Claim 50% Off TipRanks Premium
- Unlock hedge fund-level data and powerful investing tools for smarter, sharper decisions
- Stay ahead of the market with the latest news and analysis and maximize your portfolio's potential
Citizens Community Bancorp ( (CZWI) ) has issued an update.
For the fourth quarter ended December 31, 2025, Citizens Community Bancorp reported improved profitability, with net income rising to $4.3 million, or $0.44 per diluted share, up from $3.7 million ($0.37) in the third quarter and $2.7 million ($0.27) a year earlier, driven by loan and deposit growth, lower credit-loss provisioning, reduced non-interest expenses and a lower effective tax rate tied to tax credit investments. Full-year 2025 earnings increased to $14.4 million, or $1.46 per diluted share, while book value and tangible book value per share continued to strengthen amid modest asset growth to $1.78 billion, stable nonperforming assets, higher special mention and substandard loans, and a solid capital position that supported the repurchase of about 250,000 shares and the Board’s January 22, 2026 decision to shift from an annual to a recurring quarterly cash dividend of $0.105 per share, reflecting a more shareholder-friendly capital return framework.
The most recent analyst rating on (CZWI) stock is a Buy with a $20.00 price target. To see the full list of analyst forecasts on Citizens Community Bancorp stock, see the CZWI Stock Forecast page.
Spark’s Take on CZWI Stock
According to Spark, TipRanks’ AI Analyst, CZWI is a Neutral.
Citizens Community Bancorp’s overall stock score reflects its stable financial performance and reasonable valuation. The company’s strong cash flow generation and low leverage are significant strengths. However, the lack of revenue growth and mixed technical indicators suggest some caution. The absence of earnings call and corporate events data limits further insights.
To see Spark’s full report on CZWI stock, click here.
More about Citizens Community Bancorp
Citizens Community Bancorp, Inc., parent of Citizens Community Federal N.A. and listed on Nasdaq as CZWI, operates as a community banking institution providing loans, deposit products and related financial services, with a focus on growing its customer and deposit base, including retail consumer deposits and commercial lending such as multifamily and C&I loans.
Average Trading Volume: 42,770
Technical Sentiment Signal: Buy
Current Market Cap: $175.8M
See more data about CZWI stock on TipRanks’ Stock Analysis page.