Citizens Community Bancorp, Inc. CZWI R2K

Financial Services · Banks - Regional · United States

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 certificates of deposit. It also provides various loan products, such as commercial real estate, commercial and industrial, agricultural real estate, agricultural operating, and consumer loans; and one-to-four family residential mortgages and home equity lines-of-credit. In addition, the company maintains a portfolio of investments comprising mortgage-backed, asset-backed, U.S. Government sponsored agency, and corporate debt securities. Citizens Community Bancorp, Inc. was founded in 1938 and is based in Eau Claire, Wisconsin.

Market & Price

Market Cap

$196.74M

Current Price

$20.40

High / Low (52W)

$21.40 / $12.81

Beta

0.55

Valuation

Stock P/E

13.33

Industry PE

12.01

Forward P/E

9.21

PEG Ratio

Book Value

$12.62

Price to Book

1.62

P/S

3.21

EV/EBITDA

Dividend Yield

1.03%

Profitability & Returns

ROCE

ROE

8.08%

ROA

0.83%

Profit Margin

24.43%

Op Margin

16.56%

EPS (Latest Qtr)

$0.39

EPS (TTM)

$1.53

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$147.50M

Total Assets

$1.78B

Current Assets

Working Capital

Ownership

Promoter Holding

6.64%

Chg in Prom Hold

FII / Inst Holding

61.29%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$323.36M

Total Revenue (TTM)

$61.30M

EBITDA

Free Cash Flow

Operating Cash Flow

$14.06M

Shares Outstanding

9.64M

Gross Margin

0.00%

Payout Ratio

6.86%

Growth (CAGR)

Revenue 5Y

-2.49%

Profit 5Y

-6.71%

Revenue (YoY)

25.10%

Earnings (YoY)

-60.90%

PROS

Excellent profit margin of 24.4%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Revenue declined at -2.5% CAGR over 5 years.
Earnings shrank at -6.7% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	CZWI Citizens Community Bancorp, Inc. R2K	20.40	13.33	$196.74M	1.03%	-	8.08%	-2.49%	-6.71%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Dec 2015	Mar 2016	Jun 2016	Dec 2016	Mar 2017	Jun 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	14.18M	16.15M	16.24M	15.72M	16.11M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	9.51M	9.19M	9.04M	8.71M	8.51M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3.97M	4.05M	4.54M	4.88M	4.63M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	777.00K	777.00K	853.00K	614.00K	877.00K
Net Income	847.00K	675.00K	875.00K	940.00K	934.00K	1.08M	1.34M	1.34M	503.00K	1.10M	1.26M	953.00K	4.11M	1.23M	3.17M	2.61M	3.07M	3.48M	3.57M	5.51M	4.71M	5.00M	6.06M	4.71M	4.37M	3.99M	4.70M	3.66M	3.21M	2.50M	3.69M	4.09M	3.67M	3.29M	2.70M	3.20M	3.27M	3.68M	4.27M	3.75M
Diluted EPS	0.16	0.13	0.16	0.18	0.17	0.20	0.23	0.23	0.08	0.10	0.12	0.09	0.37	0.11	-	0.23	0.28	0.31	-	0.50	0.44	0.47	-	0.45	0.41	0.38	-	0.35	0.31	0.24	-	0.39	0.35	0.32	-	0.32	0.33	0.37	0.44	0.39

Profit & Loss (Annual)

Figures in USD.

Metric	Sep 2009	Sep 2010	Sep 2011	Sep 2012	Sep 2013	Sep 2014	Sep 2015	Sep 2016	Sep 2017	Sep 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	67.19M	58.54M	56.29M	62.29M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	13.03M	35.90M	43.14M	36.45M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	23.58M	18.93M	17.45M	17.44M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	5.82M	5.87M	3.70M	3.02M
Net Income	-3.18M	-7.09M	193.00K	206.00K	1.05M	2.51M	2.81M	2.57M	2.50M	4.28M	9.46M	12.72M	-	17.76M	13.06M	13.75M	14.42M
Diluted EPS	-0.59	-1.39	0.04	0.04	0.20	0.48	0.54	0.49	0.46	0.58	0.85	1.14	-	1.69	1.25	1.34	1.46

Compounded Sales Growth

5 Years:	-2.49%
1 Year:	25.10%

Compounded Profit Growth

5 Years:	-6.71%
1 Year:	-60.90%

Stock Price Performance

1 Year:	+39.01%
6 Months:	+19.86%
3 Months:	+17.76%
1 Month:	-1.57%

Balance Sheet (Annual)

Figures in USD.

Metric	Sep 2008	Sep 2009	Sep 2010	Sep 2011	Sep 2012	Sep 2013	Sep 2014	Sep 2015	Sep 2016	Sep 2017	Sep 2018	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	594.37M	536.56M	530.18M	554.52M	569.82M	580.15M	695.87M	940.66M	975.41M	1.29B	1.53B	1.65B	-	1.82B	1.85B	1.75B	1.78B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	23.67M	43.19M	72.44M	31.76M	23.26M	17.60M	11.43M	23.87M	10.05M	41.68M	34.49M	45.78M	55.84M	119.44M	-	35.61M	37.14M	50.17M	118.85M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5.29M	5.41M	5.65M	6.13M
Total Liabilities	-	-	544.49M	483.67M	475.08M	500.34M	511.80M	518.70M	631.32M	867.18M	839.56M	1.15B	1.38B	1.49B	-	1.65B	1.68B	1.57B	1.59B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	70.29M	120.32M	87.62M	-	-	-	-	72.41M	67.47M	61.61M	51.80M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	214.94M	147.00M	66.61M	51.80M
Total Equity	68.48M	55.37M	49.88M	52.89M	55.10M	54.19M	58.02M	61.45M	64.54M	73.48M	135.85M	138.19M	150.55M	160.56M	-	167.09M	173.33M	179.08M	187.94M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	10.43M	10.44M	9.98M	9.62M

Cash Flows (Annual)

Figures in USD.

Metric	Sep 2009	Sep 2010	Sep 2011	Sep 2012	Sep 2013	Sep 2014	Sep 2015	Sep 2016	Sep 2017	Sep 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	3.78M	5.84M	10.01M	9.08M	6.74M	7.84M	5.78M	5.70M	1.91M	10.86M	12.84M	23.79M	-	29.29M	13.12M	20.40M	11.69M
Investing Cash Flow	-86.82M	-977.00K	10.45M	-9.52M	-38.38M	-25.03M	285.00K	49.27M	13.79M	-49.46M	-63.33M	-61.81M	-	-119.19M	-34.20M	113.74M	45.71M
Financing Cash Flow	102.57M	24.39M	-61.13M	-8.06M	25.98M	11.03M	6.38M	-68.80M	15.93M	31.43M	60.56M	101.63M	-	77.57M	22.86M	-121.11M	11.28M
Capital Expenditure	-3.07M	-306.00K	-577.00K	-473.00K	-549.00K	-485.00K	-331.00K	-961.00K	-609.00K	-2.96M	-6.77M	-2.57M	-	-3.60M	-1.37M	-889.00K	-1.31M
Free Cash Flow	708.00K	5.53M	9.43M	8.61M	6.19M	7.35M	5.45M	4.74M	1.30M	7.90M	6.07M	21.21M	-	25.69M	11.76M	19.51M	10.38M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-12.33M	1.77M	13.03M	68.68M
Share Buybacks	5.26M	-	-	-	-	-	-	-	16.00K	1.00K	0	2.82M	7.95M	1.76M	421.00K	6.10M	6.05M
Dividends Paid	-	-	0	0	103.00K	207.00K	418.00K	629.00K	842.00K	1.18M	2.20M	2.37M	2.51M	2.74M	3.04M	3.35M	-

Ratios (Annual)

Figures in %.

Metric	Sep 2009	Sep 2010	Sep 2011	Sep 2012	Sep 2013	Sep 2014	Sep 2015	Sep 2016	Sep 2017	Sep 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	26.4%	22.3%	24.4%	23.1%
ROE %	-5.7%	-14.2%	0.4%	0.4%	1.9%	4.3%	4.6%	4.0%	3.4%	3.2%	6.3%	7.9%	-	10.6%	7.5%	7.7%	7.7%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

6.64%

Institutions

61.29%

Public Float

65.64%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Wellington Management Group, LLP	6.16%	594.00K	$12.12M
2	Blackrock Inc.	5.27%	507.90K	$10.36M
3	Manufacturers Life Insurance Co.	5.02%	484.19K	$9.88M
4	Vanguard Capital Management LLC	4.78%	461.22K	$9.41M
5	Dimensional Fund Advisors LP	3.60%	346.74K	$7.07M
6	Acadian Asset Management. LLC	2.64%	254.71K	$5.20M
7	Gendell, Jeffrey L.	2.57%	248.32K	$5.07M
8	Boston Partners	2.43%	234.61K	$4.79M
9	BANC FUNDS CO LLC	2.14%	206.06K	$4.20M
10	Geode Capital Management, LLC	2.12%	204.26K	$4.17M

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CZWI · Financial Services