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Citizens Community Bancorp Inc   (CZWI)
Other Ticker:  
 
    Sector  Financial    Industry S&Ls Savings Banks
   Industry S&Ls Savings Banks
   Sector  Financial
 
Price: $12.2000 $-0.05 -0.408%
Day's High: $12.27 Week Perf: 0.00
Day's Low: $ 11.72 30 Day Perf: 4.9 %
Volume (M): 221 52 Wk High: $ 12.61
Volume (M$): $ 2,697 52 Wk Avg: $10.25
Open: $12.03 52 Wk Low: $7.61



 Market Capitalization (Millions $) 127
 Shares Outstanding (Millions) 10
 Employees 173
 Revenues (TTM) (Millions $) 61
 Net Income (TTM) (Millions $) 14
 Cash Flow (TTM) (Millions $) 3
 Capital Exp. (TTM) (Millions $) 2

Citizens Community Bancorp Inc

The Company is a Maryland corporation organized in 2004. The Company is a bank holding company and was subject to regulation by the Office of Thrift Supervision (OTS) through July 21, 2011 and has been subject to regulation by the Office of the Comptroller of the Currency (“OCC”) and by the Federal Reserve Bank thereafter. Our primary activities consist of holding the stock of our wholly-owned subsidiary bank, Citizens Community Federal N.A., and providing consumer and small commercial and agricultural banking activities through the Bank.

The Bank is a federally chartered National Bank with 18 full-service offices; seven stand-alone locations and 11 in-store branches. In October 2014, we announced the closing of three in-store branches, effective January 2015; and the relocation of the Mankato, Minnesota branch to a new full-service traditional branch in Mankato, MN in October 2015. In October 2015, we entered into a purchase agreement with Central Bank of Golden Valley, Minnesota, to purchase certain assets from, and assume all deposit liabilities of Central Bank’s Rice Lake and Barron branch banking operations in Wisconsin pending regulatory approval. The transaction is expected to be finalized in our second fiscal quarter of 2016.

In November 2015, we announced the closing of three in-store branches, to be effective in December 2015 and January 2016. We intend to continue to review our branch network to deploy assets and capital to growth markets and exit markets where we have limited growth opportunities. Through all of our branch locations, in Wisconsin, Minnesota and Michigan, we provide a variety of commercial and consumer banking products and services to customers, including online and mobile banking options.

We maintain a portfolio of investments, consisting primarily of U.S. Government sponsored agency securities, bonds and other obligations issued by states and their political subdivisions and mortgage-backed securities. We attempt to balance our portfolio to manage interest rate risk, regulatory requirements, and liquidity needs while providing an appropriate rate of return commensurate with the risk of the investment.

The rates of interest we earn on assets and pay on liabilities generally are established contractually for a period of time. Market interest rates change over time due to many factors that are beyond our control, including but not limited to: general economic conditions and government policy decisions, especially policies of the Federal Reserve Bank. Accordingly, our results of operations, like those of other financial institutions, are impacted by changes in interest rates and the interest rate sensitivity of our assets and liabilities. The risk associated with changes in interest rates and our ability to adapt to these changes is known as interest rate risk.



   Company Address: 2174 EastRidge Center Eau Claire 54701 WI
   Company Phone Number: 836-9994   Stock Exchange / Ticker: NASDAQ CZWI
   


Customers Net Income grew by CZWI's Customers Net Profit Margin grew to

16.23 %

4.92 %

• Customers Performance • Customers Expend. • Customers Efficiency • List of Customers


   

Stock Performances by Major Competitors

5 Days Decrease / Increase
     
BKU   -3.66%    
BRKL   -4.34%    
CFFN   -2.78%    
NRIM   -2.45%    
TFSL   -2.94%    
WSBF   -3.54%    
• View Complete Report
   



Dividend

Citizens Community Bancorp Inc Thrives: Common Equity Soars 5%, Deposits Grow $46 Million, and Dividends Increase by 10%

Published Mon, Jan 29 2024 1:30 PM UTC

Common Equity Increases 5%; Deposits Grew $46 million; Board of Directors Increase Annual Dividend 10% to $0.32 Per Share
Citizens Community Bancorp Inc, a reputable financial institution, recently made a significant announcement regarding its financial performance and shareholder value. In a press release, the company revealed that its common equity increased by an impr...

Citizens Community Bancorp Inc

S&Ls Savings Banks Sees Single-Digit Revenue Drop in 2023 Fiscal Year: A Closer Look

Citizens Community Bancorp Inc (CZWI) experienced a decline in its earnings per share (EPS) during the third quarter of the 2023 earnings season. The EPS dropped by -36.84% to $0.24 per share, mainly due to a decrease in revenue of -9.321% to $15.01 million compared to the previous year. In the preceding quarter, CZWI reported revenue of $14.15 million and a bottom line of $0.31 per share.
During the third quarter of 2023, CZWI's earnings decreased by -37.44% from $3.993 million to $2.498 million compared to the same period the previous year. While the operating margin increased to 33.59% with $5.042 million in operating income, the net margin recoiled to 16.64%. This indicates a mixed profitability for Citizens Community Bancorp Inc during this quarter.

Citizens Community Bancorp Inc

Citizens Community Bancorp Inc Reports a Decline of -24.39% in Income per Share for the Fiscal Quarter Ending June 30, 2023 Amidst Overall Business Deterioration



Over the last five trading days, Citizens Community Bancorp Inc shares have experienced a downturn, resulting in a year-to-date performance decline of -14.1%. Additionally, the company's revenue and earnings have shown a significant decrease in the April to June 2023 period. These financial results raise concerns about the company's future outlook and its ability to navigate the challenges ahead.
1. Declining Revenue and Earnings:
Citizens Community Bancorp Inc saw a substantial decrease in income and revenue during the April to June 2023 period. Income fell by -24.39% to $0.31 per share, while revenue declined by -12.87% year on year. Comparing the revenue of $14.15 million to $16.24 million in the same period last year highlights the deterioration in the company's business.

Citizens Community Bancorp Inc

Citizens Community Bancorp Inc Faces Challenging Fiscal Period, Reporting Significant Declines in Q1 2023

Citizens Community Bancorp Inc, a community bank holding company based in Wisconsin, recently reported its financial interval ending March 31, 2023, with weak performance figures. The company's income for the quarter dropped by -22.22% year on year, with earnings per share falling to $0.35. Additionally, revenue decreased by -5.309% to $15.04 million.
The sluggish performance was no isolated incident as income shrunk by -22.31% from $0.45 per share during the fourth quarter of 2022 while the revenue declined by -9.693% to $16.65 million. Meanwhile, net income saw a sharp drop of -22.18% to $3.662 million, from $4.706 million recorded in the same period a year earlier.






 

Citizens Community Bancorp Inc's Segments
 
 
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