📊 CZWI Key Takeaways
Investment Thesis
Citizens Community Bancorp demonstrates solid profitability with strong revenue growth (+71.2% YoY) and healthy net margins (16.5%), but weak interest coverage (1.6x) and modest ROA (0.8%) raise concerns about asset quality and operational efficiency. The company maintains a conservative leverage profile (0.28x debt/equity) with adequate liquidity, though the low interest coverage ratio suggests limited cushion for earnings deterioration in a rising rate environment.
CZWI Strengths
- Exceptional revenue growth of 71.2% year-over-year indicates strong business momentum
- Healthy net profit margin of 16.5% and operating margin of 19.9% demonstrate profitability
- Conservative debt-to-equity ratio of 0.28x indicates low financial leverage and strong balance sheet
CZWI Risks
- Dangerously low interest coverage ratio of 1.6x leaves minimal buffer for earnings decline or rate shocks
- Weak return on assets (0.8%) suggests inefficient asset utilization typical of struggling banks
- Modest ROE of 7.7% indicates capital is not being deployed efficiently relative to shareholder returns
Key Metrics to Watch
- Interest coverage ratio trend - critical given current 1.6x level
- Return on assets development - monitor if asset efficiency improves
- Net interest margin compression/expansion in response to rate environment
- Loan loss provisions and asset quality metrics
- Revenue sustainability - assess if 71% growth is cyclical or structural
CZWI Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
CZWI Profitability Ratios
CZWI vs Default Sector
How Citizens Community Bancorp Inc. compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
CZWI Balance Sheet & Liquidity
CZWI 5-Year Financial Trend
5-Year Trend Summary: Citizens Community Bancorp Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $1.34 reflects profitable operations.
CZWI Growth Metrics (YoY)
CZWI Capital Allocation
CZWI SEC Filings
Access official SEC EDGAR filings for Citizens Community Bancorp Inc. (CIK: 0001367859)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CZWI
What is the AI rating for CZWI?
Citizens Community Bancorp Inc. (CZWI) has an AI rating of HOLD with 62% confidence, based on fundamental analysis of SEC EDGAR filings.
What are CZWI's key strengths?
Exceptional revenue growth of 71.2% year-over-year indicates strong business momentum. Healthy net profit margin of 16.5% and operating margin of 19.9% demonstrate profitability.
What are the risks of investing in CZWI?
Dangerously low interest coverage ratio of 1.6x leaves minimal buffer for earnings decline or rate shocks. Weak return on assets (0.8%) suggests inefficient asset utilization typical of struggling banks.
What is CZWI's revenue and growth?
Citizens Community Bancorp Inc. reported revenue of $87.6M.
Does CZWI pay dividends?
Citizens Community Bancorp Inc. pays dividends, with $3.6M distributed to shareholders in the trailing twelve months.
Where can I find CZWI SEC filings?
Official SEC filings for Citizens Community Bancorp Inc. (CIK: 0001367859) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CZWI's EPS?
Citizens Community Bancorp Inc. has a diluted EPS of $1.46.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.