회사 개요
Citizens Community Bancorp, Inc. operates as a bank holding company that facilitates Citizens Community Federal N.A., delivering a comprehensive suite of traditional community banking services to businesses, agricultural operators, and consumers across the United States, Wisconsin, Minnesota, and international markets. This institution is categorized within the Financial Services sector and specifically functions in the Banks - Regional industry, positioning it as a specialized lender focused on local economic development rather than broad institutional trading. The company currently maintains a market capitalization of $199.99M and employs 217 staff members to support its operational footprint. Its annual revenue stands at $60.38M, which, when combined with the market cap of $199.99M, indicates a valuation that is approximately 3.31 times its sales figure, suggesting a premium price relative to current income generation typical of smaller regional banking entities. The scale of operations, reflected in the employee count and geographic reach, underscores the company's role as a community-focused financial intermediary rather than a large-scale commercial bank.
재무 건전성
The company reported a Total Revenue of $60.38M over the trailing twelve months, while generating Net Income of $14.42M; the significant gap between these figures and the unlisted EBITDA reveals a cost structure where interest expenses and provisions for loan losses heavily impact bottom-line profitability before non-interest income considerations. Although Free Cash Flow is not reported in the available data, the company holds $47.59M in cash assets against total debt obligations of $147.50M, indicating a net debt position that requires careful monitoring of liquidity sources. The financial margins display a Gross Margin of 0.0%, which is standard for banking sectors where interest income and expense are netted, while the Operating Margin sits at 16.6% and the Profit Margin reaches 23.9%, highlighting the efficiency of the firm in converting core operations into net earnings. In terms of leverage, the total debt of $147.50M exceeds the cash reserve of $47.59M, and while a specific Debt to Equity ratio is not provided, the capital structure suggests a leveraged balance sheet common for community banks. The Current Ratio is not available for analysis, limiting the ability to assess short-term liquidity coverage using standard metrics. Return on Equity stands at 7.9% and Return on Assets is 0.8%, metrics that demonstrate the management's effectiveness in generating returns relative to the shareholders' equity and the total asset base respectively.
밸류에이션 평가
The valuation metrics show a Trailing P/E Ratio of 14.23 and a Forward P/E of 9.82, where the substantial difference between these figures implies that the market expects a significant expansion in earnings growth in the coming periods to justify the current stock price relative to future expectations. The Price to Book ratio is 1.65, indicating that the market values the company at a premium of 65% above its tangible book value, which often reflects the quality of the loan portfolio and the strength of the brand within its specific regional markets. Alternative valuation measures include a Price to Sales ratio of 3.31 and an EV/EBITDA metric that is not available, suggesting that analysts rely heavily on earnings and sales multiples rather than enterprise value multiples for this specific regional bank. The stock has traded between a 52-Week High of $20.89 and a 52-Week Low of $12.69, placing the current trading level in a context where the price has experienced volatility within this defined range over the past year. With a Beta of 0.56, the stock exhibits lower price volatility relative to the broader market, moving at roughly half the intensity of the overall index, which offers a defensive characteristic suitable for risk-averse portfolios.
Growth & Income
Growth dynamics are characterized by a Revenue Growth of 25.1% year-over-year contrasted with an Earnings Growth of -60.9% year-over-year, indicating that while top-line income is expanding rapidly, profitability is currently contracting at a much faster pace, likely due to one-time expenses or loan loss provisions affecting the net income calculation. For shareholders seeking income, the company offers a Dividend Yield of 2.2% with a Payout Ratio of 24.7%, a payout level that appears sustainable given the current earnings base, though the negative earnings growth suggests caution regarding future dividend stability. Since the earnings growth is negative, the company is currently unable to reinvest profits at a high rate to drive expansion, instead relying on organic asset growth to fuel the 25.1% revenue increase. The overall growth and income profile presents a scenario of strong top-line expansion in the face of significant earnings contraction, supported by a moderate dividend yield that provides some income support despite the earnings headwinds.