Company Overview
Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal N.A., delivering a comprehensive suite of traditional community banking services to businesses, agricultural operators, and consumers across the United States, specifically within Wisconsin and Minnesota, as well as internationally. The institution functions within the Financial Services sector, categorized specifically under the Banks - Regional industry, which typically involves managing deposits, extending commercial and consumer credit, and providing essential financial infrastructure to local economies. The company's total scale is defined by a market capitalization of $185.69M, an annual revenue of $60.38M over the trailing twelve months, and a workforce comprising 217 employees. These valuation and revenue figures indicate that the entity represents a mid-sized regional player, suggesting a business model focused on niche market penetration rather than broad national dominance, with the revenue stream supporting a significant but lean operational footprint relative to its market value.
Financial Health
The company generated revenue of $60.38M over the trailing twelve months with a net income of $14.42M, while EBITDA figures are not reported for this entity. The substantial gap between the total revenue of $60.38M and the net income of $14.42M reveals a cost structure heavily influenced by operating expenses and the inherent non-interest expense characteristics typical of the banking sector, where gross margins are often negligible or reported as zero. Free cash flow data is not available for Citizens Community Bancorp, Inc., which limits the ability to quantify immediate financial flexibility through cash generation metrics, though the reported cash balance provides a snapshot of available liquidity. The company reports a gross margin of 0.0%, an operating margin of 34.7%, and a profit margin of 23.9%, indicating that while revenue generation does not result in direct gross profit, the management of operating costs allows for a significant portion of revenue to translate into operating earnings, and the final profit margin reflects the company's ability to retain earnings after all expenses. In terms of liquidity and leverage, the company holds $118.85M in cash against $52.75M in debt, resulting in a debt-to-equity ratio that is not explicitly calculated in the available data, yet the absolute cash position exceeding total debt suggests a conservative balance sheet posture. Current ratio metrics are not disclosed, preventing a direct assessment of short-term liquidity coverage via current assets to current liabilities, though the net positive cash position implies robust short-term solvency. Return on equity stands at 7.9% and return on assets is 0.8%, metrics that reveal management effectiveness in generating shareholder value relative to equity invested and utilizing the total asset base, respectively, with the low ROA being standard for highly leveraged banking institutions where equity is a small fraction of total assets.
Valuation Assessment
The trailing twelve-month P/E ratio is 13.21, while the forward P/E ratio is projected at 9.12, implying that the market expects earnings to grow significantly in the coming year to justify the lower forward multiple. The price-to-book ratio is 0.99, indicating that the market values the company's equity at slightly below its book value, suggesting no significant market premium over the tangible net assets of the institution. Alternative valuation metrics include a price-to-sales ratio of 3.08 and an EV/EBITDA ratio that is not available, where the P/S ratio suggests investors are willing to pay a multiple of revenue that is relatively high for a bank, potentially reflecting confidence in the quality of earnings or intangible franchise value. The stock's 52-week high is $19.49 and the 52-week low is $12.69; without the current real-time price in the provided facts, the specific trading position relative to this range cannot be calculated, but the range defines the recent volatility envelope for the security. The beta value is 0.65, which means the stock is expected to be less volatile than the broader market, moving with 65% of the market's intensity and offering a lower-risk profile for risk-averse capital compared to the general equity index.
Growth & Income
Revenue growth year-over-year is 9.8%, while earnings growth year-over-year is 64.2%, indicating that earnings are growing at a rate significantly faster than revenue, which implies improving operational efficiency or a favorable shift in the product mix toward higher-margin activities. The company offers a dividend yield of 2.4% with a payout ratio of 24.7%, and the relatively low payout ratio suggests that the dividend is highly sustainable given the company's earnings growth and conservative cash position, allowing ample room for reinvestment or dividend increases. Since the earnings growth rate of 64.2% far exceeds the revenue growth rate of 9.8%, the company is effectively leveraging its existing revenue base to accelerate profitability, a common trait in regional banks during periods of improved net interest margins or reduced loan loss provisions. The overall growth and income profile combines moderate top-line expansion with aggressive earnings acceleration and a consistent, low-risk dividend policy that supports shareholder returns without compromising capital for growth initiatives.