View Financial HealthCitizens Community Bancorp 배당 및 자사주 매입배당 기준 점검 4/6Citizens Community Bancorp 수익으로 충분히 충당되는 현재 수익률 2.06% 보유한 배당금 지급 회사입니다.핵심 정보2.1%배당 수익률3.0%자사주 매입 수익률총 주주 수익률5.1%미래 배당 수익률2.1%배당 성장률9.7%다음 배당 지급일n/a배당락일n/a주당 배당금n/a배당 성향7%최근 배당 및 자사주 매입 업데이트공시 • 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.공시 • 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.분석 기사 • 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.공시 • 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.분석 기사 • 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...모든 업데이트 보기Recent updatesBuy Or Sell Opportunity • Jun 03Now 21% undervaluedOver the last 90 days, the stock has risen 15% to US$20.51. The fair value is estimated to be US$26.01, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue is forecast to grow by 13% in a year. Earnings are forecast to grow by 23% in the next year.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.분석 기사 • 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...공시 • 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 States공시 • 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.공시 • 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.공시 • 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 States공시 • 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.분석 기사 • 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.분석 기사 • 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.분석 기사 • 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.공시 • 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.분석 기사 • 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.공시 • 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.공시 • 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.분석 기사 • 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.공시 • 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.분석 기사 • 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.분석 기사 • 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.분석 기사 • 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.분석 기사 • 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...분석 기사 • 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.분석 기사 • 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.분석 기사 • 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.공시 • 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.공시 • 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.지급의 안정성과 성장배당 데이터 가져오는 중안정적인 배당: CZWI 의 주당 배당금은 지난 10 년 동안 안정적이었습니다.배당금 증가: CZWI 의 배당금 지급은 지난 10 년 동안 증가했습니다.배당 수익률 vs 시장Citizens Community Bancorp 배당 수익률 vs 시장CZWI의 배당 수익률은 시장과 어떻게 비교되나요?구분배당 수익률회사 (CZWI)2.1%시장 하위 25% (US)1.4%시장 상위 25% (US)4.2%업계 평균 (Banks)2.3%분석가 예측 (CZWI) (최대 3년)2.1%주목할만한 배당금: CZWI 의 배당금( 2.06% )은 US 시장에서 배당금 지급자의 하위 25%( 1.41% )보다 높습니다.고배당: CZWI 의 배당금( 2.06% )은 US 시장에서 배당금 지급자의 상위 25%( 4.24% )와 비교해 낮습니다.현재 주주 배당수익 보장: 낮은 배당금 지급 비율 (6.9%)로 인해 CZWI의 배당금 지급은 수익으로 충분히 충당됩니다.향후 주주 배당미래 배당 보장: 3년 안에 배당금이 지급될 것인지, 아니면 수익으로 충당될 것인지를 판단하기에는 데이터가 부족합니다.높은 배당을 제공하는 우량 기업 찾기7D1Y7D1Y7D1YUS 시장에서 배당이 강한 기업.View Management기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/06/10 13:18종가2026/06/10 00:00수익2026/03/31연간 수익2025/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스Citizens Community Bancorp, Inc.는 2명의 분석가가 다루고 있습니다. 이 중 2명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관Brendan NosalHovde Group, LLCNathan RacePiper Sandler Companies
공시 • 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.
공시 • 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.
분석 기사 • 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.
공시 • 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.
분석 기사 • 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...
Buy Or Sell Opportunity • Jun 03Now 21% undervaluedOver the last 90 days, the stock has risen 15% to US$20.51. The fair value is estimated to be US$26.01, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue is forecast to grow by 13% in a year. Earnings are forecast to grow by 23% in the next year.
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.
분석 기사 • 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...
공시 • 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
공시 • 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.
공시 • 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.
공시 • 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
공시 • 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.
분석 기사 • 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.
분석 기사 • 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.
분석 기사 • 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.
공시 • 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.
분석 기사 • 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.
공시 • 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.
공시 • 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.
분석 기사 • 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.
공시 • 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.
분석 기사 • 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.
분석 기사 • 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.
분석 기사 • 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.
분석 기사 • 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...
분석 기사 • 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.
분석 기사 • 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.
분석 기사 • 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.
공시 • 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.
공시 • 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.