above last closing price of US$13.65. Stock is up 96% over the past year.Reported Earnings • Apr 30First quarter 2021 earnings released: EPS US$0.50 (vs US$0.23 in 1Q 2020)The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: US$16.9m (up 19% from 1Q 2020). Net income: US$5.51m (up 111% from 1Q 2020). Profit margin: 33% (up from 18% in 1Q 2020). The increase in margin was primarily driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 32% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.Price Target Changed • Apr 08Price target increased to US$13.67Up from US$12.67, the current price target is an average from 3 analysts. New target price is approximately in line with last closing price of US$13.16. Stock is up 114% over the past year.分析記事 • Mar 31Does Citizens Community Bancorp (NASDAQ:CZWI) Deserve A Spot On Your Watchlist?Some have more dollars than sense, they say, so even companies that have no revenue, no profit, and a record of falling...Analyst Estimate Surprise Post Earnings • Mar 11Revenue and earnings beat expectationsRevenue exceeded analyst estimates by 2.8%. Earnings per share (EPS) also surpassed analyst estimates by 3.3%. Over the next year, revenue is forecast to grow 9.1%, compared to a 18% growth forecast for the Banks industry in the US.分析記事 • Mar 05If You Had Bought Citizens Community Bancorp (NASDAQ:CZWI) Stock Five Years Ago, You Could Pocket A 25% Gain TodayWhen you buy and hold a stock for the long term, you definitely want it to provide a positive return. Furthermore...Is New 90 Day High Low • Mar 02New 90-day high: US$11.54The company is up 23% from its price of US$9.36 on 01 December 2020. The American market is up 7.0% over the last 90 days, indicating the company outperformed over that time. However, it underperformed the Banks industry, which is up 26% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is US$7.38 per share.Is New 90 Day High Low • Feb 06New 90-day high: US$11.34The company is up 48% from its price of US$7.67 on 06 November 2020. The American market is up 15% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 36% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is US$7.44 per share.分析記事 • Feb 05Why You Might Be Interested In Citizens Community Bancorp, Inc. (NASDAQ:CZWI) For Its Upcoming DividendIt looks like Citizens Community Bancorp, Inc. ( NASDAQ:CZWI ) is about to go ex-dividend in the next 4 days...Major Estimate Revision • Feb 04Analysts increase EPS estimates to US$1.29The 2021 consensus revenue estimate increased from US$62.6m to US$66.5m. The earnings per share estimate also received an upgrade from US$1.06 to US$1.29 for the same period. Net income is expected to grow by 11% next year compared to 15% growth forecast for the Banks industry in the US. The consensus price target increased from US$10.83 to US$12.17. Share price is up 4.2% to US$11.20 over the past week.Price Target Changed • Feb 03Price target raised to US$12.17Up from US$10.83, the current price target is an average from 3 analysts. The new target price is 10% above the current share price of US$11.04. As of last close, the stock is down 6.9% over the past year.Reported Earnings • Jan 31Full year 2020 earnings released: EPS US$1.14 (vs US$0.85 in FY 2019)The company reported a strong full year result with improved earnings, revenues and profit margins. Full year 2020 results: Revenue: US$61.0m (up 16% from FY 2019). Net income: US$12.7m (up 35% from FY 2019). Profit margin: 21% (up from 18% in FY 2019). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 28% per year but the company’s share price has fallen by 7% per year, which means it is significantly lagging earnings.Analyst Estimate Surprise Post Earnings • Jan 31Revenue and earnings beat expectationsRevenue exceeded analyst estimates by 2.8%. Earnings per share (EPS) also surpassed analyst estimates by 3.3%. Over the next year, revenue is forecast to grow 3.3%, compared to a 17% growth forecast for the Banks industry in the US.分析記事 • Jan 30Results: Citizens Community Bancorp, Inc. Exceeded Expectations And The Consensus Has Updated Its EstimatesCitizens Community Bancorp, Inc. ( NASDAQ:CZWI ) just released its quarterly report and things are looking bullish. The...分析記事 • Jan 24Why Dividend Hunters Love Citizens Community Bancorp, Inc. (NASDAQ:CZWI)Dividend paying stocks like Citizens Community Bancorp, Inc. ( NASDAQ:CZWI ) tend to be popular with investors, and for...Is New 90 Day High Low • Jan 14New 90-day high: US$11.18The company is up 56% from its price of US$7.15 on 15 October 2020. The American market is up 12% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 40% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is US$2.46 per share.分析記事 • Dec 20What Is The Ownership Structure Like For Citizens Community Bancorp, Inc. (NASDAQ:CZWI)?The big shareholder groups in Citizens Community Bancorp, Inc. ( NASDAQ:CZWI ) have power over the company. Generally...Is New 90 Day High Low • Dec 10New 90-day high: US$10.19The company is up 51% from its price of US$6.75 on 10 September 2020. The American market is up 13% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 24% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is US$1.75 per share.Price Target Changed • Dec 05Price target raised to US$9.83Up from US$8.83, the current price target is an average from 3 analysts. The new target price is close to the current share price of US$9.86. As of last close, the stock is down 19% over the past year.分析記事 • Nov 24A Look At Citizens Community Bancorp's (NASDAQ:CZWI) Share Price ReturnsIt is doubtless a positive to see that the Citizens Community Bancorp, Inc. (NASDAQ:CZWI) share price has gained some...Is New 90 Day High Low • Nov 10New 90-day high: US$8.25The company is up 18% from its price of US$6.99 on 12 August 2020. The American market is up 7.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 9.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is US$1.75 per share.Analyst Estimate Surprise Post Earnings • Oct 29Third-quarter earnings released: Revenue and earnings beat expectationsThird-quarter revenue exceeded analyst estimates by 6.1% at US$16.8m. Earnings per share (EPS) also surpassed analyst estimates by 63% at US$0.31. Revenue is forecast to grow 11% over the next year, compared to a 18% growth forecast for the Banks industry in the US.Reported Earnings • Oct 29Third quarter earnings releasedOver the last 12 months the company has reported total profits of US$12.3m, up 63% from the prior year. Total revenue was US$57.0m over the last 12 months, up 8.8% from the prior year.Is New 90 Day High Low • Oct 23New 90-day high: US$7.35The company is up 4.0% from its price of US$7.04 on 24 July 2020. The American market is up 8.0% over the last 90 days, indicating the company underperformed over that time. However, it outperformed the Banks industry, which is flat over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is US$1.56 per share.Is New 90 Day High Low • Oct 07New 90-day high: US$7.20The company is up 6.0% from its price of US$6.77 on 09 July 2020. The American market is up 7.0% over the last 90 days, indicating the company underperformed over that time. However, its price trend is similar to the Banks industry, which is also up 6.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is US$1.60 per share.お知らせ • Aug 28Citizens Community Bancorp, Inc. announced that it has received $15 million in fundingCitizens Community Bancorp, Inc. (NasdaqGM:CZWI) announced that it has entered into subordinated note purchase agreement with certain accredited purchasers for the gross proceeds of $15,000,000 on August 27, 2020. The notes will mature on September 1, 2030 and carry interest rate of 6.00% from the date of issuance of the notes until, but excluding, September 1, 2025, the interest rate will be reset quarterly to equal the three-month term Secured Overnight Financing Rate, plus 591 basis points. Interest on the Notes will be payable semi-annually in arrears on March 1 and September 1 of each year during the Fixed Interest Period, and quarterly in arrears on March 1, June 1, September 1 and December 1 of each year during the Floating Interest Period. The notes are expected to qualify as Tier 2 capital for regulatory capital purposes, subject to applicable limitations. The notes may not be redeemed by the company prior to the fifth anniversary of the effective date of the Notes, with certain limited exceptions.お知らせ • Jul 31+ 1 more updateCitizens Community Bancorp, Inc. (NasdaqGM:CZWI) acquired a SBA Payment Protection Program loan portfolio.Citizens Community Bancorp, Inc. (NasdaqGM:CZWI) acquired a SBA Payment Protection Program loan portfolio during three months ended June 30, 2020. The acquired portfolio has a face value of $33 million. In a related transaction, Unknown buyer acquired Wells Insurance Agency, Inc. from Citizens Community Bancorp, Inc. Citizens Community Bancorp, Inc. (NasdaqGM:CZWI) completed the acquisition of a SBA Payment Protection Program loan portfolio during three months ended June 30, 2020.株主還元CZWIUS BanksUS 市場7D-0.8%3.2%1.0%1Y39.1%22.4%28.7%株主還元を見る業界別リターン: CZWI過去 1 年間で22.4 % の収益を上げたUS Banks業界を上回りました。リターン対市場: CZWI過去 1 年間で28.7 % の収益を上げたUS市場を上回りました。価格変動Is CZWI's price volatile compared to industry and market?CZWI volatilityCZWI Average Weekly Movement2.8%Banks Industry Average Movement3.5%Market Average Movement7.2%10% most volatile stocks in US Market16.4%10% least volatile stocks in US Market3.1%安定した株価: CZWI 、 US市場と比較して、過去 3 か月間で大きな価格変動はありませんでした。時間の経過による変動: CZWIの 週次ボラティリティ ( 3% ) は過去 1 年間安定しています。会社概要設立従業員CEO（最高経営責任者ウェブサイト1938228Steve, Steven Bianchiccf.usは、シチズンズ・コミュニティ・フェデラルN.A. の銀行持株会社として、米国、ウィスコンシン州、ミネソタ州、および国際的な企業、農業経営者、消費者に様々な伝統的コミュニティ・バンキング・サービスを提供している。要求払い預金、貯蓄預金、マネー・マーケット口座、譲渡性預金など様々な預金商品を提供している。また、商業用不動産、商工ローン、農業用不動産、農業用営業ローン、消費者ローン、1～4世帯住宅ローン、ホーム・エクイティ・ライン・オブ・クレジットなど、様々なローン商品を提供している。また、住宅ローン担保証券、資産担保証券、米国政府系機関債、企業債などの投資ポートフォリオを保有している。は1938 年に設立され、ウィスコンシン州オークレアに本拠を置く。もっと見るCitizens Community Bancorp, Inc. 基礎のまとめCitizens Community Bancorp の収益と売上を時価総額と比較するとどうか。CZWI 基礎統計学時価総額US$196.84m収益（TTM）US$14.98m売上高(TTM)US$61.30m13.1xPER（株価収益率1.0xPBR（株価純資産倍率CZWI は割高か？公正価値と評価分析を参照収益と収入最新の決算報告書（TTM）に基づく主な収益性統計CZWI 損益計算書（TTM）収益US$61.30m売上原価US$0売上総利益US$61.30mその他の費用US$46.32m収益US$14.98m直近の収益報告Mar 31, 2026次回決算日該当なし一株当たり利益（EPS）1.55グロス・マージン100.00%純利益率24.43%有利子負債／自己資本比率27.2%CZWI の長期的なパフォーマンスは？過去の実績と比較を見る配当金2.1%現在の配当利回り7%配当性向CZWI 配当は確実ですか？CZWI 配当履歴とベンチマークを見るCZWI 、いつまでに購入すれば配当金を受け取れますか？Citizens Community Bancorp 配当日配当落ち日May 08 2026配当支払日May 22 2026配当落ちまでの日数16 days配当支払日までの日数2 daysCZWI 配当は確実ですか？CZWI 配当履歴とベンチマークを見るView Valuation企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/05/22 20:39終値2026/05/22 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋Citizens Community Bancorp, Inc. 2 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。3 アナリスト機関Brian MartinBrean Capital Historical (Janney Montgomery)Brendan NosalHovde Group, LLCNathan RacePiper Sandler Companies
Board Change • May 20Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 1 experienced director. 6 highly experienced directors. Independent Director Michael Conner was the last director to join the board, commencing their role in 2023. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
分析記事 • May 01Citizens Community Bancorp, Inc. Just Recorded A 8.3% EPS Beat: Here's What Analysts Are Forecasting NextA week ago, Citizens Community Bancorp, Inc. ( NASDAQ:CZWI ) came out with a strong set of quarterly numbers that could...
お知らせ • May 01Citizens Community Bancorp, Inc., Annual General Meeting, Jun 16, 2026Citizens Community Bancorp, Inc., Annual General Meeting, Jun 16, 2026. Location: holiday inn eau claire south, 4751 owen ayres ct, eau claire, wisconsin 54701., United States
お知らせ • Jan 27Citizens Community Bancorp, Inc. Proposes Quarterly Dividend, Payable on February 20, 2026On January 22, 2026, the Board of Directors of Citizens Community Bancorp, Inc. approved a quarterly dividend of $0.105 per share. The quarterly dividend, subject to future Board approvals, is intended to replace the Company’s former annual dividend. The dividend will be payable on February 20, 2026, to shareholders of record on February 6, 2026.
お知らせ • Jul 30Citizens Community Bancorp, Inc. Reports Net Charge-Offs for the Second Quarter Ended June 30, 2025Citizens Community Bancorp, Inc. reported net charge-offs for the second quarter ended June 30, 2025. For the quarter, the company reported net charge-offs of $16,000.
お知らせ • Apr 30Citizens Community Bancorp, Inc., Annual General Meeting, Jun 17, 2025Citizens Community Bancorp, Inc., Annual General Meeting, Jun 17, 2025. Location: 4751 owen ayres ct, eau claire, wisconsin 54701, United States
Board Change • May 20Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 1 experienced director. 6 highly experienced directors. Independent Director Michael Conner was the last director to join the board, commencing their role in 2023. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
分析記事 • May 01Citizens Community Bancorp, Inc. Just Recorded A 8.3% EPS Beat: Here's What Analysts Are Forecasting NextA week ago, Citizens Community Bancorp, Inc. ( NASDAQ:CZWI ) came out with a strong set of quarterly numbers that could...
お知らせ • May 01Citizens Community Bancorp, Inc., Annual General Meeting, Jun 16, 2026Citizens Community Bancorp, Inc., Annual General Meeting, Jun 16, 2026. Location: holiday inn eau claire south, 4751 owen ayres ct, eau claire, wisconsin 54701., United States
お知らせ • Jan 27Citizens Community Bancorp, Inc. Proposes Quarterly Dividend, Payable on February 20, 2026On January 22, 2026, the Board of Directors of Citizens Community Bancorp, Inc. approved a quarterly dividend of $0.105 per share. The quarterly dividend, subject to future Board approvals, is intended to replace the Company’s former annual dividend. The dividend will be payable on February 20, 2026, to shareholders of record on February 6, 2026.
お知らせ • Jul 30Citizens Community Bancorp, Inc. Reports Net Charge-Offs for the Second Quarter Ended June 30, 2025Citizens Community Bancorp, Inc. reported net charge-offs for the second quarter ended June 30, 2025. For the quarter, the company reported net charge-offs of $16,000.
お知らせ • Apr 30Citizens Community Bancorp, Inc., Annual General Meeting, Jun 17, 2025Citizens Community Bancorp, Inc., Annual General Meeting, Jun 17, 2025. Location: 4751 owen ayres ct, eau claire, wisconsin 54701, United States
お知らせ • Jan 27Citizens Community Bancorp, Inc. Declares Annual Dividend, Payable on February 21, 2025Citizens Community Bancorp, Inc. declared a $0.36 per share annual dividend, an increase of 12.5%, to shareholders of record as of February 7, 2025, and payable February 21, 2025.
分析記事 • Jun 13Shareholders May Be Wary Of Increasing Citizens Community Bancorp, Inc.'s (NASDAQ:CZWI) CEO Compensation PackageKey Insights Citizens Community Bancorp's Annual General Meeting to take place on 18th of June Salary of US$382.0k is...
Seeking Alpha • May 16Citizens Community: An Undervalued Dividend Growth StockSummary Citizens Community Bancorp provides banking services in Wisconsin and Minnesota. The dividend yield is low, but the record depicts fast growth, and the payout ratio is low enough for the bank to continue raising the dividend at the same pace. The shares are also severely undervalued, and there is a wide margin of safety present here. Read the full article on Seeking Alpha
New Risk • May 06New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 2.5% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. This is currently the only risk that has been identified for the company.
分析記事 • May 02Citizens Community Bancorp, Inc. Just Beat Analyst Forecasts, And Analysts Have Been Updating Their PredictionsCitizens Community Bancorp, Inc. ( NASDAQ:CZWI ) defied analyst predictions to release its first-quarter results, which...
Reported Earnings • Apr 30First quarter 2024 earnings released: EPS: US$0.39 (vs US$0.35 in 1Q 2023)First quarter 2024 results: EPS: US$0.39 (up from US$0.35 in 1Q 2023). Revenue: US$16.0m (up 6.2% from 1Q 2023). Net income: US$4.09m (up 12% from 1Q 2023). Profit margin: 26% (up from 24% in 1Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to stay flat during the next 2 years compared to a 5.7% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 9% per year whereas the company’s share price has fallen by 6% per year.
Price Target Changed • Feb 11Price target increased by 15% to US$13.75Up from US$12.00, the current price target is an average from 2 analysts. New target price is 18% above last closing price of US$11.62. Stock is down 9.9% over the past year. The company is forecast to post earnings per share of US$1.26 for next year compared to US$1.25 last year.
分析記事 • Feb 01Citizens Community Bancorp (NASDAQ:CZWI) Will Pay A Larger Dividend Than Last Year At $0.32Citizens Community Bancorp, Inc.'s ( NASDAQ:CZWI ) dividend will be increasing from last year's payment of the same...
Declared Dividend • Feb 01Dividend increased to US$0.32Dividend of US$0.32 is 10% higher than last year. Ex-date: 8th February 2024 Payment date: 23rd February 2024 Dividend yield will be 2.6%, which is lower than the industry average of 3.1%. Sustainability & Growth Dividend is well covered by earnings (23% payout ratio) and is expected to be well covered in 3 years' time (23% forecast payout ratio). The dividend has increased by an average of 32% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 20% over the next 2 years, which should provide support to the dividend and adequate earnings cover.
Reported Earnings • Jan 30Full year 2023 earnings: EPS exceeds analyst expectationsFull year 2023 results: EPS: US$1.25 (down from US$1.69 in FY 2022). Revenue: US$59.1m (down 9.6% from FY 2022). Net income: US$13.1m (down 27% from FY 2022). Profit margin: 22% (down from 27% in FY 2022). The decrease in margin was driven by lower revenue. Net interest margin (NIM): 2.81% (down from 3.39% in FY 2022). Non-performing loans: 0.93% (up from 0.81% in FY 2022). Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 8.2%. Revenue is forecast to grow 5.5% p.a. on average during the next 2 years, compared to a 5.6% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 2% per year but the company’s share price has increased by 4% per year, which means it is well ahead of earnings.
お知らせ • Jan 30Citizens Community Bancorp, Inc. Declares Annual Cash Dividend, Payable on February 23, 2024Citizens Community Bancorp, Inc. declared an annual cash dividend of $0.32 per share to shareholders of record as of February 9, 2024, payable on February 23, 2024.
Price Target Changed • Dec 29Price target increased by 9.1% to US$12.00Up from US$11.00, the current price target is an average from 2 analysts. New target price is approximately in line with last closing price of US$11.69. Stock is down 0.3% over the past year. The company is forecast to post earnings per share of US$1.16 for next year compared to US$1.69 last year.
Valuation Update With 7 Day Price Move • Nov 13Investor sentiment improves as stock rises 18%After last week's 18% share price gain to US$10.64, the stock trades at a forward P/E ratio of 10x. Average forward P/E is 9x in the Banks industry in the US. Total returns to shareholders of 32% over the past three years.
Reported Earnings • Oct 26Third quarter 2023 earnings: Revenues exceed analysts expectations while EPS lags behindThird quarter 2023 results: EPS: US$0.24 (down from US$0.38 in 3Q 2022). Revenue: US$15.0m (down 9.3% from 3Q 2022). Net income: US$2.50m (down 37% from 3Q 2022). Profit margin: 17% (down from 24% in 3Q 2022). Revenue exceeded analyst estimates by 3.4%. Earnings per share (EPS) missed analyst estimates by 9.4%. Revenue is expected to decline by 3.7% p.a. on average during the next 2 years, while revenues in the Banks industry in the US are expected to grow by 4.3%. Over the last 3 years on average, earnings per share has increased by 6% per year whereas the company’s share price has increased by 5% per year.
Reported Earnings • Jul 25Second quarter 2023 earnings: EPS and revenues exceed analyst expectationsSecond quarter 2023 results: EPS: US$0.31 (down from US$0.41 in 2Q 2022). Revenue: US$14.1m (down 13% from 2Q 2022). Net income: US$3.21m (down 27% from 2Q 2022). Profit margin: 23% (down from 27% in 2Q 2022). The decrease in margin was driven by lower revenue. Revenue exceeded analyst estimates by 2.8%. Earnings per share (EPS) also surpassed analyst estimates by 13%. Revenue is expected to decline by 3.7% p.a. on average during the next 2 years, while revenues in the Banks industry in the US are expected to grow by 4.4%. Over the last 3 years on average, earnings per share has increased by 15% per year whereas the company’s share price has increased by 14% per year.
Valuation Update With 7 Day Price Move • May 09Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to US$8.41, the stock trades at a forward P/E ratio of 7x. Average forward P/E is 8x in the Banks industry in the US. Total returns to shareholders of 17% over the past three years.
Price Target Changed • May 04Price target decreased by 12% to US$11.67Down from US$13.33, the current price target is an average from 3 analysts. New target price is 33% above last closing price of US$8.76. Stock is down 32% over the past year. The company is forecast to post earnings per share of US$1.18 for next year compared to US$1.69 last year.
Price Target Changed • Apr 06Price target decreased by 8.0% to US$13.33Down from US$14.50, the current price target is an average from 3 analysts. New target price is 25% above last closing price of US$10.65. Stock is down 28% over the past year. The company is forecast to post earnings per share of US$1.50 for next year compared to US$1.69 last year.
Reported Earnings • Mar 10Full year 2022 earnings: EPS and revenues exceed analyst expectationsFull year 2022 results: EPS: US$1.69 (down from US$1.98 in FY 2021). Revenue: US$65.3m (down 6.0% from FY 2021). Net income: US$17.8m (down 17% from FY 2021). Profit margin: 27% (down from 31% in FY 2021). The decrease in margin was driven by lower revenue. Revenue exceeded analyst estimates by 1.1%. Earnings per share (EPS) also surpassed analyst estimates by 2.6%. Revenue is forecast to grow 1.8% p.a. on average during the next 2 years, compared to a 6.5% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 10% per year, which means it is significantly lagging earnings growth.
分析記事 • Jan 27Citizens Community Bancorp (NASDAQ:CZWI) Is Increasing Its Dividend To $0.29Citizens Community Bancorp, Inc. ( NASDAQ:CZWI ) will increase its dividend from last year's comparable payment on the...
Reported Earnings • Jan 25Full year 2022 earnings: EPS and revenues exceed analyst expectationsFull year 2022 results: EPS: US$1.69 (down from US$1.98 in FY 2021). Revenue: US$65.3m (down 6.0% from FY 2021). Net income: US$17.8m (down 17% from FY 2021). Profit margin: 27% (down from 31% in FY 2021). The decrease in margin was driven by lower revenue. Revenue exceeded analyst estimates by 1.1%. Earnings per share (EPS) also surpassed analyst estimates by 2.6%. Revenue is forecast to grow 1.7% p.a. on average during the next 2 years, compared to a 6.4% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 2% per year, which means it is significantly lagging earnings growth.
お知らせ • Jan 24Citizens Community Bancorp, Inc. Declares Annual Dividend for the Fiscal Year Ended December 31, 2022, Payable February 17, 2023On January 19, 2023, the Board of Directors of Citizens Community Bancorp, Inc. declared a $0.29 per share annual dividend for the fiscal year ended December 31, 2022, an increase of 12%, to shareholders of record as of February 3, 2023 and payable February 17, 2023.
Board Change • Nov 16Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 5 experienced directors. 2 highly experienced directors. Independent Director Kathleen Skarvan was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Reported Earnings • Oct 26Third quarter 2022 earnings released: EPS: US$0.38 (vs US$0.47 in 3Q 2021)Third quarter 2022 results: EPS: US$0.38 (down from US$0.47 in 3Q 2021). Revenue: US$16.6m (down 3.4% from 3Q 2021). Net income: US$3.99m (down 20% from 3Q 2021). Profit margin: 24% (down from 29% in 3Q 2021). The decrease in margin was primarily driven by higher expenses. Revenue is forecast to grow 2.0% p.a. on average during the next 3 years, compared to a 6.5% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 33% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.
Major Estimate Revision • Aug 01Consensus EPS estimates increase by 11%The consensus outlook for earnings per share (EPS) in 2022 has improved. 2022 revenue forecast increased from US$63.0m to US$64.9m. EPS estimate increased from US$1.43 to US$1.59 per share. Net income forecast to shrink 21% next year vs 9.8% growth forecast for Banks industry in the US . Consensus price target broadly unchanged at US$15.33. Share price was steady at US$13.01 over the past week.
Reported Earnings • Jul 27Second quarter 2022 earnings: EPS and revenues exceed analyst expectationsSecond quarter 2022 results: EPS: US$0.41 (down from US$0.44 in 2Q 2021). Revenue: US$16.2m (down 2.3% from 2Q 2021). Net income: US$4.37m (down 7.2% from 2Q 2021). Profit margin: 27% (down from 28% in 2Q 2021). Revenue exceeded analyst estimates by 7.0%. Earnings per share (EPS) also surpassed analyst estimates by 23%. Over the next year, revenue is expected to shrink by 23% compared to a 15% growth forecast for the industry in the US. Over the last 3 years on average, earnings per share has increased by 40% per year but the company’s share price has only increased by 6% per year, which means it is significantly lagging earnings growth.
お知らせ • Jul 27Citizens Community Bancorp, Inc. Reports Net Charge Offs for the Second Quarter Ended June 30, 2022Citizens Community Bancorp, Inc. reported net charge offs for the second quarter ended June 30, 2022. For the quarter ended June 30, 2022, the Bank had net charge offs of $393,000, the majority of which had a specific reserve at March 31, 2022 and did not impact the allowance for loan loss provision.
Seeking Alpha • Jul 25Citizens Community Bancorp GAAP EPS of $0.41, revenue of $16.17MCitizens Community Bancorp press release (NASDAQ:CZWI): Q2 GAAP EPS of $0.41. Revenue of $16.17M.
Price Target Changed • May 07Price target decreased to US$15.50Down from US$16.67, the current price target is an average from 3 analysts. New target price is 19% above last closing price of US$13.03. Stock is down 0.5% over the past year. The company is forecast to post earnings per share of US$1.44 for next year compared to US$1.98 last year.
Board Change • Apr 27Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 5 experienced directors. 3 highly experienced directors. Outside Independent Director Timothy Olson was the last director to join the board, commencing their role in 2018. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Reported Earnings • Mar 06Full year 2021 earnings: EPS and revenues exceed analyst expectationsFull year 2021 results: EPS: US$1.98. Revenue: US$69.5m (up 14% from FY 2020). Net income: US$21.3m (up 67% from FY 2020). Profit margin: 31% (up from 21% in FY 2020). Net interest margin (NIM): 3.34% (down from 3.40% in FY 2020). Non-performing loans: 0.90% (down from 0.91% in FY 2020). Revenue exceeded analyst estimates by 4.4%. Earnings per share (EPS) also surpassed analyst estimates by 11%. Over the next year, revenue is expected to shrink by 7.7% compared to a 6.0% growth forecast for the banks industry in the US. Over the last 3 years on average, earnings per share has increased by 43% per year but the company’s share price has only increased by 9% per year, which means it is significantly lagging earnings growth.
Buying Opportunity • Mar 01Now 20% undervaluedOver the last 90 days, the stock is up 15%. The fair value is estimated to be US$19.61, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 17% per annum over the last 3 years. Earnings per share has grown by 42% per annum over the last 3 years.
Upcoming Dividend • Feb 04Upcoming dividend of US$0.26 per shareEligible shareholders must have bought the stock before 11 February 2022. Payment date: 28 February 2022. Payout ratio is a comfortable 12% but the company is not cash flow positive. Trailing yield: 1.5%. Lower than top quartile of American dividend payers (3.6%). Lower than average of industry peers (2.3%).
Price Target Changed • Feb 03Price target increased to US$15.83Up from US$14.67, the current price target is an average from 2 analysts. New target price is approximately in line with last closing price of US$15.13. Stock is up 35% over the past year. The company is forecast to post earnings per share of US$1.40 for next year compared to US$1.98 last year.
分析記事 • Feb 03Citizens Community Bancorp (NASDAQ:CZWI) Is Increasing Its Dividend To US$0.26Citizens Community Bancorp, Inc. ( NASDAQ:CZWI ) will increase its dividend on the 28th of February to US$0.26, which...
Reported Earnings • Feb 02Full year 2021 earnings: EPS and revenues exceed analyst expectationsFull year 2021 results: EPS: US$1.98 (up from US$1.14 in FY 2020). Revenue: US$69.5m (up 14% from FY 2020). Net income: US$21.3m (up 67% from FY 2020). Profit margin: 31% (up from 21% in FY 2020). Revenue exceeded analyst estimates by 4.4%. Earnings per share (EPS) also surpassed analyst estimates by 11%. Over the next year, revenue is expected to shrink by 7.7% compared to a 4.6% growth forecast for the banks industry in the US. Over the last 3 years on average, earnings per share has increased by 42% per year but the company’s share price has only increased by 8% per year, which means it is significantly lagging earnings growth.
お知らせ • Feb 01Citizens Community Bancorp, Inc Declares Annual Cash Dividend, Payable on February 28, 2022On January 27, 2022, the Board of Directors of Citizens Community Bancorp, Inc. approved a 13% increase in the annual cash dividend to $0.26 per share. The dividend will be payable on February 28, 2022 to the shareholders of record on February 14, 2022.
Board Change • Nov 02Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 6 experienced directors. 2 highly experienced directors. Outside Lead Independent Director Richard McHugh was the last director to join the board, commencing their role in 2018. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Reported Earnings • Oct 26Third quarter 2021 earnings released: EPS US$0.47 (vs US$0.31 in 3Q 2020)The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: US$17.1m (up 11% from 3Q 2020). Net income: US$5.00m (up 44% from 3Q 2020). Profit margin: 29% (up from 23% in 3Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 37% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.
Major Estimate Revision • Jul 28Consensus EPS estimates increase to US$1.75The consensus outlook for earnings per share (EPS) in 2021 has improved. 2021 revenue forecast increased from US$64.5m to US$66.4m. EPS estimate increased from US$1.52 to US$1.75 per share. Net income forecast to grow 14% next year vs 1.6% growth forecast for Banks industry in the US. Consensus price target up from US$14.67 to US$15.00. Share price was steady at US$13.58 over the past week.
Reported Earnings • Jul 27Second quarter 2021 earnings released: EPS US$0.44 (vs US$0.28 in 2Q 2020)The company reported a strong second quarter result with improved earnings, revenues and profit margins. Second quarter 2021 results: Revenue: US$16.6m (up 7.7% from 2Q 2020). Net income: US$4.71m (up 53% from 2Q 2020). Profit margin: 28% (up from 20% in 2Q 2020). The increase in margin was primarily driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 36% per year but the company’s share price has fallen by 1% per year, which means it is significantly lagging earnings.
Price Target Changed • Jun 29Price target increased to US$14.67Up from US$13.67, the current price target is an average from 3 analysts. New target price is 7.4% above last closing price of US$13.65. Stock is up 96% over the past year.
Reported Earnings • Apr 30First quarter 2021 earnings released: EPS US$0.50 (vs US$0.23 in 1Q 2020)The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: US$16.9m (up 19% from 1Q 2020). Net income: US$5.51m (up 111% from 1Q 2020). Profit margin: 33% (up from 18% in 1Q 2020). The increase in margin was primarily driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 32% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.
Price Target Changed • Apr 08Price target increased to US$13.67Up from US$12.67, the current price target is an average from 3 analysts. New target price is approximately in line with last closing price of US$13.16. Stock is up 114% over the past year.
分析記事 • Mar 31Does Citizens Community Bancorp (NASDAQ:CZWI) Deserve A Spot On Your Watchlist?Some have more dollars than sense, they say, so even companies that have no revenue, no profit, and a record of falling...
Analyst Estimate Surprise Post Earnings • Mar 11Revenue and earnings beat expectationsRevenue exceeded analyst estimates by 2.8%. Earnings per share (EPS) also surpassed analyst estimates by 3.3%. Over the next year, revenue is forecast to grow 9.1%, compared to a 18% growth forecast for the Banks industry in the US.
分析記事 • Mar 05If You Had Bought Citizens Community Bancorp (NASDAQ:CZWI) Stock Five Years Ago, You Could Pocket A 25% Gain TodayWhen you buy and hold a stock for the long term, you definitely want it to provide a positive return. Furthermore...
Is New 90 Day High Low • Mar 02New 90-day high: US$11.54The company is up 23% from its price of US$9.36 on 01 December 2020. The American market is up 7.0% over the last 90 days, indicating the company outperformed over that time. However, it underperformed the Banks industry, which is up 26% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is US$7.38 per share.
Is New 90 Day High Low • Feb 06New 90-day high: US$11.34The company is up 48% from its price of US$7.67 on 06 November 2020. The American market is up 15% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 36% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is US$7.44 per share.
分析記事 • Feb 05Why You Might Be Interested In Citizens Community Bancorp, Inc. (NASDAQ:CZWI) For Its Upcoming DividendIt looks like Citizens Community Bancorp, Inc. ( NASDAQ:CZWI ) is about to go ex-dividend in the next 4 days...
Major Estimate Revision • Feb 04Analysts increase EPS estimates to US$1.29The 2021 consensus revenue estimate increased from US$62.6m to US$66.5m. The earnings per share estimate also received an upgrade from US$1.06 to US$1.29 for the same period. Net income is expected to grow by 11% next year compared to 15% growth forecast for the Banks industry in the US. The consensus price target increased from US$10.83 to US$12.17. Share price is up 4.2% to US$11.20 over the past week.
Price Target Changed • Feb 03Price target raised to US$12.17Up from US$10.83, the current price target is an average from 3 analysts. The new target price is 10% above the current share price of US$11.04. As of last close, the stock is down 6.9% over the past year.
Reported Earnings • Jan 31Full year 2020 earnings released: EPS US$1.14 (vs US$0.85 in FY 2019)The company reported a strong full year result with improved earnings, revenues and profit margins. Full year 2020 results: Revenue: US$61.0m (up 16% from FY 2019). Net income: US$12.7m (up 35% from FY 2019). Profit margin: 21% (up from 18% in FY 2019). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 28% per year but the company’s share price has fallen by 7% per year, which means it is significantly lagging earnings.
Analyst Estimate Surprise Post Earnings • Jan 31Revenue and earnings beat expectationsRevenue exceeded analyst estimates by 2.8%. Earnings per share (EPS) also surpassed analyst estimates by 3.3%. Over the next year, revenue is forecast to grow 3.3%, compared to a 17% growth forecast for the Banks industry in the US.
分析記事 • Jan 30Results: Citizens Community Bancorp, Inc. Exceeded Expectations And The Consensus Has Updated Its EstimatesCitizens Community Bancorp, Inc. ( NASDAQ:CZWI ) just released its quarterly report and things are looking bullish. The...
分析記事 • Jan 24Why Dividend Hunters Love Citizens Community Bancorp, Inc. (NASDAQ:CZWI)Dividend paying stocks like Citizens Community Bancorp, Inc. ( NASDAQ:CZWI ) tend to be popular with investors, and for...
Is New 90 Day High Low • Jan 14New 90-day high: US$11.18The company is up 56% from its price of US$7.15 on 15 October 2020. The American market is up 12% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 40% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is US$2.46 per share.
分析記事 • Dec 20What Is The Ownership Structure Like For Citizens Community Bancorp, Inc. (NASDAQ:CZWI)?The big shareholder groups in Citizens Community Bancorp, Inc. ( NASDAQ:CZWI ) have power over the company. Generally...
Is New 90 Day High Low • Dec 10New 90-day high: US$10.19The company is up 51% from its price of US$6.75 on 10 September 2020. The American market is up 13% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 24% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is US$1.75 per share.
Price Target Changed • Dec 05Price target raised to US$9.83Up from US$8.83, the current price target is an average from 3 analysts. The new target price is close to the current share price of US$9.86. As of last close, the stock is down 19% over the past year.
分析記事 • Nov 24A Look At Citizens Community Bancorp's (NASDAQ:CZWI) Share Price ReturnsIt is doubtless a positive to see that the Citizens Community Bancorp, Inc. (NASDAQ:CZWI) share price has gained some...
Is New 90 Day High Low • Nov 10New 90-day high: US$8.25The company is up 18% from its price of US$6.99 on 12 August 2020. The American market is up 7.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 9.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is US$1.75 per share.
Analyst Estimate Surprise Post Earnings • Oct 29Third-quarter earnings released: Revenue and earnings beat expectationsThird-quarter revenue exceeded analyst estimates by 6.1% at US$16.8m. Earnings per share (EPS) also surpassed analyst estimates by 63% at US$0.31. Revenue is forecast to grow 11% over the next year, compared to a 18% growth forecast for the Banks industry in the US.
Reported Earnings • Oct 29Third quarter earnings releasedOver the last 12 months the company has reported total profits of US$12.3m, up 63% from the prior year. Total revenue was US$57.0m over the last 12 months, up 8.8% from the prior year.
Is New 90 Day High Low • Oct 23New 90-day high: US$7.35The company is up 4.0% from its price of US$7.04 on 24 July 2020. The American market is up 8.0% over the last 90 days, indicating the company underperformed over that time. However, it outperformed the Banks industry, which is flat over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is US$1.56 per share.
Is New 90 Day High Low • Oct 07New 90-day high: US$7.20The company is up 6.0% from its price of US$6.77 on 09 July 2020. The American market is up 7.0% over the last 90 days, indicating the company underperformed over that time. However, its price trend is similar to the Banks industry, which is also up 6.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is US$1.60 per share.
お知らせ • Aug 28Citizens Community Bancorp, Inc. announced that it has received $15 million in fundingCitizens Community Bancorp, Inc. (NasdaqGM:CZWI) announced that it has entered into subordinated note purchase agreement with certain accredited purchasers for the gross proceeds of $15,000,000 on August 27, 2020. The notes will mature on September 1, 2030 and carry interest rate of 6.00% from the date of issuance of the notes until, but excluding, September 1, 2025, the interest rate will be reset quarterly to equal the three-month term Secured Overnight Financing Rate, plus 591 basis points. Interest on the Notes will be payable semi-annually in arrears on March 1 and September 1 of each year during the Fixed Interest Period, and quarterly in arrears on March 1, June 1, September 1 and December 1 of each year during the Floating Interest Period. The notes are expected to qualify as Tier 2 capital for regulatory capital purposes, subject to applicable limitations. The notes may not be redeemed by the company prior to the fifth anniversary of the effective date of the Notes, with certain limited exceptions.
お知らせ • Jul 31+ 1 more updateCitizens Community Bancorp, Inc. (NasdaqGM:CZWI) acquired a SBA Payment Protection Program loan portfolio.Citizens Community Bancorp, Inc. (NasdaqGM:CZWI) acquired a SBA Payment Protection Program loan portfolio during three months ended June 30, 2020. The acquired portfolio has a face value of $33 million. In a related transaction, Unknown buyer acquired Wells Insurance Agency, Inc. from Citizens Community Bancorp, Inc. Citizens Community Bancorp, Inc. (NasdaqGM:CZWI) completed the acquisition of a SBA Payment Protection Program loan portfolio during three months ended June 30, 2020.
