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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 - $19.11
Previous CloseN/A
Volume2.57K
Average Volume (3M)36.70K
Market Cap
$182.42M
Enterprise Value$112.14M
Total Cash (Recent Filing)$252.96M
Total Debt (Recent Filing)$51.80M
Price to Earnings (P/E)12.9
Beta0.43
Next Earnings
May 04, 2026EPS Estimate
0.36Next Dividend Ex-DateN/A
Dividend Yield2%
Share Statistics
EPS (TTM)0.44
Shares Outstanding9,659,745
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 Ratio0.00
Enterprise Value/Market Cap0.61
Enterprise Value/Revenue1.25
Enterprise Value/Gross Profit2.28
Enterprise Value/Ebitda12.61
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Strong Free Cash Flow ConversionSustained high FCF growth and a 95% FCF-to-net income ratio indicate durable cash generation. That strengthens the bank's ability to fund organic loan growth, dividends, and buybacks internally, reduce reliance on external financing, and absorb shocks over the medium term.
Low Leverage And Solid CapitalA low debt-to-equity ratio reflects conservative leverage and a solid equity base, improving resilience to credit cycles. This capital strength supports measured loan growth, regulatory buffers, and continued shareholder returns without materially increasing financial vulnerability.
Strategic Shift And Shareholder-friendly ActionsManagement's explicit shift toward commercial banking, paired with a move to recurring quarterly dividends and continued buybacks, signals a focused strategy to boost asset yields and return capital. This alignment can deliver steadier core earnings and improve investor confidence if executed consistently.
Bears Say
Declining Revenue GrowthA multi-period decline in revenue growth erodes scale and limits reinvestment capacity. If loan and fee growth remain weak, the bank may struggle to meet its ROA and ROATCE targets, forcing reliance on expense cuts or capital returns that could compromise long-term growth initiatives.
Gross Margin DeteriorationShrinking gross margins suggest pressure on interest spreads or rising direct costs, which can materially compress net income over time. Sustained margin erosion undermines return metrics and requires either higher volumes, pricing power, or efficiency gains to restore long-term profitability.
Rising Credit Risk IndicatorsAn increase in special mention and substandard loans, even with stable NPAs, signals emerging credit deterioration. If trends persist, provisions and charge-offs could rise, constraining capital, curbing lending capacity, and pressuring returns 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 $12.69 and its highest was $19.11 in the past 12 months.
What is Citizens Community Bancorp’s market cap?
Citizens Community Bancorp’s market cap is $182.42M.
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 75 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 9,659,745 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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Hedge Fund Trend
Decreased
By 23.1K Shares
Last Quarter.
Last Quarter.
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
7.34%
12-Months-Change
Fundamentals
Return on Equity
7.00%
Trailing 12-Months
Asset Growth
-4.01%
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
3.23% Insiders
14.33% Mutual Funds
11.21% Other Institutional Investors
60.91% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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