Citizens Community Bancorp (CZWI) AI Stock Analysis

• Market Cap: $172.52M
• Dividend Yield: 2%
• Average Volume (3M): 36.70K
• Price to Earnings (P/E): 12.0
• Beta (1Y): 0.44
• Revenue Growth: -2.16%
• EPS Growth: -9.35%
• Country: US
• Employees: 207
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.44
• Shares Outstanding: 9,659,745
• 10 Day Avg. Volume: 23,335
• 30 Day Avg. Volume: 36,697
• PEG Ratio: 1.34
• Price to Book (P/B): 0.92
• Price to Sales (P/S): 1.92
• P/FCF Ratio: 14.79
• Enterprise Value/Market Cap: 0.61
• Enterprise Value/Revenue: 1.17
• Enterprise Value/Gross Profit: 2.14
• Enterprise Value/Ebitda: 11.86
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 1.75
• Revenue Forecast (FY): $69.10M

• Rating: 62 Neutral
• Price Target: $19.00 ▲(3.71% Upside)
• Action: Downgraded Date: 03/06/26
• Date: Action: Downgraded 03/06/26

The score is driven primarily by moderate financial performance—stronger leverage and liquidity/capital support are offset by weakening revenue and a sharp step-down in operating margins. Technicals are currently neutral-to-soft (below short-term averages and slightly negative MACD), while valuation is reasonable and recent corporate actions (recurring quarterly dividend and shareholder-return messaging) provide a positive tailwind.

Positive Factors

Strong free cash flow conversion

Sustained 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 capital

A 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 actions

Management'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.

Negative Factors

Declining revenue growth

A 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 deterioration

Shrinking 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 indicators

An 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 Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Citizens Community Bancorp generates revenue primarily through interest income earned on loans and investments. The bank provides various types of loans, including residential mortgages, commercial loans, and consumer loans, which typically carry interest rates that contribute significantly to the company's earnings. Additionally, the bank earns non-interest income through service fees, transaction fees, and other banking-related services. Key revenue streams also include fees from wealth management and financial advisory services. The company may benefit from partnerships with local businesses and community organizations to enhance customer acquisition and retention, further contributing to its financial performance.

Citizens Community Bancorp Financial Statement Overview

Summary

Moderate fundamentals: balance sheet is a clear strength with meaningfully lower leverage and steadily growing equity, and free cash flow remains positive. Offsetting this, 2025 revenue declined and operating margins compressed sharply versus 2024 and prior years, signaling pressure on core profitability.

Income Statement

Profitability remains positive, with net profit margin improving in 2025 (16.0%) versus 2024 (13.8%), and net income rising slightly ($14.4M vs. $13.8M). However, the earnings profile has weakened from prior years as revenue declined in 2025 (-8.1% YoY) and operating profitability compressed materially (EBIT margin fell to 7.0% in 2025 from 17.6% in 2024 and ~29–36% in 2021–2022). Overall: still profitable, but momentum and operating leverage have deteriorated.

Balance Sheet

Leverage has improved meaningfully, with debt-to-equity declining to 0.28 in 2025 from 0.37 in 2024 and well below the elevated levels seen in 2022 (1.29). Equity has grown steadily ($187.9M in 2025 vs. $179.1M in 2024), supporting balance-sheet resilience. Return on equity is stable around ~7.7% in 2024–2025, though below the stronger 2021–2022 range (~10.6–12.4%), indicating less efficient profitability even as leverage has come down.

Cash Flow

Cash generation remains solid relative to earnings, with free cash flow matching net income in 2025 (free cash flow to net income of 1.0) and free cash flow growing strongly (+19.3% in 2025). The main weakness is volatility: operating cash flow and free cash flow fell sharply in 2025 ($11.7M operating cash flow vs. $20.2M in 2024), suggesting less consistent internal cash generation year to year despite continued positive free cash flow.

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	90.07M	99.43M	94.44M	80.22M	80.06M
Gross Profit	49.25M	59.46M	59.01M	65.72M	69.69M
EBITDA	8.90M	20.87M	22.67M	27.61M	33.00M
Net Income	14.42M	13.75M	13.06M	17.76M	21.27M
Balance Sheet
Total Assets	1.78B	1.75B	1.85B	1.82B	1.74B
Cash, Cash Equivalents and Short-Term Investments	252.96M	123.05M	110.62M	35.61M	49.34M
Total Debt	51.80M	66.61M	147.00M	214.94M	169.95M
Total Liabilities	1.59B	1.57B	1.68B	1.65B	1.57B
Stockholders Equity	187.94M	179.08M	173.33M	167.09M	170.87M
Cash Flow
Free Cash Flow	11.69M	19.29M	11.76M	25.69M	17.82M
Operating Cash Flow	11.69M	20.18M	13.12M	29.29M	21.60M
Investing Cash Flow	45.71M	113.74M	-34.20M	-119.19M	-163.20M
Financing Cash Flow	11.28M	-120.88M	22.86M	77.57M	69.85M

Citizens Community Bancorp Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 18.32
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CZWI, the sentiment is Neutral. The current price of 18.32 is below the 20-day moving average (MA) of 18.34, above the 50-day MA of 18.13, and above the 200-day MA of 16.27, indicating a neutral trend. The MACD of -0.11 indicates Positive momentum. The RSI at 45.36 is Neutral, neither overbought nor oversold. The STOCH value of 48.82 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for CZWI.

Citizens Community Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
LARK	75 Outperform	$164.43M	8.47	11.72%	3.01%	12.31%	39.46%
BVFL	72 Outperform	$168.20M	7.96	5.32%	―	4.86%	-8.20%
FCAP	70 Outperform	$169.42M	10.13	11.84%	1.96%	11.36%	25.07%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CFBK	67 Neutral	$191.06M	9.23	9.18%	1.16%	2.33%	22.43%
CZWI	62 Neutral	$172.52M	12.00	7.00%	2.00%	-2.16%	-9.35%
MNSB	62 Neutral	$170.76M	9.98	-2.07%	1.90%	1.92%	-174.59%

Citizens Community Bancorp Corporate Events

Citizens Community Bancorp outlines strategic goals at CEO Forum

On February 4–5, 2026, Citizens Community Bancorp’s chairman and CEO Stephen Bianchi and CFO James S. Broucek met with institutional investors at the 2026 CEO Forum in Scottsdale, Arizona, where they presented the company’s recent operating results and strategic objectives, including its ongoing shift toward commercial banking and focus on disciplined balance sheet growth. The materials highlighted goals to exceed 1% return on assets and 12% return on average tangible common equity through modest organic expansion and efficiency gains, underscored the company’s strong capital and liquidity position to support loan growth, dividends and share repurchases, and emphasized its low historical net charge-offs, diversified markets, and insider ownership, signaling a strategy aimed at reinforcing shareholder value and competitive positioning in its regional banking footprint.

The most recent analyst rating on (CZWI) stock is a Buy with a $20.00 price target. To see the full list of analyst forecasts on Citizens Community Bancorp stock, see the CZWI Stock Forecast page.

Citizens Community Bancorp Adopts Recurring Quarterly Cash Dividend

For the fourth quarter ended December 31, 2025, Citizens Community Bancorp reported improved profitability, with net income rising to $4.3 million, or $0.44 per diluted share, up from $3.7 million ($0.37) in the third quarter and $2.7 million ($0.27) a year earlier, driven by loan and deposit growth, lower credit-loss provisioning, reduced non-interest expenses and a lower effective tax rate tied to tax credit investments. Full-year 2025 earnings increased to $14.4 million, or $1.46 per diluted share, while book value and tangible book value per share continued to strengthen amid modest asset growth to $1.78 billion, stable nonperforming assets, higher special mention and substandard loans, and a solid capital position that supported the repurchase of about 250,000 shares and the Board’s January 22, 2026 decision to shift from an annual to a recurring quarterly cash dividend of $0.105 per share, reflecting a more shareholder-friendly capital return framework.

The most recent analyst rating on (CZWI) stock is a Buy with a $20.00 price target. To see the full list of analyst forecasts on Citizens Community Bancorp stock, see the CZWI Stock Forecast page.