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
$198.09M
Enterprise Value$101.46M
Total Cash (Recent Filing)$149.20M
Total Debt (Recent Filing)$52.58M
Price to Earnings (P/E)12.7
Beta0.40
Next Earnings
Jul 27, 2026EPS Estimate
0.41Next 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 Ratio1.34
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/Revenue1.12
Enterprise Value/Gross Profit2.03
Enterprise Value/Ebitda11.65
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.79
Revenue Forecast (FY)$66.90M
Bulls Say, Bears Say
Bulls Say
Improved LeverageA materially lower debt-to-equity (~0.27x TTM) and steady equity growth materially reduce financial risk and raise capital flexibility. Over 2–6 months this supports lending capacity, cushions loss absorption, and sustains dividend and capital allocation options versus prior higher-leverage periods.
Strong Cash ConversionFree cash flow closely tracking earnings (≈97% TTM) indicates the bank converts reported profits into usable cash, supporting dividends, loan growth, and balance-sheet reinvestment. While year-to-year variability exists, this level of conversion underpins durable financial flexibility.
Core Franchise MomentumSequential loan and deposit growth, a slight net interest margin uptick, and an improved efficiency ratio signal ongoing commercial and consumer franchise traction. These operational improvements support sustained net interest income and fee generation over the medium term.
Bears Say
Multi-year Margin CompressionOperating margins have stepped down materially versus 2021–2022, reflecting weaker earnings power from a less favorable rate or competitive environment. Persistently lower margins constrain the bank’s ability to rebuild pre-provision profitability and long-term return on equity.
Asset-Quality DeteriorationModest deterioration in asset quality with rising nonperforming and criticized loans and higher provisions (allowance 1.69% of loans) indicates credit stress that can depress net income and require incremental reserves, limiting capital deployment and loan growth over coming quarters.
Inconsistent Cash FlowYear-to-year variability in free cash flow reduces predictability for dividends, buybacks, and reinvestment. Even with strong TTM conversion, uneven cash generation complicates planning and heightens sensitivity to cyclical credit and rate shifts 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 $198.09M.
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 67 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 0.41.
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
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10
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
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
3.79% Insiders
16.11% Mutual Funds
12.74% Other Institutional Investors
56.44% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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