Latest Ratios: P/E Ratio 15.8x · EV/EBITDA 17.5x · ROE 7.9%. (2003–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $223M | $173M | $166M | $123M | $126M | $148M | $122M | $136M | $121M | $75M | $59M |
| Enterprise Value | $156M | $106M | $183M | $232M | $306M | $268M | $180M | $250M | $203M | $146M | $119M |
| P/E Ratio → | 15.82 | 12.21 | 12.16 | 9.37 | 7.12 | 6.95 | 9.55 | 14.38 | 28.68 | 30.33 | 18.95 |
| P/S Ratio | 2.47 | 1.92 | 1.67 | 1.30 | 1.58 | 1.85 | 1.47 | 1.86 | 44.37 | 2.32 | 2.03 |
| P/B Ratio | 1.19 | 0.92 | 0.93 | 0.71 | 0.76 | 0.86 | 0.76 | 0.90 | 0.88 | 1.02 | 0.92 |
| P/FCF | 21.46 | 16.66 | 8.62 | 10.43 | 4.92 | 8.29 | 5.73 | 22.41 | 15.36 | 57.54 | 12.46 |
| P/OCF | 19.05 | 14.79 | 8.24 | 9.34 | 4.32 | 6.84 | 5.11 | 10.59 | 11.18 | 39.22 | 10.36 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.18 | 1.84 | 2.46 | 3.81 | 3.35 | 2.18 | 3.41 | 74.07 | 4.50 | 4.09 |
| EV / EBITDA | 17.51 | 11.91 | 8.75 | 10.25 | 11.08 | 8.13 | 7.54 | 15.19 | 20.59 | 29.45 | 23.51 |
| EV / EBIT | 24.66 | 16.78 | 10.47 | 12.28 | 12.97 | 9.27 | 10.43 | 20.35 | 27.80 | 38.08 | 30.71 |
| EV / FCF | — | 10.20 | 9.47 | 19.77 | 11.91 | 15.06 | 8.49 | 41.19 | 25.64 | 111.60 | 25.02 |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 54.7% | 54.7% | 59.8% | 62.5% | 81.9% | 87.0% | 73.4% | 72.1% | 100.0% | 81.7% | 82.5% |
| Operating Margin | 7.0% | 7.0% | 17.6% | 20.0% | 29.4% | 36.2% | 20.9% | 16.8% | 266.5% | 11.8% | 13.3% |
| Net Profit Margin | 16.0% | 16.0% | 13.8% | 13.8% | 22.1% | 26.6% | 15.4% | 12.9% | 184.4% | 7.7% | 8.9% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.9% | 7.9% | 7.8% | 7.7% | 10.5% | 12.8% | 8.2% | 6.6% | 4.8% | 3.6% | 4.1% |
| ROA | 0.8% | 0.8% | 0.8% | 0.7% | 1.0% | 1.3% | 0.8% | 0.7% | 0.5% | 0.3% | 0.4% |
| ROIC | 2.0% | 2.0% | 4.6% | 4.0% | 4.9% | 6.4% | 3.9% | 3.1% | 2.3% | 1.7% | 1.8% |
| ROCE | 2.5% | 2.5% | 6.9% | 7.5% | 9.6% | 12.3% | 7.9% | 6.5% | 5.2% | 4.3% | 5.7% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.28 | 0.28 | 0.37 | 0.85 | 1.29 | 0.99 | 1.13 | 1.16 | 0.97 | 1.64 | 1.10 |
| Debt / EBITDA | 5.82 | 5.82 | 3.19 | 6.48 | 7.79 | 5.15 | 7.61 | 10.61 | 13.66 | 24.35 | 13.94 |
| Net Debt / Equity | — | -0.36 | 0.09 | 0.63 | 1.07 | 0.71 | 0.37 | 0.76 | 0.59 | 0.96 | 0.93 |
| Net Debt / EBITDA | -7.54 | -7.54 | 0.79 | 4.85 | 6.50 | 3.66 | 2.45 | 6.93 | 8.25 | 14.27 | 11.80 |
| Debt / FCF | — | -6.46 | 0.85 | 9.34 | 6.98 | 6.78 | 2.76 | 18.79 | 10.28 | 54.06 | 12.56 |
| Interest Coverage | 0.16 | 0.16 | 0.40 | 0.53 | 1.81 | 2.79 | 1.21 | 0.73 | 0.85 | 0.68 | 0.77 |
Net cash position: cash ($119M) exceeds total debt ($52M)
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.13 | 0.13 | 0.09 | 0.07 | 0.03 | 0.04 | 0.09 | 0.19 | 0.18 | 0.18 | 0.17 |
| Quick Ratio | 0.13 | 0.13 | 0.09 | 0.07 | 0.03 | 0.04 | 0.09 | 0.19 | 0.18 | 0.18 | 0.17 |
| Cash Ratio | 0.08 | 0.08 | 0.03 | 0.02 | 0.02 | 0.03 | 0.09 | 0.05 | 0.05 | 0.06 | 0.03 |
| Asset Turnover | — | 0.05 | 0.06 | 0.05 | 0.04 | 0.05 | 0.05 | 0.05 | 0.00 | 0.03 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.6% | 2.1% | 2.0% | 2.5% | 2.2% | 1.7% | 2.0% | 1.6% | 1.0% | 1.1% | 1.1% |
| Payout Ratio | 25.0% | 25.0% | 24.3% | 23.3% | 15.4% | 11.8% | 18.6% | 23.2% | 23.4% | 33.7% | 24.4% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.3% | 8.2% | 8.2% | 10.7% | 14.0% | 14.4% | 10.5% | 7.0% | 3.5% | 3.3% | 5.3% |
| FCF Yield | 4.7% | 6.0% | 11.6% | 9.6% | 20.3% | 12.1% | 17.5% | 4.5% | 6.5% | 1.7% | 8.0% |
| Buyback Yield | 2.8% | 3.6% | 3.7% | 0.4% | 1.5% | 5.4% | 2.3% | 0.0% | 0.0% | 0.1% | 0.1% |
| Total Shareholder Yield | 4.4% | 5.7% | 5.8% | 2.9% | 3.7% | 7.1% | 4.3% | 1.7% | 1.0% | 1.2% | 1.2% |
| Shares Outstanding | — | $10M | $10M | $10M | $11M | $11M | $11M | $11M | $11M | $5M | $5M |
Agricultural credit cycle exposure
According to recent market data, CZWI trades at a P/B of 1.22, which suggests that investors are pricing the bank as a commodity balance sheet rather than a premium franchise, likely due to the persistent ROE levels hovering near 2.0% over the last ten quarters.
The current valuation multiple appears to reflect skepticism regarding the bank's ability to scale its specialized agricultural lending model into higher profitability. Investors should monitor whether the forward P/E of 12.93 can be sustained if the bank fails to improve its return on tangible equity beyond current depressed levels.
Based on the provided financial data, CZWI's ROE has remained consistently low at approximately 2.0%, indicating that the bank's profitability is structurally constrained by a thin NIM of 0.7% and limited asset utilization, despite maintaining a conservative leverage profile with an equity-to-assets ratio of 0.10.
The decomposition of profitability suggests that the bank's reliance on interest income in a competitive regional market is failing to generate sufficient returns. The lack of significant non-interest income contribution further limits the bank's ability to offset the compression in its core net interest margin.
As reported in financial statements, the net interest margin has stagnated at 0.7% as of 2026Q1, while the efficiency ratio of 43.2% suggests that management is struggling to achieve meaningful operating leverage in the face of rising deposit costs and competitive pressures in the Upper Midwest.
The bank's inability to expand its NIM despite its niche agricultural focus implies that funding costs are likely rising in lockstep with asset yields. This structural margin pressure warrants further investigation into whether the bank's cost structure is too rigid to adapt to the current interest rate environment.
According to recent SEC filings, CZWI maintains an equity-to-assets ratio of 0.10, which indicates a conservative capital base that provides a significant buffer against potential credit losses within its specialized agricultural loan portfolio, even as the bank prioritizes liquidity over aggressive balance sheet expansion.
This capital adequacy level appears to be a deliberate strategic choice, allowing the bank to navigate regional economic volatility without immediate pressure to raise capital. However, this defensive stance may continue to suppress ROE, as the bank holds substantial cash and equivalents rather than deploying capital into higher-yielding assets.
Investors frequently misapply the P/E ratio to CZWI, which obscures the impact of volatile credit provisioning and non-core income adjustments that do not reflect the bank's underlying cash-generating capacity, making the P/TBV a more reliable metric for assessing the bank's true valuation and franchise value.
Because the P/E ratio is highly sensitive to the timing of CECL-related provision expenses, it often provides a distorted view of the bank's earnings power. Analysts should instead focus on the P/TBV and the trend in tangible book value per share to better understand the bank's long-term value creation.
Includes 30+ ratios · 23 years · Updated daily
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Quick answers to the most common questions about buying CZWI stock.
Citizens Community Bancorp, Inc.'s current P/E ratio is 15.8x. The historical average is 41.8x. This places it at the 35th percentile of its historical range.
Citizens Community Bancorp, Inc.'s current EV/EBITDA is 17.5x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 28.9x.
Citizens Community Bancorp, Inc.'s return on equity (ROE) is 7.9%. The historical average is 3.7%.
Based on historical data, Citizens Community Bancorp, Inc. is trading at a P/E of 15.8x. This is at the 35th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Citizens Community Bancorp, Inc.'s current dividend yield is 1.60% with a payout ratio of 25.0%.
Citizens Community Bancorp, Inc. has 54.7% gross margin and 7.0% operating margin.
Citizens Community Bancorp, Inc.'s Debt/EBITDA ratio is 5.8x, indicating high leverage. A ratio above 4x may signal elevated financial risk.