Citizens Community Bancorp (CZWI) AI Stock Analysis

• Market Cap: $147.54M
• Dividend Yield: 2.44%
• Average Volume (3M): 86.27K
• Price to Earnings (P/E): 11.7
• Beta (1Y): 0.54
• Revenue Growth: -0.81%
• EPS Growth: -7.17%
• Country: US
• Employees: 207
• Sector: Financial
• Sector Strength: 75
• Industry: Banks - Regional
• EPS (TTM): 0.33
• Shares Outstanding: 9,988,997
• 10 Day Avg. Volume: 24,218
• 30 Day Avg. Volume: 86,272
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $14.00
• Price Target Upside: -5.21% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 73 Outperform
• Price Target: $16.50 ▲(11.71%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, 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 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 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, positioning it well for future growth opportunities.

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
Income Statement
Total Revenue
Gross Profit
EBITDA
Net Income
Balance Sheet
Total Assets
Cash, Cash Equivalents and Short-Term Investments
Total Debt
Total Liabilities
Stockholders Equity
Cash Flow
Free Cash Flow
Operating Cash Flow
Investing Cash Flow
Financing Cash Flow

Citizens Community Bancorp Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 14.77
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• 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 14.77 is below the 20-day moving average (MA) of 14.85, above the 50-day MA of 14.46, and below the 200-day MA of 14.79, indicating a neutral trend. The MACD of 0.17 indicates Positive momentum. The RSI at 52.16 is Neutral, neither overbought nor oversold. The STOCH value of 40.51 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
CZWI	73 Outperform	$147.54M	11.67	6.93%	2.44%	-0.81%	-7.17%
Sector *	68 Neutral	$17.09B	11.26	9.71%	3.70%	11.16%	-4.08%
RMBI	67 Neutral	$148.51M	15.20	7.23%	4.06%	9.70%	18.24%
EBMT	65 Neutral	$130.89M	11.62	6.42%	3.47%	6.51%	27.04%
FNWD	63 Neutral	$119.82M	36.04	2.18%	1.73%	-7.58%	-78.69%
SFBC	62 Neutral	$122.40M	24.52	4.90%	1.59%	8.04%	-16.23%
ECBK	―	$147.56M	25.78	3.18%	―	―	―

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.