Citizens Community Bancorp CZWI Ratios & Valuation
| TTM Q1 '26 | TTM Q4 '25 | TTM Q3 '25 | TTM Q2 '25 | TTM Q1 '25 | ||
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Net margin | 23.3%+0.2pp | 23.1%+1.8pp | 21.3%-0.1pp | 21.4%-1.8pp | 23.1%-1.2pp | |
| Free cash flow margin | 20.1%+2.4pp | 17.7%+0.9pp | 16.8%+4.3pp | 12.5%-9.2pp | 21.7%-12.7pp | |
| Returns | ||||||
| Return on equity | 8.1%+0.2pp | 7.9%+0.9pp | 7%+0.1pp | 6.9%-0.4pp | 7.3%-0.5pp | |
| Return on assets | 0.8%0.0pp | 0.8%+0.1pp | 0.7%0.0pp | 0.7%0.0pp | 0.7%0.0pp | |
| Efficiency | ||||||
| Asset turnover | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | |
| Leverage | ||||||
| Debt-to-equity | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | |
| Debt-to-assets | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | |
| Valuation | ||||||
| Market capitalization | $225.58M+67.4% | $172.14M+8.5% | $158.62M+18.5% | $133.85M-6.8% | $143.65M-12.1% | |
| Enterprise value | $77.1M+14.4% | $54.23M-29.5% | $76.94M+14.4% | $67.26M+51.4% | $44.42M-61.2% | |
| Price / earnings | 15.1×+4.2× | 11.9×-0.4× | 12.3×+1.6× | 10.7×-0.4× | 11.2×-0.7× | |
| Price / sales | 3.5×+1.2× | 2.8×+0.1× | 2.6×+0.3× | 2.3×-0.3× | 2.6×-0.3× | |
| Price / book | 1.2×+0.5× | 0.9×+0.1× | 0.8×+0.1× | 0.7×-0.1× | 0.8×-0.1× | |
| EV / sales | 1.2×0.0× | 0.9×-0.4× | 1.3×+0.1× | 1.2×+0.4× | 0.8×-1.2× | |
| Free cash flow yield | 5.7%+0.3pp | 6.4%0.0pp | 6.4%+1.0pp | 5.4%-3.0pp | 8.4%-3.5pp | |
| Earnings yield | 6.6%-2.6pp | 8.4%+0.3pp | 8.1%-1.2pp | 9.3%+0.4pp | 9%+0.5pp |
Chart any of these lines over time, or line them up against competitors.
Compare these in charts →Questions, answered.
- Where do Citizens Community Bancorp's ratios come from?
- Every ratio is computed from Citizens Community Bancorp's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.
