Citizens Community Bancorp (CZWI) AI Stock Analysis

• Market Cap: $147.14M
• Dividend Yield: 2.44%
• Average Volume (3M): 78.12K
• Price to Earnings (P/E): 11.6
• Beta (1Y): 0.55
• Revenue Growth: -1.15%
• EPS Growth: -1.80%
• Country: US
• Employees: 207
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 0.32
• Shares Outstanding: 9,988,997
• 10 Day Avg. Volume: 196,389
• 30 Day Avg. Volume: 78,117
• PEG Ratio: -0.49
• Price to Book (P/B): 0.76
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 4.92
• Enterprise Value/Market Cap: 2.08
• Enterprise Value/Revenue: 0.91
• Enterprise Value/Gross Profit: 3.43
• Enterprise Value/Ebitda: 3.45
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 62 Neutral
• Price Target: $16.00 ▲(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 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 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

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

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

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.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	56.29M	58.54M	67.19M	69.69M	68.40M
Gross Profit	56.29M	93.82M	67.19M	69.69M	68.40M
EBITDA	0.00	22.06M	27.61M	33.00M	26.52M
Net Income	13.75M	13.06M	17.76M	21.27M	12.72M
Balance Sheet
Total Assets	1.75B	1.85B	1.82B	1.74B	1.65B
Cash, Cash Equivalents and Short-Term Investments	193.02M	37.14M	35.61M	252.27M	267.43M
Total Debt	66.61M	147.00M	214.94M	169.95M	181.83M
Total Liabilities	1.57B	1.68B	1.65B	169.95M	181.83M
Stockholders Equity	179.08M	173.33M	167.09M	170.87M	160.56M
Cash Flow
Free Cash Flow	19.29M	11.76M	25.69M	17.82M	21.21M
Operating Cash Flow	20.18M	13.12M	29.29M	21.60M	23.79M
Investing Cash Flow	113.74M	-34.20M	-119.19M	-163.20M	-61.81M
Financing Cash Flow	-120.88M	22.86M	77.57M	69.85M	101.63M

Citizens Community Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 14.73
• 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 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 Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	67 Neutral	$17.07B	11.91	9.69%	3.75%	11.66%	-9.47%
RMBI	67 Neutral	$146.23M	15.95	6.82%	4.27%	13.55%	3.11%
EBMT	64 Neutral	$139.16M	12.35	6.42%	3.26%	6.51%	27.04%
FNWD	63 Neutral	$122.20M	36.76	2.18%	1.70%	-7.58%	-78.69%
CZWI	62 Neutral	$147.14M	11.64	7.29%	2.44%	-1.15%	-1.80%
SFBC	62 Neutral	$121.07M	24.25	4.90%	1.61%	8.04%	-16.23%

Citizens Community Bancorp Corporate Events

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.