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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$14.61 - $24.43
Previous CloseN/A
Volume39.28K
Average Volume (3M)36.70K
Market Cap
$203.33M
Enterprise Value$156.28
Total Cash (Recent Filing)$121.76M
Total Debt (Recent Filing)$51.88M
Price to Earnings (P/E)15.9
Beta0.29
Next Earnings
Oct 26, 2026EPS Estimate
0.44Next Dividend Ex-DateN/A
Dividend Yield1.51%
Share Statistics
EPS (TTM)1.31
Shares Outstanding9,650,231
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
$23.50Price Target Upside-0.25% Downside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)1.62
Revenue Forecast (FY)$67.90M
Bulls Say, Bears Say
Bulls Say
Improving Balance Sheet LeverageSustained reduction in leverage and steady equity growth materially improve financial flexibility. Lower debt-to-equity reduces insolvency risk, increases capacity to absorb credit losses, and supports strategic moves or capital returns over the next several quarters without forcing fire-sale asset actions.
Strong Cash GenerationRobust and recovering free cash flow that tracks net income provides durable internal funding for loan growth, provisions, and dividends. Reliable cash conversion reduces reliance on external funding and supports resilience through credit cycles, enhancing lasting earnings quality and capital allocation choice.
Deposit-Funded Loan Growth & NIM ExpansionA traditional deposit-funded community bank model with ongoing loan growth and improving net interest margin supports sustainable net interest income. If executed prudently, expanding core lending and NIMs underpin recurring revenue and higher pre-provision earnings power over multiple quarters.
Bears Say
Rising Credit Costs & Problem LoansMaterial deterioration in asset quality and elevated provisioning signal persistent credit stress in the loan book. Increased nonperforming loans and provisions can meaningfully depress earnings, force higher reserves, and constrain capital deployment, creating sustained pressure on return metrics for months.
Declining Revenue & Compressed MarginsRevenue contraction combined with sharp margin compression reduces core profitability and limits the bank's ability to absorb credit or funding shocks. Persistent margin weakness indicates structural pressures on cost or pricing that can lower ROE and cash available for reinvestment over multiple quarters.
Activist Board Seat Request / Governance PressureA Schedule 13D-driven board seat request constitutes a structural governance event that can trigger strategy shifts, managerial distraction, or contested decisions. While it may improve oversight, it also creates near-term execution uncertainty and potential shifts in capital or risk priorities over the coming months.
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 $14.61 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 $203.33M.
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 62 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 Overvalued.
Does Citizens Community Bancorp pay dividends?
Citizens Community Bancorp pays a Quarterly dividend of $0.105 which represents an annual dividend yield of 1.51%. See more information on Citizens Community Bancorp dividends here
What is Citizens Community Bancorp’s EPS estimate?
Citizens Community Bancorp’s EPS estimate is 0.44.
How many shares outstanding does Citizens Community Bancorp have?
Citizens Community Bancorp has 9,650,231 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 -9.166%.
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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4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$23.50 (-0.25% Downside)
$23.50 (-0.25% Downside)
Blogger Sentiment
Neutral
CZWI Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 48.7K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $240.0 over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
7.34%
12-Months-Change
Fundamentals
Return on Equity
1.51%
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
$23.50
▼(-0.25% Downside)
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
3.84% Insiders
15.96% Mutual Funds
12.38% Other Institutional Investors
55.74% Public Companies and
Individual Investors