Citizens Community Bancorp (CZWI) AI Stock Analysis

• Market Cap: $200.76M
• Dividend Yield: 2%
• Average Volume (3M): 36.70K
• Price to Earnings (P/E): 12.0
• Beta (1Y): 0.40
• Revenue Growth: -2.16%
• EPS Growth: -9.35%
• Country: US
• Employees: 207
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.44
• Shares Outstanding: 9,628,612
• 10 Day Avg. Volume: 23,335
• 30 Day Avg. Volume: 36,697
• PEG Ratio: 1.34
• Price to Book (P/B): 0.92
• Price to Sales (P/S): 1.92
• P/FCF Ratio: 16.66
• Enterprise Value/Market Cap: 0.66
• Enterprise Value/Revenue: 1.48
• Enterprise Value/Gross Profit: 2.70
• Enterprise Value/Ebitda: 14.94
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 1.75
• Revenue Forecast (FY): $69.10M

• Rating: 62 Neutral
• Price Target: $21.50 ▲(17.36% Upside)
• Action: Downgraded Date: 03/06/26
• Date: Action: Downgraded 03/06/26

The score is driven primarily by moderate financial performance—stronger leverage and liquidity/capital support are offset by weakening revenue and a sharp step-down in operating margins. Technicals are currently neutral-to-soft (below short-term averages and slightly negative MACD), while valuation is reasonable and recent corporate actions (recurring quarterly dividend and shareholder-return messaging) provide a positive tailwind.

Positive Factors

Balance-sheet resilience

Citizens lowered leverage materially (debt/equity 0.28) while tangible equity rose year-over-year, giving durable capital and loss-absorption capacity. Stronger capitalization supports loan growth, dividend funding and buybacks without needing immediate external financing, enhancing long-term stability.

Negative Factors

Revenue decline and margin compression

An ~8% revenue drop alongside a steep EBIT margin decline indicates weakening operating leverage and structural pressure on core profitability. Unless revenue trends or cost structure improve, lower margins can persistently constrain earnings power and returns over several quarters.

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 ...

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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...

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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

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	90.07M	99.43M	94.44M	80.22M	80.06M
Gross Profit	49.25M	59.46M	59.01M	65.72M	69.69M
EBITDA	8.90M	20.87M	22.67M	27.61M	33.00M
Net Income	14.42M	13.75M	13.06M	17.76M	21.27M
Balance Sheet
Total Assets	1.78B	1.75B	1.85B	1.82B	1.74B
Cash, Cash Equivalents and Short-Term Investments	252.96M	123.05M	110.62M	35.61M	49.34M
Total Debt	51.80M	66.61M	147.00M	214.94M	169.95M
Total Liabilities	1.59B	1.57B	1.68B	1.65B	1.57B
Stockholders Equity	187.94M	179.08M	173.33M	167.09M	170.87M
Cash Flow
Free Cash Flow	10.38M	19.29M	11.76M	25.69M	17.82M
Operating Cash Flow	11.69M	20.18M	13.12M	29.29M	21.60M
Investing Cash Flow	45.71M	113.74M	-34.20M	-119.19M	-163.20M
Financing Cash Flow	11.28M	-120.88M	22.86M	77.57M	69.85M

Citizens Community Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 18.32
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• 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 18.32 is below the 20-day moving average (MA) of 19.31, below the 50-day MA of 18.68, and above the 200-day MA of 16.83, indicating a bullish trend. The MACD of 0.57 indicates Negative momentum. The RSI at 78.57 is Negative, neither overbought nor oversold. The STOCH value of 89.67 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
LARK	75 Outperform	$161.88M	8.47	12.36%	3.01%	12.31%	39.46%
BVFL	71 Outperform	$173.09M	11.33	5.32%	―	4.86%	-8.20%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FCAP	64 Neutral	$174.67M	12.10	9.16%	1.96%	11.36%	25.07%
MNSB	63 Neutral	$169.86M	9.98	7.26%	1.90%	1.92%	-174.59%
CZWI	62 Neutral	$200.76M	12.00	7.81%	2.00%	-2.16%	-9.35%
CFBK	58 Neutral	$190.11M	9.23	9.65%	1.16%	2.33%	22.43%

Citizens Community Bancorp Corporate Events