Citizens Community Bancorp Inc MDCZWI
Price$21.20Intrinsic value$12.4341% below price

Financial Snapshot

Revenue, profitability, returns, debt, and capital allocation

Revenue $60.4M+1.4% YoYTTM through 30 Jun 2026
Net Income $12.8M-6.8% YoYTTM through 30 Jun 2026
Free Cash Flow $19.3MTTM through 30 Jun 2026

Margins

Current
Operating Margin25.3%
Net Margin23.9%

Returns

7.7%ROE
0.8%ROA
10.5%ROIC

Balance Sheet Health

Debt / Equity0.28x
Net Debt$26.9M
Cash & Equivalents$121.8M

Quality Metrics

Piotroski F-Score4 / 9
FCF Margin32.0%
Rule of 4044.5
Earnings-Beat Rate75.0%

Multi-Year Trend

Diluted EPS$1.31TTM
'19'20'21'22'23'24'25
FY2025: $1.46

Dividend

$0.21Per share, FY20260.97%Yield-1.8%5-yr growth

Capital Allocation

Capex Intensity5.0%

Segment Performance

SegmentRevenueYoYOutlook
Banking Operations$60.4M+1.4%
All values are periodic snapshots, not live quotes. Source dates are shown for reference.

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AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.