Citizens Community Bancorp (CZWI) AI Stock Analysis

• Market Cap: $177.84M
• Dividend Yield: 1.96%
• Average Volume (3M): 36.70K
• Price to Earnings (P/E): 14.3
• Beta (1Y): 0.42
• Revenue Growth: -2.16%
• EPS Growth: -9.35%
• Country: US
• Employees: 207
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.37
• Shares Outstanding: 9,659,745
• 10 Day Avg. Volume: 23,335
• 30 Day Avg. Volume: 36,697
• PEG Ratio: 1.68
• Price to Book (P/B): 0.93
• Price to Sales (P/S): 1.67
• P/FCF Ratio: 8.61
• Enterprise Value/Market Cap: 0.70
• Enterprise Value/Revenue: 1.35
• Enterprise Value/Gross Profit: 4.34
• Enterprise Value/Ebitda: 4.41
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 69 Neutral
• Price Target: $17.50 ▼(-3.90% Downside)

Citizens Community Bancorp's overall stock score reflects its stable financial performance and reasonable valuation. The company's strong cash flow generation and low leverage are significant strengths. However, the lack of revenue growth and mixed technical indicators suggest some caution. The absence of earnings call and corporate events data limits further insights.

Positive Factors

Cash Flow Generation

Strong cash flow growth indicates robust cash generation, allowing for future investments and debt reduction, enhancing financial stability.

Balance Sheet Health

A low debt-to-equity ratio suggests a stable financial position, providing flexibility for strategic initiatives and resilience against economic downturns.

Net Profit Margin

A healthy net profit margin reflects operational efficiency, supporting sustained profitability and competitive positioning in the market.

Negative Factors

Revenue Growth Decline

A decline in revenue growth can hinder the company's ability to expand its market share and invest in new opportunities, affecting long-term growth prospects.

Gross Profit Margin Decrease

A declining gross profit margin suggests cost management challenges, potentially impacting profitability and requiring strategic adjustments to maintain margins.

EPS Growth Decline

A decline in EPS growth indicates challenges in increasing shareholder value, which may affect investor confidence and long-term stock performance.

Citizens Community Bancorp Business Overview & Revenue Model

Company Description

Citizens Community Bancorp (CZWI) is a financial institution based in the United States, primarily engaged in providing a wide range of banking services. The company operates through its wholly-owned subsidiary, Citizens Community Federal N.A., which offers traditional banking products such as savings accounts, checking accounts, loans, and mortgages. CZWI focuses on serving individual consumers, small businesses, and commercial clients, contributing to its presence in the community banking sector.

How the Company Makes Money

Citizens Community Bancorp generates revenue primarily through interest income earned on loans and investments. The bank provides various types of loans, including residential mortgages, commercial loans, and consumer loans, which typically carry interest rates that contribute significantly to the company's earnings. Additionally, the bank earns non-interest income through service fees, transaction fees, and other banking-related services. Key revenue streams also include fees from wealth management and financial advisory services. The company may benefit from partnerships with local businesses and community organizations to enhance customer acquisition and retention, further contributing to its financial performance.

Citizens Community Bancorp Financial Statement Overview

Summary

Citizens Community Bancorp shows a stable financial position with strong cash flow generation and moderate profitability. Despite a decline in revenue growth, the company maintains healthy margins and a solid balance sheet with low leverage.

Income Statement

Citizens Community Bancorp's income statement shows a mixed performance. The TTM (Trailing-Twelve-Months) data indicates a decline in revenue growth rate by 5.81%, which is concerning. However, the company maintains a decent net profit margin of 13.91% and an EBITDA margin of 28.04%, reflecting operational efficiency. The gross profit margin has decreased significantly compared to previous years, indicating potential cost management issues.

Balance Sheet

The balance sheet reflects a stable financial position with a low debt-to-equity ratio of 0.25 in the TTM period, indicating reduced leverage. The return on equity is moderate at 7.05%, suggesting efficient use of equity. The equity ratio is not explicitly calculated but the company appears to have a solid equity base relative to its assets, enhancing financial stability.

Cash Flow

Cash flow analysis reveals a strong free cash flow growth rate of 47.84% in the TTM period, indicating improved cash generation. The operating cash flow to net income ratio is not available, but the free cash flow to net income ratio is high at 95.01%, suggesting effective cash conversion from profits. This positions the company well for future investments or debt reduction.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	92.42M	99.43M	94.44M	80.22M	80.06M	82.67M
Gross Profit	28.72M	59.46M	59.01M	65.72M	69.69M	60.65M
EBITDA	28.23M	20.87M	22.67M	27.61M	33.00M	23.91M
Net Income	12.85M	13.75M	13.06M	17.76M	21.27M	12.72M
Balance Sheet
Total Assets	1.73B	1.75B	1.85B	1.82B	1.74B	1.65B
Cash, Cash Equivalents and Short-Term Investments	220.07M	123.05M	110.62M	35.61M	49.34M	123.19M
Total Debt	46.76M	67.68M	147.00M	214.94M	169.95M	181.83M
Total Liabilities	1.54B	1.57B	1.68B	1.65B	1.57B	1.49B
Stockholders Equity	186.81M	179.08M	173.33M	167.09M	170.87M	160.56M
Cash Flow
Free Cash Flow	10.19M	19.29M	11.76M	25.69M	17.82M	21.21M
Operating Cash Flow	10.43M	20.18M	13.12M	29.29M	21.60M	23.79M
Investing Cash Flow	118.52M	113.74M	-34.20M	-119.19M	-163.20M	-61.81M
Financing Cash Flow	-49.81M	-120.88M	22.86M	77.57M	69.85M	101.63M

Citizens Community Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 18.21
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Neutral

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 18.21 is above the 20-day moving average (MA) of 17.79, above the 50-day MA of 16.72, and above the 200-day MA of 15.38, indicating a bullish trend. The MACD of 0.51 indicates Negative momentum. The RSI at 78.63 is Negative, neither overbought nor oversold. The STOCH value of 75.03 is Neutral, 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
LARK	75 Outperform	$174.32M	10.12	11.72%	2.93%	12.31%	39.46%
FCAP	72 Outperform	$222.75M	15.11	11.84%	1.80%	11.36%	25.07%
BVFL	72 Outperform	$173.98M	17.13	5.32%	―	4.86%	-8.20%
CZWI	69 Neutral	$177.84M	14.30	7.00%	1.96%	-2.16%	-9.35%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CFBK	67 Neutral	$173.14M	10.79	9.18%	1.12%	2.33%	22.43%
MNSB	59 Neutral	$165.05M	-23.18	-2.07%	1.91%	1.92%	-174.59%

Citizens Community Bancorp Corporate Events

Citizens Community Bancorp Engages Investors at Hovde Conference

On November 6-7, 2025, Citizens Community Bancorp‘s executives participated in the Hovde Group Financial Services Conference in Naples, Florida, where they presented to institutional investors about factors affecting the company’s operations and results. This engagement highlights the company’s strategic focus on maintaining strong financial performance and market positioning amidst various economic challenges, including inflation and geopolitical tensions.