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CZWI Stock Chart & Stats
$23.56
-$2.09(-8.87%)
At close: 4:00 PM EDT
$23.56
-$2.09(-8.87%)
Day’s Range― - ―
52-Week Range$14.40 - $24.43
Previous CloseN/A
Volume39.28K
Average Volume (3M)36.70K
Market Cap
$212.17M
Enterprise Value$155.84
Total Cash (Recent Filing)$149.20M
Total Debt (Recent Filing)$52.58M
Price to Earnings (P/E)16.8
Beta0.36
Next Earnings
Oct 26, 2026EPS Estimate
0.47Next Dividend Ex-DateN/A
Dividend Yield0.95%
Share Statistics
EPS (TTM)1.53
Shares Outstanding9,644,112
10 Day Avg. Volume23,335
30 Day Avg. Volume36,697
Financial Highlights & Ratios
PEG Ratio1.36
Price to Book (P/B)0.92
Price to Sales (P/S)1.92
P/FCF Ratio16.66
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$24.00Price Target Upside1.87% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)1.82
Revenue Forecast (FY)$67.90M
Bulls Say, Bears Say
Bulls Say
Stronger Leverage PositionA materially lower debt-to-equity (~0.27x TTM) and steady equity growth materially reduce financial risk and preserve lending capacity. This stronger capital posture supports ongoing regulatory resilience, underwriting flexibility, and the ability to absorb credit cycles over the next 2–6 months and beyond.
Reliable Cash ConversionFree cash flow closely tracking earnings (~97% TTM) indicates the firm's reported profits translate into usable cash for capital, dividends, and loan growth. Solid cash conversion underpins sustainable operations and internal funding, strengthening medium-term financial flexibility.
Revenue Rebound With Solid MarginsA pronounced revenue rebound and a healthy net margin (~16.5% TTM) point to recovering core banking performance and improved interest income dynamics. Sustained top-line momentum and margin support enhance earning power and ability to build capital over the next several quarters.
Bears Say
Structural Margin CompressionOperating margins have materially stepped down from earlier-cycle highs, signaling weaker structural profitability likely due to a less favorable rate/credit mix or higher operating costs. Persistently lower margins constrain return on equity and limit capacity to absorb future credit losses.
Inconsistent Cash Flow TrendsWhile FCF aligns with earnings TTM, year-to-year volatility (notable declines in 2023 and 2025) reduces predictability for capital allocation and dividend coverage. This inconsistency raises execution risk for loan growth and strategic investments over the medium term.
Asset Quality DeteriorationRising problem loans and a meaningful credit-loss provision indicate weakening asset quality that can pressure earnings and capital if trends persist. Elevated nonperforming assets require closer underwriting oversight and could constrain lending appetite and net interest income sustainably.
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 $14.40 and its highest was $24.43 in the past 12 months.
What is Citizens Community Bancorp’s market cap?
Citizens Community Bancorp’s market cap is $212.17M.
When is Citizens Community Bancorp’s upcoming earnings report date?
Citizens Community Bancorp’s upcoming earnings report date is Oct 26, 2026 which is in 84 days.
How were Citizens Community Bancorp’s earnings last quarter?
Citizens Community Bancorp released its earnings results on Jul 27, 2026. The company reported $0.11 earnings per share for the quarter, missing the consensus estimate of $0.41 by -$0.3.
Is Citizens Community Bancorp overvalued?
According to Wall Street analysts Citizens Community Bancorp’s price is currently Undervalued.
Does Citizens Community Bancorp pay dividends?
Citizens Community Bancorp pays a Quarterly dividend of $0.105 which represents an annual dividend yield of 0.95%. See more information on Citizens Community Bancorp dividends here
What is Citizens Community Bancorp’s EPS estimate?
Citizens Community Bancorp’s EPS estimate is 0.47.
How many shares outstanding does Citizens Community Bancorp have?
Citizens Community Bancorp has 9,644,112 shares outstanding.
What happened to Citizens Community Bancorp’s price movement after its last earnings report?
Citizens Community Bancorp reported an EPS of $0.11 in its last earnings report, missing expectations of $0.41. Following the earnings report the stock price went down -9.168%.
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
1
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3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$24.00 (1.87% Upside)
$24.00 (1.87% Upside)
Blogger Sentiment
Bullish
CZWI Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 48.7K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $13.4K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
7.34%
12-Months-Change
Fundamentals
Return on Equity
0.95%
Trailing 12-Months
Asset Growth
4.56%
Trailing 12-Months
Company Description
Citizens Community Bancorp
Citizens Community Bancorp, Inc. functions as the parent entity for Citizens Community Federal N.A., offering a comprehensive array of conventional banking solutions to businesses, agricultural enterprises, and individual customers. The company facilitates client deposits through diverse products, including checking accounts, savings and money market accounts, and certificates of deposit (CDs). Its lending portfolio is equally broad, encompassing commercial real estate loans, commercial and industrial financing, agricultural land and operational loans, consumer credit, mortgages for one-to-four family residences, and home equity lines of credit. Furthermore, Citizens Community Bancorp manages an investment portfolio featuring various securities such as mortgage-backed, corporate asset-backed, U.S. government agency-sponsored, corporate debt, and trust preferred instruments. Its operations span Wisconsin and Minnesota, supported by a network of 25 full-service branches. Established in 1938, the bank holding company is headquartered in Eau Claire, Wisconsin.
CZWI Stock 12 Month Forecast
Average Price Target
$24.00
▲(1.87% Upside)
Technical Analysis
CF Bankshares
―
First Capital
―
Landmark Bancorp
―
MainStreet Bancshares
―
BV Financial, Inc.
―
Ownership Overview
3.81% Insiders
15.98% Mutual Funds
1.29% Other Institutional Investors
66.93% Public Companies and
Individual Investors