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Citizens Community Bancorp (CZWI)
NASDAQ:CZWI
US Market
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Citizens Community Bancorp (CZWI) AI Stock Analysis

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CZWI

Citizens Community Bancorp

(NASDAQ:CZWI)

Rating:73Outperform
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 (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 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
72
Positive
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
68
Positive
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
75
Positive
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 Price14.77
Price Trends
50DMA
14.46
Positive
100DMA
14.39
Positive
200DMA
14.79
Negative
Market Momentum
MACD
0.17
Positive
RSI
52.16
Neutral
STOCH
40.51
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 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 (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
73
Outperform
$147.54M11.676.93%2.44%-0.81%-7.17%
68
Neutral
$17.09B11.269.71%3.70%11.16%-4.08%
67
Neutral
$148.51M15.207.23%4.06%9.70%18.24%
65
Neutral
$130.89M11.626.42%3.47%6.51%27.04%
63
Neutral
$119.82M36.042.18%1.73%-7.58%-78.69%
62
Neutral
$122.40M24.524.90%1.59%8.04%-16.23%
$147.56M25.783.18%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
CZWI
Citizens Community Bancorp
14.77
2.14
16.94%
EBMT
Eagle Bancorp Montana
16.42
2.36
16.79%
SFBC
Sound Financial Bancorp
48.02
5.98
14.22%
RMBI
Richmond Mutual Bancorporation
14.24
2.44
20.68%
FNWD
Finward Bancorp
27.79
-0.27
-0.96%
ECBK
ECB Bancorp, Inc.
16.05
2.16
15.55%

Citizens Community Bancorp Corporate Events

Stock BuybackBusiness Operations and StrategyFinancial Disclosures
Citizens Community Bancorp Announces Stock Repurchase Program
Positive
Jul 28, 2025

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.

Private Placements and FinancingBusiness Operations and Strategy
Citizens Community Bancorp Redeems $15M Subordinated Notes
Positive
Jul 9, 2025

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.

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 29, 2025