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Citizens Community Bancorp, Inc. CZWI R2K

Financial Services · Banks - Regional · United States
https://ccf.us
Company Profile ↓
$23.29
+55.56% 1Y
Mkt Cap$224.61M
P/E15.32
P/B1.82
Div. Yield0.91%
52W High$23.95
52W Low$14.59
Book Value$12.62
EPS (TTM)$1.52

Company Overview

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.

Why Investors Should Care

Reasonable Valuation

Trades at an undemanding P/E of 15.3.

Healthy Margins

Maintains a net profit margin of 24.4%.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.28.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +25.1%, earnings -60.9%.
  • 5-Year Trend Long-term compounding — profit CAGR 2.5%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:25.10%

Compounded Profit Growth

5 Years:2.53%
1 Year:-60.90%

Stock Price Performance

1 Year:+55.56%
6 Months:+30.25%
3 Months:+13.46%
1 Month:+8.53%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 93% of range
$14.59 $23.95
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)59.42 · Neutral
Price Performance
1M+8.53%
3M+13.46%
6M+30.25%
1Y+55.56%
Valuation vs Sector

P/E of 15.32 is above the sector median of 13.52 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 24.4%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

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Valuation

Stock P/E
15.32
Industry PE
13.52
Forward P/E
10.51
PEG Ratio
-
Book Value
$12.62
Price to Book
1.82
P/S
3.61
EV/EBITDA
-
Dividend Yield
0.91%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
2.53%
Revenue (YoY)
25.10%
Earnings (YoY)
-60.90%

Profitability & Returns

ROCE
-
ROE
8.08%
ROA
0.83%
Profit Margin
24.43%
Op Margin
16.56%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.39
EPS (TTM)
$1.52

Balance Sheet & Liquidity

Debt/Equity
0.28
Quick Ratio
-
Current Ratio
-
Debt
$147.50M
Total Assets
$1.82B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
15.82%
Chg in Prom Hold
1.73%
FII / Inst Holding
61.29%
Chg in FII Hold
0.01%

Financial Snapshot

Enterprise Value
$224.61M
Total Revenue (TTM)
$61.30M
EBITDA
-
Free Cash Flow
$10.38M
Operating Cash Flow
$14.06M
Shares Outstanding
9.64M
Gross Margin
0.00%
Payout Ratio
6.86%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 CZWI Citizens Community Bancorp, Inc. R2K 23.29 15.32 $224.61M 0.91% - 8.08% - 2.53%
2 JPM JPMorgan Chase & Co. SPX 346.91 16.61 $929.55B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 488.35 14.54 $682.86B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 355.14 30.99 $589.43B 0.75% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 535.21 30.99 $469.40B 0.65% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 61.59 15.28 $432.24B 1.88% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 228.55 20.70 $360.49B 1.76% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,152.07 17.79 $339.87B 1.58% - 16.95% - 2.21%
9 WFC Wells Fargo & Company SPX 87.51 13.53 $267.80B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Dec 2015Mar 2016Jun 2016Dec 2016Mar 2017Jun 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue -----------------------------------14.18M16.15M16.24M15.72M16.11M
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense -----------------------------------9.51M9.19M9.04M8.71M8.51M
Pretax Income -----------------------------------3.97M4.05M4.54M4.88M4.63M
Tax Provision -----------------------------------777.00K777.00K853.00K614.00K877.00K
Net Income 847.00K675.00K875.00K940.00K934.00K1.08M1.34M1.34M503.00K1.10M1.26M953.00K4.11M1.23M3.17M2.61M3.07M3.48M3.57M5.51M4.71M5.00M6.06M4.71M4.37M3.99M4.70M3.66M3.21M2.50M3.69M4.09M3.67M3.29M2.70M3.20M3.27M3.68M4.27M3.75M
Diluted EPS 0.160.130.160.180.170.200.230.230.080.100.120.090.370.11-0.230.280.31-0.500.440.47-0.450.410.38-0.350.310.24-0.390.350.32-0.320.330.370.440.39

Profit & Loss (Annual)

Figures in USD.

Metric Sep 2009Sep 2010Sep 2011Sep 2012Sep 2013Sep 2014Sep 2015Sep 2016Sep 2017Sep 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Net Income -3.18M-7.09M193.00K206.00K1.05M2.51M2.81M2.57M2.50M4.28M9.46M12.72M21.27M17.76M13.06M13.75M14.42M
Diluted EPS -0.59-1.390.040.040.200.480.540.490.460.580.851.141.981.691.251.341.46

Balance Sheet (Annual)

Figures in USD.

Metric Sep 2008Sep 2009Sep 2010Sep 2011Sep 2012Sep 2013Sep 2014Sep 2015Sep 2016Sep 2017Sep 2018Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --594.37M536.56M530.18M554.52M569.82M580.15M695.87M940.66M975.41M1.29B1.53B1.65B-1.82B1.85B1.75B1.78B
Current Assets -------------------
Cash & Equivalents 23.67M43.19M72.44M31.76M23.26M17.60M11.43M23.87M10.05M41.68M34.49M45.78M55.84M119.44M-35.61M37.14M50.17M118.85M
Inventory -------------------
Receivables ---------------5.29M5.41M5.65M6.13M
Total Liabilities --544.49M483.67M475.08M500.34M511.80M518.70M631.32M867.18M839.56M1.15B1.38B1.49B-1.65B1.68B1.57B1.59B
Current Liabilities -------------------
Long Term Debt --------70.29M120.32M87.62M----72.41M67.47M61.61M51.80M
Total Debt ---------------214.94M147.00M66.61M51.80M
Total Equity 68.48M55.37M49.88M52.89M55.10M54.19M58.02M61.45M64.54M73.48M135.85M138.19M150.55M160.56M-167.09M173.33M179.08M187.94M
Shares Outstanding ---------------10.43M10.44M9.98M9.62M

Cash Flows (Annual)

Figures in USD.

Metric Sep 2009Sep 2010Sep 2011Sep 2012Sep 2013Sep 2014Sep 2015Sep 2016Sep 2017Sep 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 3.78M5.84M10.01M9.08M6.74M7.84M5.78M5.70M1.91M10.86M12.84M23.79M21.60M29.29M13.12M20.40M11.69M
Investing Cash Flow -86.82M-977.00K10.45M-9.52M-38.38M-25.03M285.00K49.27M13.79M-49.46M-63.33M-61.81M-163.20M-119.19M-34.20M113.74M45.71M
Financing Cash Flow 102.57M24.39M-61.13M-8.06M25.98M11.03M6.38M-68.80M15.93M31.43M60.56M101.63M69.85M77.57M22.86M-121.11M11.28M
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-3.78M-3.60M-1.37M-889.00K-1.31M
Free Cash Flow 708.00K5.53M9.43M8.61M6.19M7.35M5.45M4.74M1.30M7.90M6.07M21.21M17.82M25.69M11.76M19.51M10.38M
Share Buybacks 5.26M-------16.00K1.00K02.82M7.95M1.76M421.00K6.10M6.05M
Dividends Paid --00103.00K207.00K418.00K629.00K842.00K1.18M2.20M2.37M2.51M2.74M3.04M3.35M-

Ratios (Annual)

Figures in %.

Metric Sep 2009Sep 2010Sep 2011Sep 2012Sep 2013Sep 2014Sep 2015Sep 2016Sep 2017Sep 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -----------------
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
15.82%
Institutions
61.29%
Public Float
72.81%

Top Institutional Holders

#Holder% HeldSharesValue
1 Wellington Management Group, LLP 6.16% 594.00K $13.64M
2 Blackrock Inc. 5.27% 507.90K $11.67M
3 Manufacturers Life Insurance Co. 5.02% 484.19K $11.12M
4 Vanguard Capital Management LLC 4.78% 461.22K $10.59M
5 Dimensional Fund Advisors LP 3.60% 346.74K $7.96M
6 Acadian Asset Management. LLC 2.64% 254.71K $5.85M
7 Gendell, Jeffrey L. 2.57% 248.32K $5.70M
8 Boston Partners 2.43% 234.61K $5.39M
9 BANC FUNDS CO LLC 2.14% 206.06K $4.73M
10 Geode Capital Management, LLC 2.12% 204.26K $4.69M

Analyst View

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Latest News

Recent headlines for CZWI

Google News Fri, 10 Jul 2026

Citizens Community Bancorp (NASDAQ:CZWI) Downgraded by Hovde Group to Market Perform - MarketBeat

<a href="https://news.google.com/rss/articles/CBMi0AFBVV95cUxQNExYVVV1Nk5YbEdrUkFtS1JzV0FSZzZyQ2g0OXd4RnRDYnRFcU5pa0RVV3ZTM1RTR0tiZVo2SUFJODdOajZkVzR3dkFETWNtMHpjdEhOVnVfMm1KbVRIWm5qaDc2M0MtVWhhVlVvTnN6YkRvVDE1N21jNjItcGMzc3VUWmdWdlhsQWhMND…

Google News hu, 02 Jul 2026

Citizens Community Bancorp (CZWI) is on the Move, Here's Why the Trend Could be Sustainable - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMiowFBVV95cUxOLWlVdUtyRGV3SnhlZFdSdUZma1RwNFZlbEZBalZxNmR1ZlcyN3g1MzZYYzFRbjcxMG9xZ1lSbHFQMl9fUXlfZzVONVdGdkhzQ1dPYWVjM21vSkNJOWduRlRVN3Q3NXltUlRpMHdNd2xCNElOUWM3UW40M1REd0R0SzNpRXRmQ2hwaWY0bH…

Google News Wed, 08 Jul 2026

Family investor group in Citizens Community Bancorp (CZWI) reports 9.1% stake - Stock Titan

<a href="https://news.google.com/rss/articles/CBMiywFBVV95cUxOQzRoZlJxblQ2cHQzVjlhX0NzcnE5Yjh5cnc4ZkRHTU9GNkhJMnZEdXAwRjJWUGwzT3JhMDVEYkhFTFJoR3d4NGpZWW42anZfWU1WZDFiNWFMN19sS1NLWHJPamdIQ01rTUFqRHVzcmktQ0hBdU5LQnpqUXd5LTh0akVvQjZOR1VVdlJQQl…

Google News Fri, 10 Jul 2026

CZWI Downgraded by Hovde Group -- Price Target Raised to $24.00 - GuruFocus

<a href="https://news.google.com/rss/articles/CBMiwwJBVV95cUxPU0RiOGJuTTByZmpxVUE4UnBsYWUtSTJyckNKdkhvNkF0aHVDT1JOY2Rud0VEVXpXWGRTRXNNbS1qVE5PR0ZyOE5LS3JSc1FNZVpZUWlPRWNSYnV5QkNGMjR6Yk1xLWNidV9TZ3NBM0RnNm9tU3Z6QVUxUklvNlFQU3Z4OGhqeW1rRTAwcU…

Google News Mon, 06 Jul 2026

Discipline and Rules-Based Execution in CZWI Response - Stock Traders Daily

<a href="https://news.google.com/rss/articles/CBMizAFBVV95cUxORnlmaWNOemI2WWxYeXpHZ2o2NGJDZ2JPUEJ5NUNjOWt0WFhmcHFaZzNNbDFBb3o2WGtTQ3Y5UTFOeFZvYk5VaHhOR1Nkc3VBNE5QRWFtc001QldsX193Y2RsbzBSM1BPZzBtWG9LMTZUSTNLQTl4dHhzc09ZY01ydG43UFdqaDlqd1ZLcV…

Google News Fri, 03 Jul 2026

CZWI Should I Buy - Intellectia AI

<a href="https://news.google.com/rss/articles/CBMiXkFVX3lxTFBHa081eTh2RXNsRDZPTFdNWnU3dGE1VmdlT09INTVFcWduUDJxTndFOW5MTFNvQkJuTGM5SVEwZU80Y0Q2ZXJYRkRqaWw4QnNsLTNkVEdCVnhjUElJQ0E?oc=5" target="_blank">CZWI Should I Buy</a>&nbsp;&nbsp;<font c…

CZWI — Frequently Asked Questions

What is the current share price of Citizens Community Bancorp, Inc. (CZWI)?

As of 2026-07-15 16:51 PDT, Citizens Community Bancorp, Inc. (CZWI) trades at $23.29 on NasdaqGM. Its 52-week range is $14.59 to $23.95.

What is the market capitalisation of CZWI?

Citizens Community Bancorp, Inc. (CZWI) has a market capitalisation of $224.61M on NasdaqGM.

What is the P/E ratio of CZWI?

CZWI trades at a trailing price-to-earnings (P/E) ratio of 15.32. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is 1.82.

Does CZWI pay a dividend?

Citizens Community Bancorp, Inc. (CZWI) currently offers a dividend yield of 0.91%.

What is the return on equity (ROE) of CZWI?

CZWI has a return on equity (ROE) of 8.08%.

Is CZWI a good stock to buy?

This page provides a data-driven analysis of Citizens Community Bancorp, Inc. (CZWI), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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