Citizens Community Bancorp (CZWI)
NASDAQ:CZWI
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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$12.83 - $22.62
Previous CloseN/A
Volume2.57K
Average Volume (3M)36.70K
Market Cap
$200.56M
Enterprise Value$103.21M
Total Cash (Recent Filing)$252.96M
Total Debt (Recent Filing)$51.80M
Price to Earnings (P/E)―
Beta0.40
Next Earnings
Aug 03, 2026EPS Estimate
0.42Next Dividend Ex-DateN/A
Dividend Yield2%
Share Statistics
EPS (TTM)0.39
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 Cap0.51
Enterprise Value/Revenue1.15
Enterprise Value/Gross Profit2.10
Enterprise Value/Ebitda11.60
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.75
Revenue Forecast (FY)$66.90M
Bulls Say, Bears Say
Bulls Say
Lower Leverage / Stronger CapitalMaterial de-leveraging and rising equity improve balance-sheet resilience and regulatory flexibility. Over the next several quarters this durable capital strength supports loss absorption, steadier lending capacity, and optionality for dividends, buybacks, or strategic investments without immediate external capital needs.
Positive Free Cash Flow GenerationConsistent positive free cash flow—equal to net income in 2025 and up 19.3%—indicates durable cash conversion. This supports internal funding for loan growth, provisions, and shareholder distributions while reducing dependency on external funding over the medium term.
Core Franchise Trends: Loan/deposit Growth, NIM, EfficiencyModest loan and deposit growth, a slight NIM uptick, rising fee income and a better efficiency ratio point to improving core banking performance. Together these durable operational gains support sustainable net interest and fee income, improving prospects for medium-term earnings recovery.
Bears Say
Revenue Decline And Margin CompressionAn 8.1% revenue decline and a steep drop in EBIT margin to 7.0% indicate weakening operating leverage and core earnings power. If sustained, this structural deterioration forces reliance on higher margins, fee growth, or cost cutting to restore returns and could weigh on ROE over several quarters.
Emerging Asset-quality PressureRising nonperforming assets and higher provisions signal emerging credit stress, eroding net income and capital if trends persist. This increases earnings volatility, constrains loan growth and requires sustained reserve funding, limiting the bank's ability to deploy capital for expansion or distributions.
Volatile Operating Cash FlowA sharp year-over-year drop in operating cash flow highlights volatility in internal funding. Inconsistent cash generation complicates capital planning, raises reliance on deposits or markets in stress, and undermines predictability for dividends and loan funding over the medium term.
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 $12.83 and its highest was $22.62 in the past 12 months.
What is Citizens Community Bancorp’s market cap?
Citizens Community Bancorp’s market cap is $200.56M.
When is Citizens Community Bancorp’s upcoming earnings report date?
Citizens Community Bancorp’s upcoming earnings report date is Aug 03, 2026 which is in 95 days.
How were Citizens Community Bancorp’s earnings last quarter?
Citizens Community Bancorp released its earnings results on Apr 27, 2026. The company reported $0.39 earnings per share for the quarter, beating the consensus estimate of $0.36 by $0.03.
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 0.42.
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 $0.39 in its last earnings report, beating expectations of $0.36. Following the earnings report the stock price went up 1.066%.
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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10
Blogger Sentiment
Bullish
CZWI Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 40.2K Shares
Last Quarter.
Last Quarter.
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
8.00%
Trailing 12-Months
Asset Growth
2.42%
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
3.29% Insiders
16.13% Mutual Funds
2.06% Other Institutional Investors
67.78% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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