Citizens Net Debt from 2010 to 2024

CZWI Stock  USD 11.26  0.09  0.81%   
Citizens Community's Net Debt is increasing with slightly volatile movements from year to year. Net Debt is predicted to flatten to about 61.5 M. Net Debt is the total debt of Citizens Community Bancorp minus its cash and cash equivalents. It represents the actual debt burden on the company after accounting for the liquid assets it holds. View All Fundamentals
 
Net Debt  
First Reported
2003-09-30
Previous Quarter
111.5 M
Current Value
80 M
Quarterly Volatility
46.7 M
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
Check Citizens Community financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Citizens Community's main balance sheet or income statement drivers, such as Interest Expense of 37.7 M, Total Revenue of 98.5 M or Gross Profit of 98.5 M, as well as many indicators such as Price To Sales Ratio of 1.24, Dividend Yield of 0.026 or PTB Ratio of 1.4. Citizens financial statements analysis is a perfect complement when working with Citizens Community Valuation or Volatility modules.
  
Check out the analysis of Citizens Community Correlation against competitors.

Latest Citizens Community's Net Debt Growth Pattern

Below is the plot of the Net Debt of Citizens Community Bancorp over the last few years. It is the total debt of a company minus its cash and cash equivalents. It represents the actual debt burden on the company after accounting for the liquid assets it holds. Citizens Community's Net Debt historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Citizens Community's overall financial position and show how it may be relating to other accounts over time.
Net Debt10 Years Trend
Slightly volatile
   Net Debt   
       Timeline  

Citizens Net Debt Regression Statistics

Arithmetic Mean64,984,761
Geometric Mean50,005,615
Coefficient Of Variation78.22
Mean Deviation38,316,725
Median59,500,000
Standard Deviation50,831,961
Sample Variance2583.9T
Range190.2M
R-Value0.80
Mean Square Error979.5T
R-Squared0.65
Significance0.0003
Slope9,149,732
Total Sum of Squares36174.4T

Citizens Net Debt History

202461.5 M
2023111.5 M
2022179.3 M
2021120.8 M
202058.6 M
2019113.9 M
201881.2 M

Other Fundumenentals of Citizens Community

Citizens Community Net Debt component correlations

0.990.540.8-0.520.880.870.990.790.10.740.890.970.950.840.910.890.91-0.640.910.920.92-0.56
0.990.510.78-0.540.850.870.980.770.070.760.910.950.950.860.920.920.9-0.710.890.930.92-0.53
0.540.510.47-0.360.670.370.590.590.740.190.330.440.480.220.410.340.41-0.180.50.360.37-0.77
0.80.780.47-0.360.690.810.760.760.310.670.790.720.730.870.810.760.76-0.50.80.80.78-0.25
-0.52-0.54-0.36-0.36-0.7-0.37-0.55-0.590.09-0.31-0.48-0.57-0.67-0.29-0.6-0.61-0.640.78-0.58-0.61-0.660.51
0.880.850.670.69-0.70.650.910.920.140.440.660.890.850.590.780.720.92-0.580.90.790.88-0.8
0.870.870.370.81-0.370.650.840.570.130.840.960.830.850.880.920.930.73-0.620.880.930.81-0.19
0.990.980.590.76-0.550.910.840.80.090.690.860.970.950.790.890.870.92-0.630.910.90.91-0.64
0.790.770.590.76-0.590.920.570.80.230.330.580.770.70.610.720.610.89-0.550.830.70.84-0.66
0.10.070.740.310.090.140.130.090.230.040.03-0.080.020.030.07-0.01-0.10.170.08-0.04-0.08-0.23
0.740.760.190.67-0.310.440.840.690.330.040.850.690.820.810.750.860.56-0.490.620.80.63-0.04
0.890.910.330.79-0.480.660.960.860.580.030.850.840.890.930.970.980.76-0.770.850.970.82-0.23
0.970.950.440.72-0.570.890.830.970.77-0.080.690.840.930.770.860.870.95-0.640.920.920.95-0.56
0.950.950.480.73-0.670.850.850.950.70.020.820.890.930.780.910.940.87-0.710.870.940.89-0.52
0.840.860.220.87-0.290.590.880.790.610.030.810.930.770.780.890.880.75-0.640.780.880.78-0.12
0.910.920.410.81-0.60.780.920.890.720.070.750.970.860.910.890.970.83-0.810.910.980.86-0.37
0.890.920.340.76-0.610.720.930.870.61-0.010.860.980.870.940.880.970.8-0.810.870.980.86-0.29
0.910.90.410.76-0.640.920.730.920.89-0.10.560.760.950.870.750.830.8-0.680.920.880.97-0.58
-0.64-0.71-0.18-0.50.78-0.58-0.62-0.63-0.550.17-0.49-0.77-0.64-0.71-0.64-0.81-0.81-0.68-0.64-0.78-0.730.25
0.910.890.50.8-0.580.90.880.910.830.080.620.850.920.870.780.910.870.92-0.640.940.92-0.51
0.920.930.360.8-0.610.790.930.90.7-0.040.80.970.920.940.880.980.980.88-0.780.940.91-0.35
0.920.920.370.78-0.660.880.810.910.84-0.080.630.820.950.890.780.860.860.97-0.730.920.91-0.45
-0.56-0.53-0.77-0.250.51-0.8-0.19-0.64-0.66-0.23-0.04-0.23-0.56-0.52-0.12-0.37-0.29-0.580.25-0.51-0.35-0.45
Click cells to compare fundamentals

About Citizens Community Financial Statements

There are typically three primary documents that fall into the category of financial statements. These documents include Citizens Community income statement, its balance sheet, and the statement of cash flows. Citizens Community investors use historical funamental indicators, such as Citizens Community's Net Debt, to determine how well the company is positioned to perform in the future. Although Citizens Community investors may use each financial statement separately, they are all related. The changes in Citizens Community's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Citizens Community's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. We offer a historical overview of the basic patterns found on Citizens Community Financial Statements. Understanding these patterns can help to make the right decision on long term investment in Citizens Community. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Net Debt111.5 M61.5 M
Net Debt To EBITDA 35.68  37.47 

Currently Active Assets on Macroaxis

Additional Information and Resources on Investing in Citizens Stock

When determining whether Citizens Community offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Citizens Community's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Citizens Community Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Citizens Community Bancorp Stock:
Check out the analysis of Citizens Community Correlation against competitors.
You can also try the Global Markets Map module to get a quick overview of global market snapshot using zoomable world map. Drill down to check world indexes.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Citizens Community. If investors know Citizens will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Citizens Community listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.115
Dividend Share
0.32
Earnings Share
1.29
Revenue Per Share
5.736
Quarterly Revenue Growth
0.062
The market value of Citizens Community is measured differently than its book value, which is the value of Citizens that is recorded on the company's balance sheet. Investors also form their own opinion of Citizens Community's value that differs from its market value or its book value, called intrinsic value, which is Citizens Community's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Citizens Community's market value can be influenced by many factors that don't directly affect Citizens Community's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Citizens Community's value and its price as these two are different measures arrived at by different means. Investors typically determine if Citizens Community is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Citizens Community's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.