Fundamental Analysis of Citizens Community Bancorp Inc - Growth / Value Index
CZWI - Valuation Highlights
Valuation Analysis
Tsr Value Index - Good Score of 79.69
Undervalued - Price to Intrinsic Value of 0.138
Price to Earning Ratio is 8.43 and EV to EBITDA is 9.25 suggesting company is undervalued.
Price to Book Ratio is 0.246 indicating that it is undervalued.
Book Value in last 3 years is trending up
Valuation Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Price to Earning | 9.04 | 8.69 | 18.14 % | |
| Price to Book | 0.263 | 0.705 | -9.84 % | 0.707 |
| Price to Sales | 1.76 | 1.97 | 0.711 % | |
| Enterprise Value to EBITDA Multiple | 9.51 | 6.14 | -45.32 % |
CZWI - Profitability Highlights
Profitability Analysis
Piotroski F Score - Good Value of 7.0
Earning Yield of 11.86 %
Excellent Net Margin for last 3 years
Excellent QoQ /QoQ FY EPS growth
All key Trailing Twelve Months Margin growing by 15 %
EBITDA is continuously increasing for last 3 Years
Steady Growth in EPS for last four quarters
Good Net Margin of 19.44% is achieved by the company
In the last three years, the company has given poor Returns on Assets
Profitability Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Return On Equity | 8.01 | 8.11 | -23.68 % | 2.37 |
| Return On Asset | 0.733 | 0.760 | -22.32 % | 0.225 |
| Net Profit Margin | 19.44 | 22.67 | -14.75 % | 15.76 |
| Operating Profit Margin | 30.15 | 34.13 | -3.31 % | 22.06 |
| EBITDA Margin | 44.96 | 77.98 | 36.86 % | -2.05 |
Highlights
| Market Cap | 121753 K |
| Enterprise Value | 296689 K |
| Price/Book TTM | 0.263 |
| Outstanding Share | 10406.30 K |
| Float/ Outstanding Share | 73.74% |
| Dividend Yield | 2.86 % |
Share Holding
Guru Numbers
| Price/Graham No | 0.532 |
| Peter Lynch Ratio | -1.69 |
| Piotroski F Score | 7.00 |
| Altman Z Score | 0.211 |
| Sloan Ratio | -0.0020 |
| Peter Lynch Fair Value | 29.66 |
CZWI - Growth Highlights
Growth Analysis
Steady increase in Total Assets for last 3 Years
Annual sales in last 3 years is trending down
Operating Cash Flow decreasing for last 3 year
Growth Key Fields
| Field | TTM | YoY Growth | QoQ Growth |
|---|---|---|---|
| Revenue | 69364.00 K | 7.13 % | 82.35 % |
| Gross Profit | 79484.00 K | 40.45 % | 6.56 % |
| EBITDA | 31186.00 K | 27.11 % | 103.57 % |
| Net Profit | 13485.00 K | 20.83 % | 10.70 % |
| EPS | 1.29 | 15.35 % | NA |
CZWI - Stability Highlights
Stability Analysis
Tsr Stability Index - Poor Score of 25.00
Altman Z Score of 0.209 suggest high risk
Stability Key Ratios
| Ratio | Latest FY | Yoy Change | MRQ |
|---|---|---|---|
| Debt to Equity Ratio | 1.22 | -38.51 % | 0.792 |
| Cash Ratio | 0.140 | -1.08 % | |
| Quick Ratio | 0.176 | -84.31 % | 1.50 |
| Shareholders Equity | 9.36 | 1.78 % | |
| Debt to EBITDA | 4.38 | -49.82 % |
Historical Valuation Ratios of Citizens Community Bancorp Inc
Historical Valuation Ratios
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Historical Profitability Ratios of Citizens Community Bancorp Inc
Historical Profitability Ratios
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Historical Efficiency Ratios of Citizens Community Bancorp Inc
Historical Efficiency Ratios
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Historical Solvency Ratios of Citizens Community Bancorp Inc
Historical Solvency Ratios
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Note : All Data Generated at the End of Trading Hours (EOD Data)