Citizens Community Bancorp (CZWI)
NASDAQ:CZWI
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Citizens Community Bancorp
(NASDAQ:CZWI)
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Rating:68Neutral
Price Target:
$23.50
▲(28.28% Upside)
Action:Reiterated
Date:05/09/26
CZWI scores as solid but not top-tier, led by improved balance-sheet risk (lower leverage) and decent profitability/cash conversion, with supportive price momentum. The main constraints are multi-year margin compression and some credit/asset-quality softening in the latest quarter, while valuation is reasonable but the dividend yield is modest.
Positive Factors
Improved Leverage
A materially lower debt-to-equity (~0.27x TTM) and steady equity growth materially reduce financial risk and raise capital flexibility. Over 2–6 months this supports lending capacity, cushions loss absorption, and sustains dividend and capital allocation options versus prior higher-leverage periods.
Negative Factors
Multi-year Margin Compression
Operating margins have stepped down materially versus 2021–2022, reflecting weaker earnings power from a less favorable rate or competitive environment. Persistently lower margins constrain the bank’s ability to rebuild pre-provision profitability and long-term return on equity.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved Leverage
A materially lower debt-to-equity (~0.27x TTM) and steady equity growth materially reduce financial risk and raise capital flexibility. Over 2–6 months this supports lending capacity, cushions loss absorption, and sustains dividend and capital allocation options versus prior higher-leverage periods.
Read all positive factors
Citizens Community Bancorp (CZWI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$197.80M
Dividend Yield2%
Average Volume (3M)36.70K
Price to Earnings (P/E)12.7
Beta (1Y)0.40
Revenue Growth2.45%
EPS Growth20.71%
CountryUS
Employees207
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.53
Shares Outstanding9,644,112
10 Day Avg. Volume23,335
30 Day Avg. Volume36,697
Financial Highlights & Ratios
PEG Ratio1.34
Price to Book (P/B)0.92
Price to Sales (P/S)1.92
P/FCF Ratio16.66
Enterprise Value/Market Cap0.51
Enterprise Value/Revenue1.12
Enterprise Value/Gross Profit2.03
Enterprise Value/Ebitda11.65
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.79
Revenue Forecast (FY)$66.90M
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 ...
How the Company Makes Money
Citizens Community Bancorp primarily makes money through its banking subsidiary by earning net interest income and generating noninterest income. Net interest income is the core revenue stream: the bank collects interest and fees on loans (such as...
Citizens Community Bancorp Financial Statement Overview
Summary
Income Statement
60
Neutral
Balance Sheet
74
Positive
Cash Flow
68
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 90.83M | 90.07M | 99.43M | 94.44M | 80.22M | 80.06M |
| Gross Profit | 50.02M | 49.25M | 59.46M | 59.01M | 65.72M | 69.69M |
| EBITDA | 8.71M | 8.90M | 20.87M | 22.67M | 27.61M | 33.00M |
| Net Income | 14.98M | 14.42M | 13.75M | 13.06M | 17.76M | 21.27M |
Balance Sheet | ||||||
| Total Assets | 1.82B | 1.78B | 1.75B | 1.85B | 1.82B | 1.74B |
| Cash, Cash Equivalents and Short-Term Investments | 149.20M | 187.64M | 123.05M | 110.62M | 35.61M | 49.34M |
| Total Debt | 52.58M | 51.80M | 66.61M | 147.00M | 214.94M | 169.95M |
| Total Liabilities | 1.63B | 1.59B | 1.57B | 1.68B | 1.65B | 1.57B |
| Stockholders Equity | 190.87M | 187.94M | 179.08M | 173.33M | 167.09M | 170.87M |
Cash Flow | ||||||
| Free Cash Flow | 13.09M | 10.38M | 19.29M | 11.76M | 25.69M | 17.82M |
| Operating Cash Flow | 14.06M | 11.69M | 20.18M | 13.12M | 29.29M | 21.60M |
| Investing Cash Flow | 9.95M | 45.71M | 113.74M | -34.20M | -119.19M | -163.20M |
| Financing Cash Flow | 25.00M | 11.28M | -120.88M | 22.86M | 77.57M | 69.85M |
Citizens Community Bancorp Technical Analysis
Positive
18.32
Price Trends
20.05
Positive
19.04
Positive
17.65
Positive
Market Momentum
0.15
Positive
43.84
Neutral
13.92
Positive
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 18.32 is below the 20-day moving average (MA) of 20.79, below the 50-day MA of 20.05, and above the 200-day MA of 17.65, indicating a neutral trend. The MACD of 0.15 indicates Positive momentum. The RSI at 43.84 is Neutral, neither overbought nor oversold. The STOCH value of 13.92 is Positive, 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
84 Outperform | $184.41M | 9.56 | 13.14% | 1.96% | 11.54% | 43.03% | |
77 Outperform | $168.05M | 7.44 | 12.22% | 3.01% | 4.70% | 27.81% | |
68 Neutral | $197.80M | 12.69 | 8.00% | 2.00% | 2.45% | 20.71% | |
68 Neutral | $159.36M | 10.13 | 7.98% | 1.90% | -4.00% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $178.46M | 8.73 | 9.76% | 1.16% | 0.91% | 22.40% | |
60 Neutral | $167.64M | 36.81 | 6.61% | ― | 5.29% | 31.40% |
* Financial Sector Average
CZWI
Citizens Community Bancorp
20.31
5.36
35.89%
CFBK
CF Bankshares
27.15
3.46
14.61%
FCAP
First Capital
54.90
6.71
13.92%
LARK
Landmark Bancorp
27.60
0.22
0.81%
MNSB
MainStreet Bancshares
22.41
3.28
17.15%
BVFL
BV Financial, Inc.
19.79
4.00
25.33%
Citizens Community Bancorp Corporate Events
DividendsFinancial Disclosures
Citizens Community Bancorp Reports Solid First-Quarter 2026 Results
Positive
Apr 27, 2026
On April 27, 2026, Citizens Community Bancorp, Inc. reported first-quarter 2026 net income of $3.8 million, or $0.39 per diluted share, down from $4.3 million in the fourth quarter of 2025 but up from $3.2 million a year earlier. The quarter featu...
Executive/Board ChangesShareholder Meetings
Citizens Community Bancorp Announces Upcoming Director Retirement
Neutral
Apr 16, 2026
On April 14, 2026, Citizens Community Bancorp, Inc. announced that longtime director Michael L. Swenson, who has served on the Board since May 2011, notified the company he will remain a director until the 2026 annual meeting of stockholders on Ju...
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.