Citizens Community Valuation
| CZWI Stock | USD 14.55 0.05 0.34% |
At this time, the firm appears to be fairly valued. Citizens Community shows a prevailing Real Value of $14.1 per share. The current price of the firm is $14.55. Our model approximates the value of Citizens Community from analyzing the firm fundamentals such as Return On Equity of 0.0853, profit margin of 0.24 %, and Current Valuation of 193.24 M as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Citizens Community's valuation include:
Price Book 0.814 | Enterprise Value 193.2 M | Price Sales 2.4327 | Forward PE 11.1607 | Trailing PE 10.2465 |
Fairly Valued
Today
Please note that Citizens Community's price fluctuation is very steady at this time. Calculation of the real value of Citizens Community is based on 3 months time horizon. Increasing Citizens Community's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since Citizens Community is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Citizens Stock. However, Citizens Community's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 14.55 | Real 14.1 | Target 11.5 | Hype 14.55 | Naive 14.86 |
The intrinsic value of Citizens Community's stock can be calculated using various methods such as discounted cash flow or dividend analysis. That value may differ from its market price, which is determined by factors such as investor sentiment, market trends, headlines, and other external factors that may influence Citizens Community's stock price.
Estimating the potential upside or downside of Citizens Community Bancorp helps investors to forecast how Citizens stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Citizens Community more accurately as focusing exclusively on Citizens Community's fundamentals will not take into account other important factors: When choosing an evaluation method for Citizens Community, ensure it is appropriate for the firm given its current financial situation and market classification. If more than one evaluation category is relevant, we suggest using all methods to arrive at a better estimate.
Citizens Community Cash |
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Citizens Valuation Trend
Citizens Community's real value analysis enables investors to forecast the earnings more efficiently. Using both Citizens Community's enterprise value as well as its market capitalization is the best way to gauging the value of the company and is usually enough for investors to make market timing decisions.
Citizens Community Total Value Analysis
Citizens Community Bancorp is currently anticipated to have valuation of 193.24 M with market capitalization of 146.65 M, debt of 148.68 M, and cash on hands of 29.78 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Citizens Community fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
193.24 M | 146.65 M | 148.68 M | 29.78 M |
Citizens Community Investor Information
About 56.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 0.81. Some equities with similar Price to Book (P/B) outperform the market in the long run. Citizens Community last dividend was issued on the 8th of February 2024. The entity had 1:1 split on the 1st of November 2006. Based on the key measurements obtained from Citizens Community's financial statements, Citizens Community Bancorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.21 | 0.2257 |
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| Operating Income | 11.9 M | 21.2 M |
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Citizens Community Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The recent return on assets of Citizens signifies not a very effective usage of assets in November.Citizens Community Ownership Allocation
The market capitalization of Citizens Community is $146.65 Million. Over half of Citizens Community's outstanding shares are owned by other corporate entities. These other corporate entities are typically referred to as corporate investors that acquire positions in a given instrument to benefit from reduced trade commissions. Note, that even with substantial debt, if the true value of the firm is larger than the current market value, you may still be able to generate positive returns on investment in this company at some point.Citizens Community Profitability Analysis
The company reported the previous year's revenue of 93.82 M. Net Income was 13.06 M with profit before overhead, payroll, taxes, and interest of 65.32 M.Citizens Community Past Distributions to stockholders
About Citizens Community Valuation
An absolute valuation paradigm, as applied to Citizens Stock, attempts to find the value of Citizens Community based on its fundamental and basic technical indicators. By analyzing Citizens Community's financials, quarterly and monthly indicators, and their related drivers, such as dividends, operating cash flow, and various types of growth rates, we attempt to find the most accurate representation of Citizens Community's intrinsic value. In some cases, mostly for established, large-cap companies, we also incorporate more traditional valuation methods such as dividend discount, discounted cash flow, or asset-based models. As compared to an absolute model, our relative valuation model uses a comparative analysis of Citizens Community. We calculate exposure to Citizens Community's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Citizens Community's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 93.8 M | 98.5 M | |
| Pretax Profit Margin | 0.20 | 0.23 | |
| Operating Profit Margin | 0.23 | 0.21 | |
| Net Profit Margin | 0.14 | 0.17 |
Citizens Community Quarterly Retained Earnings |
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A single share of Citizens Community represents a small ownership stake in the entity. As a stockholder of Citizens, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Citizens Community Dividends Analysis For Valuation
Please note that Citizens Community has scaled down on payment of dividends at this time. As of now, Citizens Community's Retained Earnings are increasing as compared to previous years. The Citizens Community's current Retained Earnings Total Equity is estimated to increase to about 79 M, while Earning Assets are projected to decrease to under 174.2 M.
There are various types of dividends Citizens Community can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Citizens shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Citizens Community Bancorp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Citizens pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Citizens Community by the value of the dividends paid out.
Citizens Community Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 10.5 M | |
| Quarterly Earnings Growth Y O Y | 0.341 | |
| Forward Price Earnings | 11.1607 |
Citizens Community Current Valuation Indicators
Valuation refers to the process of determining the present value of Citizens Community Bancorp and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value Citizens we look at many different elements of the entity such as Citizens's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Citizens Community, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Citizens Community's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Citizens Community's worth.Complementary Tools for Citizens Stock analysis
When running Citizens Community's price analysis, check to measure Citizens Community's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Citizens Community is operating at the current time. Most of Citizens Community's value examination focuses on studying past and present price action to predict the probability of Citizens Community's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Citizens Community's price. Additionally, you may evaluate how the addition of Citizens Community to your portfolios can decrease your overall portfolio volatility.
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| Odds Of Bankruptcy Get analysis of equity chance of financial distress in the next 2 years |