Citizens Community Bancorp (CZWI)
NASDAQ:CZWI
CZWI Stock Chart & Stats
$18.32
$0.04(0.28%)
At close: 4:00 PM EST
$18.32
$0.04(0.28%)
Day’s Range― - ―
52-Week Range$12.69 - $19.95
Previous CloseN/A
Volume2.57K
Average Volume (3M)36.70K
Market Cap
$190.65M
Enterprise Value$127.06M
Total Cash (Recent Filing)$252.96M
Total Debt (Recent Filing)$51.80M
Price to Earnings (P/E)12.0
Beta0.40
Next Earnings
May 04, 2026EPS Estimate
0.36Next Dividend Ex-DateN/A
Dividend Yield2%
Share Statistics
EPS (TTM)0.44
Shares Outstanding9,628,612
10 Day Avg. Volume23,335
30 Day Avg. Volume36,697
Financial Highlights & Ratios
PEG Ratio1.34
Price to Book (P/B)0.92
Price to Sales (P/S)1.92
P/FCF Ratio16.66
Enterprise Value/Market Cap0.67
Enterprise Value/Revenue1.41
Enterprise Value/Gross Profit2.58
Enterprise Value/Ebitda14.28
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.75
Revenue Forecast (FY)$69.10M
Bulls Say, Bears Say
Bulls Say
Balance-sheet StrengthMaterial de-leveraging and steady equity growth create durable financial flexibility. Lower debt-to-equity and rising book/tangible book provide capacity to absorb credit stress, fund measured loan growth, and support capital returns without compromising regulatory or liquidity buffers.
Free Cash Flow GenerationConsistent positive free cash flow that equaled net income and expanded year-over-year underpins self-funding capacity. Durable FCF supports dividends, buybacks and organic growth while reducing reliance on external funding, strengthening long-term financial resilience.
Shareholder-friendly Capital PolicyTransition to a recurring quarterly dividend and executed buybacks signal disciplined capital allocation and a long-term shareholder-return focus. Backed by strong capital and liquidity, this supports investor confidence and aligns management incentives with sustained profitability and efficiency targets.
Bears Say
Revenue ContractionFalling revenue reduces operating leverage and constrains durable profit growth. A sustained top-line decline limits the bank's ability to scale core net interest and fee income, forcing heavier reliance on expense cuts or capital distribution trade-offs to maintain returns.
Operating Margin CompressionSharp, persistent compression in operating margins signals weakening core profitability and impaired operating leverage. If structural, this reduces excess earnings available for reinvestment or distributions and makes targets for ROA/ROTCE harder to achieve absent revenue or efficiency improvements.
Cash-flow VolatilitySignificant year-to-year swings in operating cash flow undermine predictability of internal funding for lending and buybacks. Volatility increases reliance on deposits or wholesale funding during down years and raises execution risk for multi-year strategic commitments.
Citizens Community Bancorp News
CZWI FAQ
What was Citizens Community Bancorp’s price range in the past 12 months?
Citizens Community Bancorp lowest stock price was $12.69 and its highest was $19.95 in the past 12 months.
What is Citizens Community Bancorp’s market cap?
Citizens Community Bancorp’s market cap is $190.65M.
When is Citizens Community Bancorp’s upcoming earnings report date?
Citizens Community Bancorp’s upcoming earnings report date is May 04, 2026 which is in 32 days.
How were Citizens Community Bancorp’s earnings last quarter?
Citizens Community Bancorp released its earnings results on Jan 27, 2026. The company reported $0.44 earnings per share for the quarter, beating the consensus estimate of $0.395 by $0.045.
Is Citizens Community Bancorp overvalued?
According to Wall Street analysts Citizens Community Bancorp’s price is currently Overvalued.
Does Citizens Community Bancorp pay dividends?
Citizens Community Bancorp pays a Annually dividend of $0.36 which represents an annual dividend yield of 2%. See more information on Citizens Community Bancorp dividends here
What is Citizens Community Bancorp’s EPS estimate?
Citizens Community Bancorp’s EPS estimate is 0.36.
How many shares outstanding does Citizens Community Bancorp have?
Citizens Community Bancorp has 9,628,612 shares outstanding.
What happened to Citizens Community Bancorp’s price movement after its last earnings report?
Citizens Community Bancorp reported an EPS of $0.44 in its last earnings report, beating expectations of $0.395. Following the earnings report the stock price went down -0.056%.
Which hedge fund is a major shareholder of Citizens Community Bancorp?
Currently, no hedge funds are holding shares in CZWI
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Citizens Community Bancorp Stock Smart Score
Neutral
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Blogger Sentiment
Bullish
CZWI Sentiment 100%
Sector Average 68%
Sector Average 68%
Hedge Fund Trend
Decreased
By 40.2K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Positive
20 days / 200 days
Momentum
7.34%
12-Months-Change
Fundamentals
Return on Equity
7.81%
Trailing 12-Months
Asset Growth
1.90%
Trailing 12-Months
Company Description
Citizens Community Bancorp
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. The company accepts various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit. It also offers various loan products comprising 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 provides a portfolio of investments, such as mortgage-backed, corporate asset-backed, U.S. Government sponsored agency, corporate debt, and trust preferred securities. It operates through a network of 25 full-service branch in Wisconsin and Minnesota. Citizens Community Bancorp, Inc. was founded in 1938 and is based in Eau Claire, Wisconsin.
Technical Analysis
CF Bankshares
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First Capital
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Landmark Bancorp
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MainStreet Bancshares
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BV Financial, Inc.
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Ownership Overview
3.24% Insiders
14.40% Mutual Funds
13.58% Other Institutional Investors
58.34% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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