Citizens Community Bancorp Inc
Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal N.A. that provides various traditional community banking services to businesses, agricultural operators, and consumers in the United States, Wisconsin, Minnesota and internationally. The company offers various deposit products, including demand deposits, savings and money market accounts, and certif… Read more
Citizens Community Bancorp Inc (CZWI) - Net Assets
Latest net assets as of December 2025: $187.94 Million USD
Based on the latest financial reports, Citizens Community Bancorp Inc (CZWI) has net assets worth $187.94 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.78 Billion) and total liabilities ($1.59 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $187.94 Million |
| % of Total Assets | 10.55% |
| Annual Growth Rate | 12.84% |
| 5-Year Change | 9.99% |
| 10-Year Change | 194.46% |
| Growth Volatility | 38.36 |
Citizens Community Bancorp Inc - Net Assets Trend (2000–2025)
This chart illustrates how Citizens Community Bancorp Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Citizens Community Bancorp Inc (2000–2025)
The table below shows the annual net assets of Citizens Community Bancorp Inc from 2000 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $187.94 Million | +4.94% |
| 2024-12-31 | $179.08 Million | +3.32% |
| 2023-12-31 | $173.33 Million | +3.74% |
| 2022-12-31 | $167.09 Million | -2.21% |
| 2021-12-31 | $170.87 Million | +6.42% |
| 2020-12-31 | $160.56 Million | +6.65% |
| 2019-12-31 | $150.55 Million | +8.95% |
| 2018-12-31 | $138.19 Million | +88.05% |
| 2017-12-31 | $73.48 Million | +15.13% |
| 2016-12-31 | $63.83 Million | +4.23% |
| 2015-12-31 | $61.24 Million | +6.88% |
| 2014-12-31 | $57.29 Million | +5.74% |
| 2013-12-31 | $54.19 Million | -1.67% |
| 2012-12-31 | $55.10 Million | +4.19% |
| 2011-12-31 | $52.89 Million | +6.04% |
| 2010-12-31 | $49.88 Million | -9.91% |
| 2009-12-31 | $55.37 Million | -19.15% |
| 2008-12-31 | $68.48 Million | -9.63% |
| 2007-12-31 | $75.77 Million | -2.35% |
| 2006-12-31 | $77.59 Million | +162.55% |
| 2005-12-31 | $29.55 Million | +50.74% |
| 2004-12-31 | $19.61 Million | +78.38% |
| 2003-12-31 | $10.99 Million | +5.75% |
| 2002-12-31 | $10.39 Million | +6.82% |
| 2001-12-31 | $9.73 Million | +6.11% |
| 2000-12-31 | $9.17 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Citizens Community Bancorp Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 8999500000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $90.00 Million | 47.89% |
| Common Stock | $96.00K | 0.05% |
| Other Comprehensive Income | $-12.47 Million | -6.63% |
| Other Components | $110.31 Million | 58.70% |
| Total Equity | $187.94 Million | 100.00% |
Citizens Community Bancorp Inc Competitors by Market Cap
The table below lists competitors of Citizens Community Bancorp Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Shenzhen Keanda Electronic Techno
SHE:002972
|
$162.88 Million |
|
Columbus Circle Capital Corp I
NASDAQ:BRR
|
$162.89 Million |
|
Motorcar Parts of America Inc
NASDAQ:MPAA
|
$162.92 Million |
|
D2L Inc
PINK:DTLIF
|
$162.93 Million |
|
Westwing Group SE
LSE:0AA2
|
$162.84 Million |
|
Tederic Machinery Co Ltd
SHG:603289
|
$162.83 Million |
|
Nihon Chouzai Co.Ltd
PINK:NHCZF
|
$162.79 Million |
|
Dynamix Corporation Unit
NASDAQ:DYNXU
|
$162.78 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Citizens Community Bancorp Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 179,084,000 to 187,939,000, a change of 8,855,000 (4.9%).
- Net income of 14,420,000 contributed positively to equity growth.
- Dividend payments of 3,598,000 reduced retained earnings.
- Share repurchases of 6,245,000 reduced equity.
- Other comprehensive income increased equity by 3,953,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $14.42 Million | +7.67% |
| Dividends Paid | $3.60 Million | -1.91% |
| Share Repurchases | $6.25 Million | -3.32% |
| Other Comprehensive Income | $3.95 Million | +2.1% |
| Other Changes | $325.00K | +0.17% |
| Total Change | $- | 4.94% |
Book Value vs Market Value Analysis
This analysis compares Citizens Community Bancorp Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.96x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 6.18x to 0.96x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2000-12-31 | $3.01 | $18.64 | x |
| 2001-12-31 | $3.20 | $18.64 | x |
| 2002-12-31 | $3.42 | $18.64 | x |
| 2003-12-31 | $3.61 | $18.64 | x |
| 2004-12-31 | $4.46 | $18.64 | x |
| 2005-12-31 | $6.72 | $18.64 | x |
| 2006-12-31 | $17.65 | $18.64 | x |
| 2007-12-31 | $11.22 | $18.64 | x |
| 2008-12-31 | $11.00 | $18.64 | x |
| 2009-12-31 | $10.32 | $18.64 | x |
| 2010-12-31 | $9.74 | $18.64 | x |
| 2011-12-31 | $10.34 | $18.64 | x |
| 2012-12-31 | $10.73 | $18.64 | x |
| 2013-12-31 | $10.35 | $18.64 | x |
| 2014-12-31 | $10.93 | $18.64 | x |
| 2015-12-31 | $11.71 | $18.64 | x |
| 2016-12-31 | $12.09 | $18.64 | x |
| 2017-12-31 | $13.66 | $18.64 | x |
| 2018-12-31 | $12.41 | $18.64 | x |
| 2019-12-31 | $13.54 | $18.64 | x |
| 2020-12-31 | $14.38 | $18.64 | x |
| 2021-12-31 | $15.93 | $18.64 | x |
| 2022-12-31 | $15.89 | $18.64 | x |
| 2023-12-31 | $16.56 | $18.64 | x |
| 2024-12-31 | $17.55 | $18.64 | x |
| 2025-12-31 | $19.36 | $18.64 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Citizens Community Bancorp Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 7.67%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 16.01%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 9.48x
- Recent ROE (7.67%) is above the historical average (3.80%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2000 | 8.50% | 68.63% | 0.01x | 10.77x | $-137.90K |
| 2001 | 5.75% | 45.45% | 0.01x | 11.11x | $-413.90K |
| 2002 | 6.39% | 44.80% | 0.01x | 11.09x | $-375.30K |
| 2003 | 5.44% | 12.16% | 0.04x | 11.86x | $-501.60K |
| 2004 | 4.27% | 7.61% | 0.07x | 8.26x | $-1.12 Million |
| 2005 | 3.56% | 7.54% | 0.06x | 8.31x | $-1.90 Million |
| 2006 | 0.57% | 2.63% | 0.06x | 3.74x | $-7.31 Million |
| 2007 | 0.98% | 3.53% | 0.05x | 5.40x | $-6.83 Million |
| 2008 | 2.15% | 5.18% | 0.06x | 7.01x | $-5.37 Million |
| 2009 | -5.75% | -9.66% | 0.06x | 10.39x | $-8.72 Million |
| 2010 | -14.22% | -18.29% | 0.07x | 11.92x | $-12.08 Million |
| 2011 | 0.36% | 0.60% | 0.06x | 10.15x | $-5.10 Million |
| 2012 | 0.37% | 0.72% | 0.05x | 9.62x | $-5.30 Million |
| 2013 | 1.93% | 3.79% | 0.05x | 10.23x | $-4.37 Million |
| 2014 | 3.11% | 6.50% | 0.05x | 9.95x | $-3.95 Million |
| 2015 | 4.58% | 10.42% | 0.05x | 9.50x | $-3.32 Million |
| 2016 | 4.03% | 8.87% | 0.04x | 10.75x | $-3.81 Million |
| 2017 | 3.40% | 7.73% | 0.03x | 12.80x | $-4.85 Million |
| 2018 | 3.10% | 156.60% | 0.00x | 9.32x | $-9.54 Million |
| 2019 | 6.29% | 12.92% | 0.05x | 10.17x | $-5.59 Million |
| 2020 | 7.93% | 15.39% | 0.05x | 10.27x | $-3.33 Million |
| 2021 | 12.45% | 26.56% | 0.05x | 10.18x | $4.18 Million |
| 2022 | 10.63% | 22.14% | 0.04x | 10.87x | $1.05 Million |
| 2023 | 7.53% | 13.83% | 0.05x | 10.68x | $-4.27 Million |
| 2024 | 7.68% | 13.83% | 0.06x | 9.76x | $-4.16 Million |
| 2025 | 7.67% | 16.01% | 0.05x | 9.48x | $-4.37 Million |
Industry Comparison
This section compares Citizens Community Bancorp Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Citizens Community Bancorp Inc (CZWI) | $187.94 Million | 8.50% | 8.48x | $162.84 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |