Company Quick10K Filing
Citizens Community Bancorp
Closing Price ($) Shares Out (MM) Market Cap ($MM)
$0.00 11 $126
10-Q 2019-11-07 Quarter: 2019-09-30
10-Q 2019-08-08 Quarter: 2019-06-30
10-Q 2019-05-09 Quarter: 2019-03-31
10-K 2018-12-10 Annual: 2018-09-30
10-Q 2018-08-10 Quarter: 2018-06-30
10-Q 2018-05-14 Quarter: 2018-03-31
10-Q 2018-02-13 Quarter: 2017-12-31
10-K 2017-12-13 Annual: 2017-09-30
10-Q 2017-08-07 Quarter: 2017-06-30
10-Q 2017-05-08 Quarter: 2017-03-31
10-Q 2017-02-13 Quarter: 2016-12-31
10-K 2016-12-29 Annual: 2016-09-30
10-Q 2016-08-12 Quarter: 2016-06-30
10-Q 2016-05-13 Quarter: 2016-03-31
10-Q 2016-02-08 Quarter: 2015-12-31
10-K 2015-12-07 Annual: 2015-09-30
10-Q 2015-08-10 Quarter: 2015-06-30
10-Q 2015-05-11 Quarter: 2015-03-31
10-Q 2015-02-09 Quarter: 2014-12-31
10-K 2014-12-08 Annual: 2014-09-30
10-Q 2014-08-11 Quarter: 2014-06-30
10-Q 2014-05-12 Quarter: 2014-03-31
10-Q 2014-02-10 Quarter: 2013-12-31
10-K 2013-12-09 Annual: 2013-09-30
10-Q 2013-08-12 Quarter: 2013-06-30
10-Q 2013-05-13 Quarter: 2013-03-31
10-Q 2013-02-11 Quarter: 2012-12-31
10-K 2012-12-10 Annual: 2012-09-30
10-Q 2012-08-13 Quarter: 2012-06-30
10-Q 2012-05-15 Quarter: 2012-03-31
10-Q 2012-02-10 Quarter: 2011-12-31
10-K 2011-12-21 Annual: 2011-09-30
10-Q 2011-08-15 Quarter: 2011-06-30
10-Q 2011-05-16 Quarter: 2011-03-31
10-Q 2011-02-14 Quarter: 2010-12-31
10-K 2010-12-23 Annual: 2010-09-30
10-Q 2010-08-12 Quarter: 2010-06-30
10-Q 2010-05-12 Quarter: 2010-03-31
10-Q 2010-02-12 Quarter: 2009-12-31
8-K 2020-01-28 Regulation FD, Exhibits
8-K 2020-01-27 Earnings, Other Events, Exhibits
8-K 2019-11-04 Regulation FD, Exhibits
8-K 2019-11-01 Officers, Exhibits
8-K 2019-10-25 Earnings, Other Events, Exhibits
8-K 2019-09-18 Regulation FD, Exhibits
8-K 2019-09-04 Regulation FD, Exhibits
8-K 2019-07-29 Earnings, Exhibits
8-K 2019-06-26 Enter Agreement, M&A, Off-BS Arrangement, Other Events, Exhibits
8-K 2019-06-20 Other Events
8-K 2019-06-06 Shareholder Vote
8-K 2019-05-17 Other Events
8-K 2019-05-06 Regulation FD, Exhibits
8-K 2019-04-26 Earnings, Exhibits
8-K 2019-01-29 Regulation FD, Exhibits
8-K 2019-01-28 Earnings, Exhibits
8-K 2019-01-21 Enter Agreement, Regulation FD, Other Events, Exhibits
8-K 2018-12-03 Other Events, Exhibits
8-K 2018-11-09 Other Events, Exhibits
8-K 2018-10-26 Earnings, Exhibits
8-K 2018-10-19 Enter Agreement, M&A, Other Events, Exhibits
8-K 2018-09-25 Amend Bylaw
8-K 2018-09-25 Shareholder Vote
8-K 2018-09-17 Regulation FD, Other Events, Exhibits
8-K 2018-08-01 Enter Agreement, Off-BS Arrangement, Exhibits
8-K 2018-07-27 Earnings, Exhibits
8-K 2018-06-20 Enter Agreement, Sale of Shares, Shareholder Rights, Amend Bylaw, Regulation FD, Other Events, Exhibits
8-K 2018-04-27 Earnings, Exhibits
8-K 2018-03-27 Regulation FD, Exhibits
8-K 2018-03-27 Officers, Shareholder Vote, Exhibits
8-K 2018-01-29 Regulation FD, Exhibits
8-K 2018-01-26 Earnings, Exhibits

Citizens Community Bancorp Financials

CZWI Metrics, Comps, Filings

Annual | Quarterly

Business

Citizens Community Bancorp, Inc. (the "Company") is a Maryland corporation organized in 2004. The Company is a bank holding company and is subject to regulation by the Office of the Comptroller of the Currency ("OCC") and by the Federal Reserve Bank. Our primary activities consist of holding the stock of our wholly-owned subsidiary bank, Citizens Community Federal N.A. (the "Bank"), and providing commercial, agricultural and consumer banking activities through the Bank. At September 30, 2018, we had approximately $975 million in total assets, $747 million in deposits, and $136 million in equity. Unless otherwise noted herein, all monetary amounts in this report, other than share, per share and capital ratio amounts, are stated in thousands.

The Bank is a federally chartered National Bank serving customers in Wisconsin, Minnesota and Michigan through 21 full-service branch locations as of September 30, 2018. Its primary markets include the Chippewa Valley Region in Wisconsin, the Twin Cities and Mankato Minnesota, and various rural communities around these areas. The Bank offers traditional community banking services to businesses, agricultural operators and consumers, including one-to-four family residential mortgages.

Wells Insurance Agency, a Minnesota corporation formed in 1976 and wholly owned subsidiary of the Bank ("WIA"), provides financial and insurance products to customers of the Bank and members of the general public in the Bank's market area. Intercompany interest income and interest expenses are eliminated in the preparation of the consolidated financial statements. WIA maintains adequate cash at the Bank to fund operations.


Valuation ($MM)

Market Cap, Enterprise Value

Balance Sheet ($MM)

Assets, Stockholders' Equity

Income Statement ($MM Annual)

Revenue, Gross Profit, Net Income

Cash Flow ($MM Annual)

Operating, Investing, Financing

Comps ($'000 TTM) Market Cap Gross Margin EV/EBITDA Ret on Assets Assets Liabilities Revenue G Profit Net Income EBITDA EV
First Guaranty Bancshares (FGBI) 172,621 4.0 1% 1,873,441 1,714,303 0 0 12,360 43,031 172,621
Riverview Bancorp (RVSB) 168,247 6.1 1% 1,165,234 1,026,571 0 0 17,016 28,390 171,971
Malvern Bancorp (MLVF) 163,539 0% 0.5 1% 1,265,878 1,126,210 1,430 0 9,275 28,701 13,503
First Capital (FCAP) 161,931 0% 10.9 1% 834,918 740,488 5,383 0 10,040 14,901 161,931
Provident Financial (PROV) 158,990 6.9 0% 1,084,850 964,209 0 0 4,417 12,796 88,358
1st Constitution Bancorp (FCCY) 157,328 0% 3.9 1% 1,304,294 1,169,219 498 0 14,091 32,309 127,214
Oconee Federal Financial (OFED) 147,253 11.6 1% 527,826 439,529 0 0 3,762 9,499 110,563
First Savings Financial Group (FSFG) 137,311 0% 2.4 1% 1,229,372 1,113,382 3,202 0 15,387 29,565 72,206
Citizens Community Bancorp (CZWI) 125,744 10.3 0% 1,348,420 1,205,178 0 0 6,662 25,219 259,131
Salisbury Bancorp (SAL) 110,426 2.3 1% 1,119,212 1,010,264 0 0 10,136 26,474 61,913
Sound Financial Bancorp (SFBC) 92,489 0.8 1% 685,956 611,391 0 0 6,733 15,506 12,067
Lake Shore Bancorp (LSBK) 90,895 0% 10.4 1% 578,052 496,388 872 0 3,761 8,725 90,825
PB Bancorp (PBBI) 84,526 6.5 1% 538,030 452,958 0 0 4,307 9,058 58,854
MSB Financial (MSBF) 82,625 5.4 1% 581,484 515,105 0 0 4,306 12,312 66,952
Community First Bancshares (CFBI) 76,108 14.7 0% 305,088 228,333 0 0 1,312 3,825 56,391
IF Bancorp (IROQ) 75,322 1.2 0% 723,870 641,409 0 0 3,558 13,512 15,722
FFBW (FFBW) 73,372 16.0 0% 258,324 197,140 0 0 1,219 4,245 67,975
Magyar Bancorp (MGYR) 67,931 5.6 0% 632,574 578,332 0 0 2,884 10,741 59,992
Kentucky First Federal Bancorp (KFFB) 66,268 13.2 0% 330,771 264,493 0 0 812 4,278 56,407

Balance Sheet ($'000)2011-09-302012-09-302013-09-302014-09-302015-09-302016-09-302017-09-302018-09-30
Cash31,7633712302356763,51441,67734,494
Accounts Receivable
Inventory
PP&E6,6965,53012,6013,7252,6695,3389,64510,034
Assets536,55755,10354,18557,29360,53575,593940,664975,409
Accounts Payable
Long-Term Debt120,31987,619
Liabilities483,669475,080500,336512,522519,61311,049867,181839,562
Stockholders' Equity52,88855,10354,18557,29360,53564,54473,483135,847
Income Statement ($'000)2011-09-302012-09-302013-09-302014-09-302015-09-302016-09-302017-09-302018-09-30
Revenue
Cost of Revenue
Gross Profit
R&D
SG&A
Tax137-128790861,2141,4841,3232,326
Net Income1932061,0471,7832,6142,5732,4994,283
Cash Flow ($'000)2011-09-302012-09-302013-09-302014-09-302015-09-302016-09-302017-09-302018-09-30
Cash Operating11,470-171-33-66-29-1913,92110,855
Cash Investing8,9840-38,279-25,14128549,27211,785-49,463
Cash Financing-61,1290-108714703,02915,92531,425