Citizens Community Bancorp, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Citizens Community Bancorp, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 2/3Sales grew in 1 of the last 3 years; profit grew in 2 of 3.
Less steady than 71% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales fell 7%
Sales fell 7% in 3 years, so extra profit per extra sales cannot be measured.
Asset Productivity Ratio
-7% / -2%In 3 years sales changed by -7% while total assets changed by -2%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
98%Of every $100 the company owns, $98 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 53% of Financial Services companies in United States.
Tangible Net Worth Ratio
81%Of every $100 of net worth, $81 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 54% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Citizens Community Bancorp, Inc. owes $0.89 for every $1 it owns. Net profit rose 5% in the year to Dec 2025, and shrank 7% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
16.4Investors pay $16.4 for every $1 of Citizens Community Bancorp, Inc.'s yearly profit, higher than 69% of Financial Services companies in United States.
P/B ratio
1.08The share price is 1.08 times Citizens Community Bancorp, Inc.'s book value per share, lower than 65% of Financial Services companies in United States.
Market cap
$207 MThe total market value of all of Citizens Community Bancorp, Inc.'s shares at today's price (share price × number of shares), smaller than 81% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$191 MWhat Citizens Community Bancorp, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$19.83Net worth divided by the number of shares. The share price of $21.50 is 1.1 times this, which is the P/B above.
Return on equity (ROE)
6.8%Citizens Community Bancorp, Inc. earned 6.8% on its shareholders' money over the last year, lower than 70% of Financial Services companies in United States.
Owes vs Owns
0.89×Citizens Community Bancorp, Inc. owes $0.89 for every $1 it owns (high), higher than 77% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
1.49%Citizens Community Bancorp, Inc. pays 1.49% of its share price as dividends a year, lower than 80% of dividend-paying Financial Services companies in United States.
Revenue growth
+11%Revenue rose 11% in the year to Dec 2025, and shrank 2% a year on average over 3 years.
Profit growth
+5%Net profit rose 5% in the year to Dec 2025, and shrank 7% a year on average over 3 years.
Profit margin
23.1%Citizens Community Bancorp, Inc. keeps $23 of every $100 of revenue as net profit.
Questions
What is Citizens Community Bancorp, Inc.'s P/E ratio?
Investors pay $16.4 for every $1 of Citizens Community Bancorp, Inc.'s yearly profit, higher than 69% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Citizens Community Bancorp, Inc.: $207 M ÷ $191 M (30 Jun 2026) = 1.1.
What is Citizens Community Bancorp, Inc.'s return on equity?
Citizens Community Bancorp, Inc. earned 6.8% on its shareholders' money over the last year, lower than 70% of Financial Services companies in United States.
How much does Citizens Community Bancorp, Inc. owe compared with what it owns?
Citizens Community Bancorp, Inc. owes $0.89 for every $1 it owns (high), higher than 77% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Citizens Community Bancorp, Inc. pay a dividend?
Yes. Citizens Community Bancorp, Inc. pays 1.49% of its share price as dividends a year, lower than 80% of dividend-paying Financial Services companies in United States.
Is Citizens Community Bancorp, Inc.'s revenue growing?
Revenue rose 11% in the year to Dec 2025, and shrank 2% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.