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.

	Q1 '26	Q4 '25	Q3 '25	Q2 '25	Q1 '25
Profitability
Net margin	23.3%+0.2pp	23.1%-1.2pp	21.3%-4.5pp	21.4%-2.9pp	23.1%+0.1pp
Free cash flow margin	20.1%-1.7pp	17.7%-16.8pp	16.8%-19.1pp	12.5%-25.2pp	21.7%-10.9pp
Returns
Return on equity	8.1%+0.8pp	7.9%+0.1pp	7%-1.5pp	6.9%-1.2pp	7.3%-0.7pp
Return on assets	0.8%+0.1pp	0.8%+0.1pp	0.7%-0.1pp	0.7%-0.1pp	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+5.3%	$158.62M+7.9%	$133.85M+10.8%	$143.65M+12.8%
Enterprise value	$77.1M+14.4%	$54.23M-52.6%	$76.94M-30.9%	$67.26M-20.8%	$44.42M-55.7%
Price / earnings	15.1×+4.2×	11.9×+0.1×	12.3×+2.4×	10.7×+2.1×	11.2×+1.7×
Price / sales	3.5×+1.2×	2.8×-0.1×	2.6×+0.1×	2.3×+0.2×	2.6×+0.4×
Price / book	1.2×+0.5×	0.9×0.0×	0.8×0.0×	0.7×0.0×	0.8×+0.1×
EV / sales	1.2×0.0×	0.9×-1.2×	1.3×-0.7×	1.2×-0.3×	0.8×-0.9×
Free cash flow yield	5.7%+0.3pp	6.4%-5.5pp	6.4%-7.5pp	5.4%-12.5pp	8.4%-6.6pp
Earnings yield	6.6%-2.6pp	8.4%0.0pp	8.1%-1.9pp	9.3%-2.2pp	9%-1.6pp
PEG ratio	0.9×—	2.5×+0.2×	——	——	——

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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.