Citizens Community Bancorp, Inc. Financial Ratios — CZWI

Profitability (USD)

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	13.95	51.02	53.83	49.59	31.43	25.01	34.35	- -	49.8	45.81	50.81	30.55	19.1	18.07	16.86
Return on Assets (%)	0.04	0.19	0.32	0.49	0.4	0.31	0.45	- -	0.67	0.8	1.26	1	0.71	0.76	0.82
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	- -	100	100	100	100	100	100	100
EBITDA Margin (%)	5.65	5.09	5.06	6.4	4.93	4.19	5.47	- -	7.4	9.69	5.8	5.99	6.39	6.08	5.19
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	1.66	7.54	12.21	19.66	16.08	14.31	17.8	- -	21.8	25.26	41.55	35.09	32.34	31	28
Profit Margin (%)	0.93	4.69	7.69	12.48	10.72	9.36	11.53	- -	16.8	18.6	30.52	26.43	22.31	24.43	23.15
Net Income to Common Margin (%)	0.93	4.69	7.69	12.48	10.72	9.36	11.53	- -	16.8	18.6	30.52	26.43	22.31	24.43	23.15
Effective Tax Rate (%)	43.87	37.75	37	36.52	33.32	34.62	35.19	- -	22.92	26.36	26.57	24.68	31.02	21.2	17.32
Dvd Payout Ratio (%)	- -	9.84	11.61	14.9	24.45	33.69	27.57	- -	23.23	18.64	11.81	15.44	23.28	24.33	24.95
Sustainable Growth Rate (%)	13.95	46	47.58	42.21	23.74	16.58	24.88	- -	38.23	37.27	44.81	25.83	14.66	13.68	12.66

Credit (USD)

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	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	98	100	118	118	70	120	88	134	175	182	170	215	147	67	52
ST Debt	49	50	59	59	59	90	63	110	131	123	112	143	80	5	- -
LT Debt	49	50	59	59	11	30	25	25	44	58	58	72	67	62	52
Total Debt/EBITDA	78.67	88.11	100.41	81.85	59.47	107.52	43.1	- -	41.87	27.44	42.05	53.36	39.29	19.46	16.02
Net Debt/EBITDA	60.1	70.85	90.45	63.18	50.34	63	22.6	- -	27.34	8.85	29.87	44.52	29.37	4.8	-20.73
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	0.3	0.46	0.72	1.24	1.32	1.15	1.45	1.19	1.48	2	2.92	3.61	3.85	4.63	5.06
Long-Term Debt/Equity (%)	89.38	92.28	102.79	95.83	17.04	41.26	18.12	17.84	28.93	36.33	34.19	43.34	38.92	34.4	27.56
Long-Term Debt/Capital (%)	49.21	48.77	48.32	47.11	13.85	23.12	24.2	16.45	22.09	27.16	26.47	25.82	30.92	41.75	36.51
Long-Term Debt/Total Assets (%)	9.29	9.02	10.34	10.15	1.58	3.22	2.52	1.91	2.84	3.54	3.36	3.99	3.64	3.52	2.91
Total Debt/Equity (%)	178.76	184.55	205.58	191.66	108.9	163.74	64.5	97.3	115.93	113.24	99.47	128.64	84.8	37.19	27.56
Total Debt/Capital (%)	98.42	97.54	96.64	94.23	88.47	91.75	86.13	89.74	88.52	84.67	76.99	76.64	67.36	45.14	36.51
Total Debt/Total Assets (%)	18.58	18.03	20.67	20.3	10.1	12.79	8.98	10.44	11.4	11.03	9.77	11.83	7.94	3.81	2.91
Net Debt to Equity	136.55	148.4	185.19	147.95	92.19	95.93	33.82	58.78	75.69	36.52	70.67	107.32	63.38	9.18	-35.68
Net Debt/Capital (%)	97.94	96.96	96.28	92.65	86.66	86.69	76.5	84.09	83.43	64.04	70.4	73.25	60.67	16.88	-290.99
EBITDA	1	1	1	1	1	1	2	- -	4	7	4	4	4	3	3
EBITDA-CapEx	1	1	1	1	1	1	2	- -	4	7	4	4	4	3	3
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	0.3	0.46	0.72	1.24	1.32	1.15	1.45	1.19	1.48	2	2.92	3.61	3.85	4.63	5.06
Long-Term Debt/Equity (%)	89.38	92.28	102.79	95.83	17.04	41.26	18.12	17.84	28.93	36.33	34.19	43.34	38.92	34.4	27.56
Long-Term Debt/Capital (%)	49.21	48.77	48.32	47.11	13.85	23.12	24.2	16.45	22.09	27.16	26.47	25.82	30.92	41.75	36.51
Long-Term Debt/Total Assets (%)	9.29	9.02	10.34	10.15	1.58	3.22	2.52	1.91	2.84	3.54	3.36	3.99	3.64	3.52	2.91
Total Debt/Equity (%)	178.76	184.55	205.58	191.66	108.9	163.74	64.5	97.3	115.93	113.24	99.47	128.64	84.8	37.19	27.56
Total Debt/Capital (%)	98.42	97.54	96.64	94.23	88.47	91.75	86.13	89.74	88.52	84.67	76.99	76.64	67.36	45.14	36.51
Total Debt/Total Assets (%)	18.58	18.03	20.67	20.3	10.1	12.79	8.98	10.44	11.4	11.03	9.77	11.83	7.94	3.81	2.91
CFO/Total Liabilities	1.91	1.35	1.53	1.11	0.9	0.22	1.29	- -	0.93	1.6	1.38	1.78	0.78	1.3	0.73
CFO/CapEx	19.19	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Altman's Z-Score	0.08	0.09	0.1	0.11	0.11	0.1	0.17	0.02	0.12	0.12	0.14	0.14	0.13	0.16	0.17

Working Capital (USD)

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	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	14.4	14.68	15.73	14.73	13.31	10.03	10.78	- -	12.45	13.17	14.57	14.61	10.95	10.18	10.58
Days Sales Outstanding	25.35	24.86	23.21	24.78	27.43	36.38	33.86	- -	29.31	27.72	25.06	24.99	33.34	35.87	34.51
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	30	38	45	46	59	74	153	- -	136	122	148	126	122	167	176
- Cash & Cash Equivalents	23	20	12	27	11	50	42	53	61	123	49	36	37	50	119
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	98	100	118	118	70	120	88	134	175	182	170	215	147	67	52
Enterprise Value	38	39	89	57	38	49	80	-66	70	180	269	306	159	111	40
Total Capital	100	103	122	125	79	131	102	150	197	215	221	280	218	148	142
Total Debt/Capital (%)	98.42	97.54	96.64	94.23	88.47	91.75	86.13	89.74	88.52	84.67	76.99	76.64	67.36	45.14	36.51
Total Debt / EV	2.56	2.59	1.32	2.06	1.83	2.47	1.09	-2.05	2.5	1.01	0.63	0.7	0.93	0.6	1.29
EV/Sales	1.73	1.73	3.84	2.55	1.6	1.83	2.16	- -	1.24	2.63	3.85	4.55	2.71	1.97	0.64
EV/EBITDA	30.69	34.07	75.87	39.76	32.47	43.6	39.48	- -	16.76	27.19	66.43	75.91	42.43	32.32	12.42
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	4.23	5.73	11.36	9.9	6.74	25.5	7.39	- -	5.44	7.58	12.43	10.44	12.09	5.42	3.43
EV/Free Cash Flow to Firm	4.02	5.73	11.36	9.9	6.74	25.5	7.39	- -	5.44	7.58	12.43	10.44	12.09	5.42	3.43
Diluted Market Cap	30	38	46	46	59	75	153	- -	136	122	148	126	123	167	176
Diluted Enterprise Value	106	118	153	137	119	146	199	81	250	180	269	306	232	184	109
EV per Share	7.48	7.39	17.47	10.94	7.27	9.17	7.35	- -	6.28	16.14	25	29.09	15.19	10.78	4.07
TTM Sales	22	22	23	22	24	27	37	- -	56	68	70	67	59	56	62
TTM EBITDA	1	1	1	1	1	1	2	- -	4	7	4	4	4	3	3
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	9	7	8	6	6	2	11	- -	13	24	22	29	13	20	12
TTM Free Cash Flow to Firm	10	7	8	6	6	2	11	- -	13	24	22	29	13	20	12

Multiples (USD)

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	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	3.17	5.63	5.92	8	10.36	39.22	14.08	- -	10.6	5.11	6.85	4.32	9.34	8.2	15.05
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	38	39	89	57	38	49	80	-66	70	180	269	306	159	111	40
Low Price	4.51	5.56	7.21	8.56	8.8	10.8	13	10.5	10.52	5.26	10.42	11.35	7.61	10.14	12.69
EV/Sales	1.73	1.73	3.84	2.55	1.6	1.83	2.16	- -	1.24	2.63	3.85	4.55	2.71	1.97	0.64
EV/EBITDA	30.69	34.07	75.87	39.76	32.47	43.6	39.48	- -	16.76	27.19	66.43	75.91	42.43	32.32	12.42
Price/Earnings	147.03	36.25	25.29	16.47	22.93	29.68	35.67	- -	14.38	9.55	6.95	7.12	9.37	12.16	12.21
Price/Earnings Average	139.41	33.48	23.06	16.95	19.63	27.63	35.29	- -	13.45	7.29	6.63	8.01	8.26	9.56	10.61
Price/Earnings High	156.5	38.75	26.74	17.7	23.79	30.7	36.31	- -	15	10.89	7.48	9.76	10.43	12.72	12.84
Price/Earnings Low	112.39	27.8	20.6	15.95	18.05	22.98	33.13	- -	12.38	4.61	5.26	6.72	6.09	7.57	8.69
Price/Book Value	19.17	15.04	10.99	6.41	6.44	6.85	10.83	- -	6.01	3.69	2.91	1.93	1.72	2.07	1.95
Price/Book Value Average	18.18	13.89	10.02	6.59	5.51	6.38	10.71	- -	5.62	2.82	2.78	2.17	1.52	1.62	1.7
Price/Book Value High	20.4	16.07	11.63	6.88	6.68	7.09	11.02	- -	6.27	4.21	3.13	2.65	1.91	2.16	2.05
Price/Book Value Low	14.65	11.53	8.96	6.2	5.07	5.31	10.05	- -	5.18	1.78	2.2	1.82	1.12	1.29	1.39
Price/Tangible Book Value	0.55	0.7	0.79	0.75	1	1.33	1.29	- -	1.27	1.01	1.13	0.98	0.9	1.17	1.15
Price/Tangible Book Value Average	0.52	0.65	0.72	0.78	0.86	1.24	1.27	- -	1.19	0.77	1.07	1.1	0.79	0.92	1
Price/Tangible Book Value High	0.59	0.75	0.83	0.81	1.04	1.38	1.31	- -	1.32	1.15	1.21	1.34	1	1.22	1.21
Price/Tangible Book Value Low	0.42	0.54	0.64	0.73	0.79	1.03	1.19	- -	1.09	0.49	0.85	0.93	0.58	0.73	0.82
Price/Sales	1.37	1.7	1.95	2.06	2.46	2.78	4.11	- -	2.42	1.78	2.12	1.88	2.09	2.97	2.83
Price/Sales Average	1.3	1.57	1.77	2.12	2.11	2.59	4.07	- -	2.26	1.36	2.02	2.12	1.84	2.34	2.46
Price/Sales High	1.45	1.82	2.06	2.21	2.55	2.87	4.19	- -	2.52	2.03	2.28	2.58	2.33	3.11	2.97
Price/Sales Low	1.04	1.3	1.58	1.99	1.94	2.15	3.82	- -	2.08	0.86	1.61	1.78	1.36	1.85	2.01
Price/Cash Flow	3.34	5.63	5.75	8	10.36	38.77	14.08	- -	10.6	5.11	6.85	4.32	9.32	8.19	15.05
Price/Cash Flow Average	3.16	5.2	5.25	8.23	8.86	36.09	13.92	- -	9.92	3.9	6.53	4.86	8.22	6.45	13.09
Price/Cash Flow High	3.55	6.02	6.09	8.6	10.74	40.11	14.33	- -	11.06	5.82	7.36	5.92	10.38	8.57	15.83
Price/Cash Flow Low	2.55	4.32	4.69	7.75	8.15	30.02	13.07	- -	9.12	2.47	5.18	4.07	6.06	5.1	10.72
Price/Free Cash Flow Average	3.01	5.2	5.4	8.23	8.86	36.51	13.92	- -	9.92	3.9	6.53	4.86	8.24	6.45	13.09
Price/Free Cash Flow High	3.38	6.02	6.26	8.6	10.74	40.57	14.33	- -	11.06	5.82	7.36	5.92	10.4	8.57	15.83
Price/Free Cash Flow Low	2.42	4.32	4.83	7.75	8.15	30.37	13.07	- -	9.12	2.47	5.18	4.07	6.07	5.1	10.72
EV/Sales Average	4.69	5.17	6.35	6.16	4.59	5.23	5.31	- -	4.28	2.21	3.76	4.79	3.72	2.63	1.38
EV/Sales High	4.85	5.42	6.64	6.25	5.03	5.51	5.42	- -	4.54	2.88	4.02	5.25	4.2	3.4	1.89
EV/Sales Low	4.44	4.91	6.16	6.04	4.42	4.79	5.06	- -	4.1	1.72	3.34	4.44	3.23	2.14	0.94
EV/EBITDA Average	83.03	101.73	125.5	96.24	93.07	124.7	96.94	- -	57.88	22.85	64.78	79.85	58.21	43.22	26.59
EV/EBITDA High	85.85	106.59	131.1	97.7	102.14	131.56	99.1	- -	61.39	29.76	69.23	87.54	65.78	55.89	36.5
EV/EBITDA Low	78.59	96.49	121.77	94.28	89.63	114.31	92.39	- -	55.44	17.71	57.56	74.13	50.62	35.2	18.02
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	5.9	7.25	8.85	8.84	11.18	13.95	14	10.9	12.22	10.89	13.77	12.03	11.71	16.29	17.82
High Price	6.28	7.75	9.36	9.5	11.6	14.43	14.25	14.25	12.75	12.41	14.81	16.49	13.04	17.04	18.74
Enterprise Value Average	104	115	147	138	110	140	197	81	241	151	262	322	218	148	86
Enterprise Value High	107	121	154	141	121	147	201	81	256	197	280	353	246	191	118
Enterprise Value Low	98	110	143	136	106	128	188	81	231	117	233	299	189	120	58

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	5	5	5	5	5	6	11	11	11	11	11	10	10	10	10
Diluted Weighted Avg Shares	5	5	5	5	5	5	11	- -	11	11	11	11	10	10	10
Basic Weighted Avg Shares	5	5	5	5	5	5	11	- -	11	11	11	11	10	10	10
Revenue per Share	4.32	4.26	4.55	4.3	4.55	5.02	3.4	- -	5.06	6.13	6.49	6.39	5.6	5.49	6.31
EBITDA per Share	0.24	0.22	0.23	0.28	0.22	0.21	0.19	- -	0.37	0.59	0.38	0.38	0.36	0.33	0.33
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.04	0.2	0.35	0.54	0.49	0.47	0.39	- -	0.85	1.14	1.98	1.69	1.25	1.34	1.46
Basic EPS from Cont Ops	0.04	0.2	0.35	0.54	0.49	0.47	0.39	- -	0.85	1.14	1.98	1.69	1.25	1.34	1.46
Diluted EPS, GAAP	0.04	0.2	0.34	0.54	0.49	0.46	0.39	- -	0.85	1.14	1.98	1.69	1.25	1.34	1.46
Diluted EPS from Cont Ops	0.04	0.2	0.34	0.54	0.49	0.46	0.39	- -	0.85	1.14	1.98	1.69	1.25	1.34	1.46
Dividend per Share	- -	0.02	0.04	0.08	0.12	0.16	0.11	- -	0.2	0.21	0.23	0.26	0.29	0.33	0.36
Cash Flow per Share	1.77	1.29	1.54	1.11	1.08	0.36	0.99	- -	1.15	2.13	2.01	2.79	1.26	1.99	1.18
Free Cash Flow per Basic Share	1.68	1.29	1.54	1.11	1.08	0.36	0.99	- -	1.15	2.13	2.01	2.79	1.26	1.99	1.18
Cash & Equivalents per Share	17.6	18.97	14.5	20.43	17.23	27.4	14.67	- -	21.62	11.04	4.59	3.39	10.59	12	19
Book Value per Share	0.31	0.48	0.81	1.38	1.74	2.04	1.29	- -	2.03	2.95	4.73	6.23	6.82	7.89	9.12
Tangible Book Value per Share	10.68	10.31	11.21	11.73	11.18	10.48	10.88	- -	9.63	10.78	12.23	12.26	13.04	13.93	15.45

Citizens Community Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)