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Citizens Community (CZWI)
:CZWI
US Market

Citizens Community Bancorp (CZWI) AI Stock Analysis

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Citizens Community Bancorp

(NASDAQ:CZWI)

Rating:62Neutral
Price Target:
$16.00
â–²(8.62%Upside)
Citizens Community Bancorp's overall stock score reflects its solid financial performance and reasonable valuation. The company's strong cash flow management and profitability are significant strengths, although modest revenue growth and neutral technical indicators slightly temper the outlook.

Citizens Community Bancorp (CZWI) vs. SPDR S&P 500 ETF (SPY)

Citizens Community Bancorp Business Overview & Revenue Model

Company DescriptionCitizens 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 MoneyCitizens Community Bancorp generates revenue primarily through the interest income on loans, such as commercial real estate, residential mortgages, and consumer loans. Additionally, the company earns money from interest on investment securities and from non-interest income, which includes service charges, fees for deposit account services, and other banking-related services. A significant portion of its revenue is driven by the spread between the interest it earns on loans and securities and the interest it pays on customer deposits. The company may also benefit from strategic partnerships and community engagement initiatives that help to broaden its customer base and expand its financial services.

Citizens Community Bancorp Financial Statement Overview

Summary
Citizens Community Bancorp shows moderate financial health. The income statement indicates challenges with declining profitability and revenue trends. The balance sheet is solid with improved equity ratios and prudent debt management. Cash flows are robust, but growth consistency is a concern. Stabilizing revenue and enhancing profitability are key areas for improvement.
Income Statement
40
Negative
Citizens Community Bancorp's income statement shows fluctuating revenues with a declining trend from 2021 to 2023, indicating potential revenue challenges. The net profit margin decreased significantly from 2021 to 2023, from 30.5% to 22.3%, which suggests decreasing profitability. Gross profit margin is high, but overall profitability metrics indicate potential risks in maintaining stable earnings.
Balance Sheet
55
Neutral
The balance sheet reflects a strong equity position with an increasing equity ratio, rising from 9.8% in 2019 to 10.2% in 2023, indicating financial stability. The debt-to-equity ratio has improved, showing prudent financial management. However, total assets and equity have grown marginally, suggesting limited expansion in the asset base.
Cash Flow
65
Positive
The cash flow analysis reveals a healthy operating cash flow with consistent free cash flow generation, indicating strong cash management. The operating cash flow to net income ratio is robust, showing good cash generation relative to net income. However, free cash flow growth has been inconsistent, highlighting potential fluctuations in cash flow management over time.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue56.29M58.54M67.19M69.69M68.40M
Gross Profit56.29M93.82M67.19M69.69M68.40M
EBITDA0.0022.06M27.61M33.00M26.52M
Net Income13.75M13.06M17.76M21.27M12.72M
Balance Sheet
Total Assets1.75B1.85B1.82B1.74B1.65B
Cash, Cash Equivalents and Short-Term Investments193.02M37.14M35.61M252.27M267.43M
Total Debt66.61M147.00M214.94M169.95M181.83M
Total Liabilities1.57B1.68B1.65B169.95M181.83M
Stockholders Equity179.08M173.33M167.09M170.87M160.56M
Cash Flow
Free Cash Flow19.29M11.76M25.69M17.82M21.21M
Operating Cash Flow20.18M13.12M29.29M21.60M23.79M
Investing Cash Flow113.74M-34.20M-119.19M-163.20M-61.81M
Financing Cash Flow-120.88M22.86M77.57M69.85M101.63M

Citizens Community Bancorp Technical Analysis

Technical Analysis Sentiment
Positive
Last Price14.73
Price Trends
50DMA
14.40
Positive
100DMA
14.45
Positive
200DMA
14.67
Positive
Market Momentum
MACD
-0.07
Negative
RSI
62.37
Neutral
STOCH
95.40
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 14.73 is above the 20-day moving average (MA) of 13.80, above the 50-day MA of 14.40, and above the 200-day MA of 14.67, indicating a bullish trend. The MACD of -0.07 indicates Negative momentum. The RSI at 62.37 is Neutral, neither overbought nor oversold. The STOCH value of 95.40 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CZWI.

Citizens Community Bancorp Risk Analysis

Citizens Community Bancorp disclosed 30 risk factors in its most recent earnings report. Citizens Community Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

Citizens Community Bancorp Peers Comparison

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
67
Neutral
$17.07B11.919.69%3.75%11.66%-9.47%
67
Neutral
$146.23M15.956.82%4.27%13.55%3.11%
64
Neutral
$139.16M12.356.42%3.26%6.51%27.04%
63
Neutral
$122.20M36.762.18%1.70%-7.58%-78.69%
62
Neutral
$147.14M11.647.29%2.44%-1.15%-1.80%
62
Neutral
$121.07M24.254.90%1.61%8.04%-16.23%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
CZWI
Citizens Community Bancorp
14.73
3.83
35.14%
EBMT
Eagle Bancorp Montana
17.65
5.25
42.34%
SFBC
Sound Financial Bancorp
47.02
5.17
12.35%
RMBI
Richmond Mutual Bancorporation
13.99
3.01
27.41%
FNWD
Finward Bancorp
28.25
4.01
16.54%

Citizens Community Bancorp Corporate Events

Executive/Board ChangesShareholder Meetings
Citizens Community Bancorp Holds Annual Stockholders Meeting
Neutral
Jun 23, 2025

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.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jul 03, 2025