Citizens Community Bancorp (CZWI) AI Stock Analysis

• Market Cap: $154.77M
• Dividend Yield: 2.28%
• Average Volume (3M): 34.18K
• Price to Earnings (P/E): 12.7
• Beta (1Y): 0.54
• Revenue Growth: -0.96%
• EPS Growth: -7.38%
• Country: US
• Employees: 207
• Sector: Financial
• Sector Strength: 69
• Industry: Banks - Regional
• EPS (TTM): 0.33
• Shares Outstanding: 9,870,287
• 10 Day Avg. Volume: 34,191
• 30 Day Avg. Volume: 34,183
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 0.86
• Enterprise Value/Revenue: 1.40
• Enterprise Value/Gross Profit: 3.10
• Enterprise Value/Ebitda: 7.29
• 1Y Price Target: $16.50
• Price Target Upside: 4.30% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 73 Outperform
• Price Target: $16.50 ▲(4.30% Upside)

Citizens Community Bancorp shows strong financial performance and solid valuation metrics. The stock repurchase program and debt redemption enhance shareholder value and financial stability. The technical indicators suggest moderate upward momentum. While revenue growth remains a challenge, the company's strong cash flows and effective cost management position it well for future growth opportunities.

Citizens Community Bancorp Business Overview & Revenue Model

Company Description

Citizens Community Bancorp (CZWI) is a financial institution based in the United States, primarily engaged in the business of providing a wide range of banking services. The company operates through its wholly-owned subsidiary, Citizens Community Bank, which offers various products including personal and commercial banking, mortgage lending, and investment services. CZWI focuses on serving individuals, businesses, and communities within its operating regions, striving to deliver personalized service and tailored financial solutions.

How the Company Makes Money

Citizens Community Bancorp generates revenue through several key streams. The primary source of income comes from net interest income, which is the difference between the interest earned on loans and the interest paid on deposits. The bank offers various loan products, including residential, commercial, and consumer loans, which contribute significantly to this revenue stream. Additionally, the company earns non-interest income from service fees, transaction charges, and investment services. Strategic partnerships with local businesses and community organizations help enhance its customer base and broaden its service offerings. Furthermore, effective asset management and prudent lending practices contribute to maintaining a healthy interest margin and minimizing loan defaults, thereby supporting overall profitability.

Citizens Community Bancorp Financial Statement Overview

Summary

Citizens Community Bancorp demonstrates solid financial health with strong profitability and effective cash flow management. Despite challenges in revenue growth, the company maintains a robust balance sheet and continues to generate healthy cash flows.

Income Statement

Citizens Community Bancorp shows a stable financial performance with a consistent gross profit margin and improving net profit margin. However, revenue growth has been modest, with a slight decline in the recent TTM period. EBIT and EBITDA margins remain strong, indicating effective cost management.

Balance Sheet

The company's balance sheet reflects a solid equity base with a moderate debt-to-equity ratio, indicating manageable leverage. Return on equity is healthy, though the equity ratio shows a slight decline, suggesting an increase in liabilities relative to assets.

Cash Flow

Cash flows are strong, with a positive free cash flow and a high operating cash flow to net income ratio. The company effectively converts its earnings into cash, providing flexibility for investments and debt management. Free cash flow growth has been steady, supporting overall financial stability.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	95.28M	99.43M	94.44M	80.22M	80.06M	82.67M
Gross Profit	42.89M	59.46M	59.01M	65.72M	69.69M	60.65M
EBITDA	18.25M	20.87M	22.67M	27.61M	33.00M	23.91M
Net Income	12.46M	13.75M	13.06M	17.76M	21.27M	12.72M
Balance Sheet
Total Assets	1.74B	1.75B	1.85B	1.82B	1.74B	1.65B
Cash, Cash Equivalents and Short-Term Investments	202.23M	123.05M	110.62M	35.61M	49.34M	123.19M
Total Debt	61.72M	67.68M	147.00M	214.94M	169.95M	181.83M
Total Liabilities	1.55B	1.57B	1.68B	1.65B	1.57B	1.49B
Stockholders Equity	183.46M	179.08M	173.33M	167.09M	170.87M	160.56M
Cash Flow
Free Cash Flow	6.89M	19.29M	11.76M	25.69M	17.82M	21.21M
Operating Cash Flow	7.26M	20.18M	13.12M	29.29M	21.60M	23.79M
Investing Cash Flow	103.80M	113.74M	-34.20M	-119.19M	-163.20M	-61.81M
Financing Cash Flow	-62.03M	-120.88M	22.86M	77.57M	69.85M	101.63M

Citizens Community Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 15.82
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CZWI, the sentiment is Positive. The current price of 15.82 is above the 20-day moving average (MA) of 15.11, above the 50-day MA of 14.58, and above the 200-day MA of 14.89, indicating a bullish trend. The MACD of 0.28 indicates Negative momentum. The RSI at 64.06 is Neutral, neither overbought nor oversold. The STOCH value of 86.62 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CZWI.

Citizens Community Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CZWI	73 Outperform	$154.77M	12.66	6.93%	2.28%	-0.96%	-7.38%
RMBI	71 Outperform	$147.32M	14.99	7.23%	4.13%	9.70%	18.24%
SFBC	69 Neutral	$119.45M	19.16	6.07%	1.64%	7.86%	59.25%
FNWD	69 Neutral	$128.06M	23.96	3.51%	1.63%	-7.40%	-59.70%
EBMT	68 Neutral	$131.61M	10.28	7.19%	3.44%	6.74%	49.28%
Sector *	68 Neutral	$17.56B	11.63	10.45%	3.85%	9.69%	1.92%

Citizens Community Bancorp Corporate Events

Citizens Community Bancorp Announces Stock Repurchase Program

On July 24, 2025, Citizens Community Bancorp‘s Board of Directors approved a stock repurchase program allowing the company to buy back 5% of its outstanding shares, reflecting a strategic move to enhance shareholder value. The company’s second quarter earnings report showed a slight increase in net income compared to the previous quarter, with improved net interest income and a higher net interest margin, despite a decline in earnings compared to the same period last year. The company’s asset quality showed mixed results, with a decrease in nonperforming assets but an increase in special mention loans.

Citizens Community Bancorp Redeems $15M Subordinated Notes

Citizens Community Bancorp, Inc. announced that its Board of Directors approved the redemption of $15 million in subordinated notes, originally issued in 2020, with a redemption date set for September 1, 2025. This strategic financial move allows the company to manage its debt obligations effectively, potentially impacting its financial stability and stakeholder confidence positively.

Citizens Community Bancorp Holds Annual Stockholders Meeting

On June 17, 2025, Citizens Community Bancorp, Inc. held its Annual Meeting of Stockholders where key decisions were made. Stephen M. Bianchi, James D. Moll, and Kathleen S. Skarvan were elected as directors. Additionally, the appointment of Crowe LLP as the independent registered public accounting firm for the fiscal year ending December 31, 2025, was ratified. The stockholders also approved an advisory vote on the executive compensation of the company’s named executive officers.