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Citizens Community Bancorp (CZWI) Price & Analysis

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CZWI Stock Chart & Stats

$18.32

$0.04(0.28%)

At close: Jan 08 4:00 PM EST

$18.32

$0.04(0.28%)

Day’s Range― - ―

52-Week Range$14.40 - $24.43

Previous CloseN/A

Volume2.57K

Average Volume (3M)36.70K

Market Cap

$222.10M

Enterprise Value$108.31M

Total Cash (Recent Filing)$149.20M

Total Debt (Recent Filing)$52.58M

Price to Earnings (P/E)15.0

Beta0.34

Next Earnings

Jul 27, 2026

EPS Estimate

0.41

Next Dividend Ex-DateN/A

Dividend Yield2%

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 Cap0.49

Enterprise Value/Revenue1.19

Enterprise Value/Gross Profit2.17

Enterprise Value/Ebitda11.45

Forecast

1Y Price Target

$24.00

Price Target Upside31.00% Upside

Rating ConsensusHold

Number of Analyst Covering1

EPS Forecast (FY)1.82

Revenue Forecast (FY)$67.90M

Bulls Say, Bears Say

Bulls Say

Improved LeverageA materially lower debt-to-equity (~0.27x) and steady equity growth materially reduce solvency and liquidity risk for a regional bank. This durable capital improvement increases resilience to credit cycles, supports lending capacity, and provides flexibility for dividends or opportunistic investments over the medium term.

Strong Cash ConversionFree cash flow tracking nearly all reported earnings indicates good cash conversion, supporting sustainable internal funding for operations, loan growth, and shareholder distributions. While year-to-year volatility exists, current FCF coverage provides a durable buffer versus earnings swings.

Revenue Rebound & Solid MarginsA strong revenue rebound and a mid-teens net margin demonstrate underlying franchise ability to generate profit across lending and fee businesses. These results reflect durable revenue drivers (loans, deposits, fee income) that can support normalized profitability if asset quality and rate conditions remain stable.

Bears Say

Margin CompressionMaterial step-down in operating margins versus 2021–2022 signals weaker structural earnings power. Persistent margin compression erodes return on equity and limits capacity to absorb higher provisions or invest in growth, making long-term earnings recovery contingent on sustained margin improvement or cost restructuring.

Asset Quality WeakeningRising nonperforming assets and increased ACL indicate credit stress in the loan book. Deteriorating asset quality can require persistently higher provisions, constrain net income and loan origination, and pressure capital if losses accelerate, posing a structural headwind until credit trends stabilize.

Choppy Cash Flow ConsistencyWhile current free cash flow covers earnings, the history of notable year-to-year variability reduces predictability of internal funding. Irregular cash generation complicates planning for dividends, loan growth, and capital cushions, leaving the franchise more exposed to adverse shocks or funding stress.

Citizens Community Bancorp News

Citizens Community Bancorp downgraded to Market Perform from Outperform at Hovde Group

Hovde Group downgraded Citizens Community Bancorp (CZWI) to Market Perform from Outperform with a price target of $24,...

1d ago

CZWI

Citizens Community Bancorp Stockholders Approve Governance and Incentives

Citizens Community Bancorp ( ($CZWI) ) just unveiled an announcement. On June 16, 2026, Citizens Community Bancorp, Inc....

24d ago

CZWI

Citizens Community Bancorp Reports Solid First-Quarter 2026 Results

An announcement from Citizens Community Bancorp ( ($CZWI) ) is now available. On April 27, 2026, Citizens Community...

3M ago

CZWI

Citizens Community Bancorp Announces Upcoming Director Retirement

Citizens Community Bancorp ( ($CZWI) ) has shared an announcement. On April 14, 2026, Citizens Community Bancorp, Inc....

3M ago

CZWI

Citizens Community Bancorp outlines strategic goals at CEO Forum

The latest announcement is out from Citizens Community Bancorp ( ($CZWI) ). On February 4–5, 2026, Citizens Community...

6M ago

CZWI

Citizens Community Bancorp Adopts Recurring Quarterly Cash Dividend

Citizens Community Bancorp ( ($CZWI) ) has issued an update. For the fourth quarter ended December 31, 2025,...

6M ago

CZWI

Citizens Community Bancorp reports Q4 EPS 44c vs 27c last year

“We utilized our capital strength to enhance shareholder value early in the quarter by repurchasing approximately 250,000 shares...

6M ago

CZWI

Citizens Community Bancorp Engages Investors at Hovde Conference

Citizens Community Bancorp ( ($CZWI) ) has provided an update. On November 6-7, 2025, Citizens Community Bancorp‘s executives...

9M ago

CZWI

Citizens Community Bancorp Reports Strong Q3 2025 Earnings

Citizens Community ( ($CZWI) ) has released its Q3 earnings. Here is a breakdown of the information Citizens...

9M ago

CZWI

Citizens Community Bancorp reports Q3 EPS 37c vs 32c last year

Book value per share improved to $18.95 at September 30, 2025, compared to $18.36 at June 30, 2025,...

9M ago

CZWI

CZWI Upcoming Earnings Report: What to Expect?

Citizens Community (CZWI) is scheduled to report 3rd quarter earnings on 10/27/2025. Regarding Q3 estimates, Wall Street analysts...

9M ago

CZWI

Citizens Community Bancorp Reports Q2 2025 Earnings

Citizens Community ( ($CZWI) ) has released its Q2 earnings. Here is a breakdown of the information Citizens...

12M ago

CZWI

Citizens Community Bancorp Announces Stock Repurchase Program

Citizens Community Bancorp ( ($CZWI) ) has provided an update. On July 24, 2025, Citizens Community Bancorp‘s Board...

12M ago

CZWI

Citizens Community Bancorp board authorized 5% stock buyback

On July 24, 2025, the Board of Directors authorized a new 5% buyback authorization, for 499,000 shares of...

12M ago

CZWI

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 $222.10M.

When is Citizens Community Bancorp’s upcoming earnings report date?

Citizens Community Bancorp’s upcoming earnings report date is Jul 27, 2026 which is in 16 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 Undervalued. Get more investment ideas with TipRanks Premium

Does Citizens Community Bancorp pay dividends?

Citizens Community Bancorp pays a Annually dividend of $0.105 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 0.41.

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 $0.39 in its last earnings report, beating expectations of $0.36. Following the earnings report the stock price went up 1.067%.

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

Fundamentals

Return on Equity

8.00%

Trailing 12-Months

Asset Growth

2.42%

Trailing 12-Months

Top Smart Score Stocks >

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.

Citizens Community Bancorp (CZWI) Earnings & Revenues

Historic Earnings Reports

CZWI Stock 12 Month Forecast

Average Price Target

$24.00

▲(31.00% Upside)

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Detailed Analyst Forecast >