Fundamental analysis: Citizens Community Bancorp, Inc. (CZWI)

Awarener score: 8.7

Conclusion

The higher the Awarener score, the more bang you get for the buck. It measures how much genuine funds the company generates for the stock price paid (Superb), the business stability (Modest) and growth (Good), and the company's inclination to return cash to the stockholders (Excellent).

Note: All scores range from 1 (worst) to 10 (best). Conclusions are updated daily with closing stock prices and new reported quarterly financial statements.

Revenue score: 6.0

Business has been growing at a good pace. It's been more than average in relation to peer companies.
Citizens Community Bancorp, Inc. business trend isn't so stable. The higher the stability, the lower the risk. It looks worse than most rivals.

Margins score: 7.7

CZWI profit margins -on goods and services sold- are usually very poor. They stand top-notch against rival companies.
Business profit on sales tends to be hardly sufficient. It's weak when measured against competitors.
Profits on sales made -available to repay debt and purchase properties- are usually huge. They remain a slight improvement compared to peers.
Earnings -before income taxes and interests on loans taken- tend to be huge in relation to total revenues. They're still slightly better than similar companies.
Profits -before income taxes- are usually excellent considering total sales, and remain weak when measured against rivals.
Total net profit tends to be excellent when confronted to sales. Company stands substantially worse when measured against comparable firms.

Growth score: 8.0

Citizens Community Bancorp, Inc. profit -on goods and services sold- has been growing at an excellent pace. It's been close to average when compared to competitors.
There is not sufficient data to estimate the operating income margin trend, which has been therefore unknown against comparable firms.
Profits -available to repay debt and purchase properties- have been growing at a good pace, which compares great when measured against peer enterprises.
Earnings -before income taxes and interests on loans taken- have been growing at a good tempo. It turns to be excellent in relation to similar stocks.
In past years, profits -before income taxes- grew at a very good speed. It was top-notch against rivals.
In the previous years, growth trend on total net profit has been excellent, and top tier when measured against peer companies.
Earnings per share have grown at a very good rhythm in past years. It's been impressive in relation to industry peers.

Miscellaneous score: 3.0

CZWI had to pay a lot of income taxes in relation to profits made in the past years. It's been mediocre against peers.
The company does not report R&D expenses. It's meaningless to measure in relation to competitors.
We have insufficient data to estimate how effective is research and development effort. It stands unknown against rival companies.

Profitability score: 6.5

Citizens Community Bancorp, Inc. usually gets sufficient returns on the resources it controls. It proves similar to peer firms.
The company normally gets good proceeds -on the resources directly invested in the business-. They remain in a weak position compared to similar companies.
Profitability -in relation to owned resources- is usually quite good. It ranks weak when measured against competitors.
In the past, got sufficient returns -on the tangible resources it controls-. This metric is usually related to the industry in which operates and combines profitability versus reinvestment needs. It's similar to comparable enterprises.

Usage of Funds score: 7.9

CZWI usually uses a slight portion of genuine funds generated to buy or replace property, plant, or equipment. The need for reinvestments is light. It stands similar to rival firms.
The company is usually somewhat investing in new property, plant, and equipment, to improve its operating capabilities, which is more than average in relation to industry peers.
In the past twelve months it paid very good dividends, considering the current stock price. It came well ranked against competitors.
Has greatly increased dividend payments in the past years. Business prospects are most likely good. The company has behaved excellent in relation to similar firms.
Dividend payments usually represent a non-significant portion of genuine funds generation and are likely very safe. Sustainability looks slightly better than comparable companies.
The company usually enlarges quite a bit the pool of investors, resulting in more mouths feeding on the pie of profits. It remains in a weak position compared to peer enterprises.
Repurchase effectiveness metric is very complex. Run again in analytical mode if you're interested in a technical explanation. It stands close to average when compared to rivals.
The company uses a non-significant portion of genuine fund generation to reward investors. The company is usually improving its financial position, and could greatly boost stockholder rewards if it wished so. It still looks encouraging in relation to competitors.

Balance Sheet score: 6.2

Citizens Community Bancorp, Inc. intangible assets (like brands and goodwill) represent a modest portion of resources controlled, according to accounting books. There could be some difficulties in liquidating them if the company ever gets in financial distress. It happens to be weak when measured against peer companies.
Current ratio remains a mystery, as there was not sufficient Balance Sheet information. It turns to be unidentifiable against similar firms.
A very minor portion of resources controlled were provided for with financial debt. Financial strength is solid. Company could increase debt if it wished so, to reinvest in business, to buy a smaller company or to reward stockholders. It remains bottom tier against rival firms.
Most controlled resources can be made into cash reasonably quick, which is good for liquidity and risk. It looks great when measured against rivals.
Quick ratio is unavailable at this moment, due to lacking data. It's a pity we cannot compare it with peer firms.
A conclusion on cash ratio could not be reached, as we lack inputs, which is unfortunate when trying to measure against similar enterprises.
Usually, sales are on a month credit. It still ranks similar to peers.
Days of inventory outstanding are not known. It comes up as a big question mark against competitors.
We could not gauge the normal operating cycle of the company. It happens to be a mystery against peers.
Unfortunately, we had not enough data to estimate the days of payables outstanding. It ranks unknown against industry peers.
Cash conversion cycle remains unknown, due to not having enough inputs. It's incomparable against similar companies.
Company earns net interest income on its investments and therefore is in a quite comfortable financial position. It stands top-notch against rival firms.
Business earnings have usually been low when measured against loans taken. Even cutting back reinvesting in the business, it could take more than seven years to repay the obligations with current profitability. It ranks weak when measured against comparable enterprises.
Revenues are modest in relation to property, plant, and equipment required to operate. This metric is likely dependent on the industry the company operates in. The more property, plant, and equipment used, the more the company must reinvest to fight obsolescence, which usually means less available funds for the shareholders in the long run. It looks close to average when compared to similar firms.
Resources exploitation is virtually zero, as the firm hardly reports any sales. It's still slightly better than peer companies.

Valuation score: 8.6

Citizens Community Bancorp, Inc. looks very cheap in relation to profits and financial position. It happens to be similar to competitors.
Price-to-Tangible-Book-Value is a fairly complex metric. Run again in analytical mode if you're interested in a technical explanation. It remains in good shape compared to peers.
In the past twelve months, the company generated extraordinary free funds in relation to the stock price, which stands slightly worse than similar companies.
The company usually generates plenty more genuine funds to cover up for its business needs. Surplus cash may be used to repay loans, to eventually buy new businesses, or to reward investors. Considering the financial position and stock price, at the current price the share looks to be very attractive. It's still great when measured against industry firms.
In the past twelve months, the company has rewarded investors, considering both dividends and share on the pie of earnings. It came up in good shape compared to peer ventures.
The company has barely more debt than cash. It may borrow extra money if it wishes so, or start cumulating cash for future uses. It looks mediocre against similar enterprises.
Considering the past twelve months, traditional Price-to-Earnings relation looks very cheap. Possible reasons are that the market might be betting current earnings will be hard to sustain through time, or that the company has very high fund needs, or a weak financial position, among others. If that isn't the case, the current stock price might be very attractive. It ranks great when measured against peer companies.
Comparing the current stock price with the past twelve-months revenues gives a roughly two to one relationship. This is an important metric to check its evolution through time, and to compare to industry peers. It looks excellent in relation to rival firms.
The stock price is at or below the accounting book value. Unless profitability is really low, the stock may be selling a t a discount. Pay attention to the other key indicators for hints. The company remains top-notch against peer firms.
In the past twelve months, the operating business earned huge money when compared to the current stock price and financial position. It happens to be similar to industry peers.
In an alternate metric of bang for the buck, the company has usually shown an extreme earnings power ability when measured against the current stock price and financial position. Further analysis is recommended, as the stock might currently be significantly undervalued. It's still rather normal in relation to peer companies.

Total score: 6.7

Company at a glance: Citizens Community Bancorp, Inc. (CZWI)

Sector, industry: Financial Services, Banks—Regional

Market Cap: 0.11 billions

Revenues TTM: 0.07 billions

Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal N.A. that provides various traditional community banking services to businesses, agricultural operators, and consumers. The company accepts various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit. It also offers various loan products comprising commercial real estate, commercial and industrial, agricultural real estate, agricultural operating, and consumer loans; and one-to-four family residential mortgages and home equity lines-of-credit. In addition, the company provides a portfolio of investments, such as mortgage-backed, corporate asset-backed, U.S. Government sponsored agency, corporate debt, and trust preferred securities. It operates through a network of 25 full-service branch in Wisconsin and Minnesota. Citizens Community Bancorp, Inc. was founded in 1938 and is based in Eau Claire, Wisconsin.