Citizens Community Bancorp Inc (CZWI) - Net Assets
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. Check CZWI asset resilience ratio to evaluate the company's liquid asset resilience ratio.
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. Also explore Citizens Community Bancorp Inc balance sheet assets for the complete picture of this company's asset base.
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. For live valuation and market cap data, see market value of Citizens Community Bancorp Inc.
| 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 |
|---|---|
|
Gotland Rederi AB Series B
ST:GOTL-B
|
$200.00 Million |
|
Dream Office Real Estate Investment Trust
TO:D-UN
|
$200.01 Million |
|
Senao Networks
TWO:3558
|
$200.03 Million |
|
Deep Value Driller AS
OL:DVD
|
$200.09 Million |
|
GNA Axles Limited
NSE:GNA
|
$199.90 Million |
|
Seoul Broadcasting System
KO:034120
|
$199.86 Million |
|
Hup Seng Industries Bhd
KLSE:5024
|
$199.85 Million |
|
Intops Co. Ltd
KQ:049070
|
$199.80 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: 1.08x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 6.92x to 1.08x 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 | $20.85 | x |
| 2001-12-31 | $3.20 | $20.85 | x |
| 2002-12-31 | $3.42 | $20.85 | x |
| 2003-12-31 | $3.61 | $20.85 | x |
| 2004-12-31 | $4.46 | $20.85 | x |
| 2005-12-31 | $6.72 | $20.85 | x |
| 2006-12-31 | $17.65 | $20.85 | x |
| 2007-12-31 | $11.22 | $20.85 | x |
| 2008-12-31 | $11.00 | $20.85 | x |
| 2009-12-31 | $10.32 | $20.85 | x |
| 2010-12-31 | $9.74 | $20.85 | x |
| 2011-12-31 | $10.34 | $20.85 | x |
| 2012-12-31 | $10.73 | $20.85 | x |
| 2013-12-31 | $10.35 | $20.85 | x |
| 2014-12-31 | $10.93 | $20.85 | x |
| 2015-12-31 | $11.71 | $20.85 | x |
| 2016-12-31 | $12.09 | $20.85 | x |
| 2017-12-31 | $13.66 | $20.85 | x |
| 2018-12-31 | $12.41 | $20.85 | x |
| 2019-12-31 | $13.54 | $20.85 | x |
| 2020-12-31 | $14.38 | $20.85 | x |
| 2021-12-31 | $15.93 | $20.85 | x |
| 2022-12-31 | $15.89 | $20.85 | x |
| 2023-12-31 | $16.56 | $20.85 | x |
| 2024-12-31 | $17.55 | $20.85 | x |
| 2025-12-31 | $19.36 | $20.85 | 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: $519,829,600
- Average return on equity (ROE) among peers: 6.05%
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 | $199.99 Million |
| Ameris Bancorp (ABCB) | $514.76 Million | 7.94% | 9.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $148.70 Million | 9.23% | 10.41x | $5.70 Billion |
| ACNB Corporation (ACNB) | $93.75 Million | 8.98% | 9.33x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $76.38 Million | 0.59% | 3.01x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $96.99 Million | 6.06% | 10.54x | $647.19 Million |
| Amalgamated Bank (AMAL) | $585.36 Million | 15.03% | 12.62x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $577.58 Million | -0.30% | 12.45x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $249.60 Million | 11.75% | 10.06x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.74 Billion | -4.81% | 7.35x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $116.55 Million | 6.07% | 10.46x | $62.60 Million |
About 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