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CZWI Overview

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0.000
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ET
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Intellectia

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High
21.475
Open
20.990
VWAP
21.11
Vol
17.24K
Mkt Cap
206.38M
Low
20.450
Amount
363.97K
EV/EBITDA(TTM)
5.13
Total Shares
9.64M
EV
109.03M
EV/OCF(TTM)
1.94
P/S(TTM)
3.71
Citizens Community Bancorp, Inc. is a bank holding company for Citizens Community Federal N.A. (the Bank). The Bank is a federally chartered national bank serving customers in Wisconsin and Minnesota. Its primary markets include the Chippewa Valley Region in Wisconsin, the Twin Cities and Mankato markets in Minnesota, and various rural communities around these areas. The Bank offers traditional community banking services to businesses, agricultural operators and consumers, including one-to-four family residential mortgages. The Bank offers a variety of loan products including commercial real estate loans, commercial and industrial (C&I) loans, agricultural real estate loans, agricultural operating loans, residential mortgages, home equity lines-of-credit and consumer loans. It maintains a portfolio of investments, consisting primarily of mortgage-backed securities, asset-backed securities, the United States Government sponsored agency securities and corporate debt securities.
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Events Timeline

(ET)
2026-01-26
08:40:00
Company Repurchases 250,000 Shares and Declares Quarterly Dividend
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2025-10-27 (ET)
2025-10-27
08:33:34
Citizens Community Bancorp announces Q3 earnings per share of 37 cents, up from 32 cents a year ago.
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2025-07-28 (ET)
2025-07-28
08:35:20
Citizens Community Bancorp board authorized 5% stock buyback
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2025-07-28
08:34:11
Citizens Community Bancorp reports Q2 EPS 33c vs 36c last year
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2025-04-28 (ET)
2025-04-28
08:36:06
Citizens Community Bancorp reports Q1 EPS 32c vs 39c last year
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2025-01-27 (ET)
2025-01-27
07:34:02
Citizens Community Bancorp reports Q4 EPS 27c vs 35c last year
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2024-10-28 (ET)
2024-10-28
08:35:05
Citizens Community Bancorp reports Q3 adjusted EPS 32c vs 24c last year
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News

seekingalpha
9.5
04-27seekingalpha
Citizens Community Bancorp Reports Q1 Earnings
  • Earnings Per Share: Citizens Community Bancorp reported a GAAP EPS of $0.39 for Q1, indicating stable profitability in the current economic environment, which enhances investor confidence in future growth prospects.
  • Net Interest Income Growth: The bank achieved net interest income of $13.0 million this quarter, reflecting an increase from the previous year, showcasing effective asset-liability management in changing interest rate conditions, thereby strengthening its financial foundation.
  • Pre-Provision Net Revenue: The pre-provision net revenue (PPNR) stood at $5.38 million, indicating improved operational efficiency before provisioning, which aids in future capital allocation decisions and strategic planning.
  • Dividend Distribution Plan: The Board declared a quarterly dividend of $0.105 per share, payable on May 22, 2026, to shareholders of record as of May 8, 2026, demonstrating the company's ongoing commitment to shareholder returns and enhancing market expectations of its stability.
NASDAQ.COM
9.5
04-27NASDAQ.COM
Citizens Community Bancorp Reports Q1 Profit Increase
  • Profit Growth: Citizens Community Bancorp reported a net profit of $3.76 million for Q1, translating to earnings per share of $0.39, which is a notable increase from last year's $3.20 million and $0.32 per share, indicating enhanced profitability.
  • Revenue Increase: The company's revenue for the quarter rose to $21.52 million, up 2.0% from $21.10 million last year, reflecting stable performance and ongoing customer demand in the market.
  • Financial Health Indicators: The growth in net profit and earnings per share compared to last year suggests positive progress in cost control and operational efficiency, thereby boosting investor confidence.
  • Optimistic Market Outlook: With economic recovery and an improving interest rate environment, Citizens Community Bancorp is poised to continue achieving revenue and profit growth in the future, further solidifying its competitive position in the regional market.
Newsfilter
9.5
04-27Newsfilter
Citizens Community Bancorp Reports Q1 Earnings Highlights
  • Quarterly Earnings Performance: Citizens Community Bancorp reported a net income of $3.8 million for Q1 2026, translating to $0.39 per diluted share, which reflects a decrease from $4.3 million and $0.44 per share in Q4 2025, yet an increase from $3.2 million and $0.32 per share in Q1 2025, indicating fluctuations in profitability.
  • Loan and Deposit Growth: The bank experienced a loan growth of $17.9 million, or 1.3%, and a deposit increase of 2.7% to $1.57 billion in Q1, demonstrating resilience in business growth during a seasonal low point, thereby enhancing competitive positioning in the market.
  • Net Interest Income Changes: Net interest income slightly decreased to $13 million, down $0.1 million from the previous quarter, primarily due to fewer business days; however, loan yields increased by 5 basis points and deposit costs decreased by 8 basis points, resulting in a net interest margin rise of 3 basis points to 3.18%.
  • Asset Quality and Capital Adequacy: As of March 31, 2026, total nonperforming assets rose to $18.2 million from $16.7 million at December 31, 2025, while the capital ratio remained strong at 10.47%, reflecting the company's ongoing focus on risk management amidst rising asset quality concerns.
moomoo
9.5
04-27moomoo
CITIZENS COMMUNITY BANCORP Reports Q1 Earnings Per Share of USD 0.39
  • Company Overview: Citizens Community Bancorp is a financial institution that operates as a community bank, providing various banking services to its customers.

  • Earnings Report: The company reported earnings per share (EPS) of $0.39 for the first quarter, indicating its financial performance during this period.

  • Market Position: Citizens Community Bancorp is positioned within the banking sector, focusing on serving local communities and enhancing customer relationships.

  • Future Outlook: The bank aims to continue its growth trajectory by expanding its services and maintaining a strong presence in the community banking sector.

seekingalpha
9.5
01-26seekingalpha
Citizens Community Bancorp Q4 Financial Highlights
  • Earnings Performance: Citizens Community Bancorp reported a GAAP EPS of $0.44 for Q4 2025, indicating stable profitability despite market challenges.
  • Revenue Growth: The company achieved revenue of $15.75 million in the quarter, reflecting effective market strategies in retail and public deposits.
  • Nonperforming Assets: Nonperforming assets remained flat at $16.7 million as of December 31, 2025, compared to September 30, 2025, demonstrating stability in asset quality management.
  • Deposit Increase: Total deposits increased by $43.5 million during Q4 2025 to $1.524 billion, primarily driven by growth in retail consumer deposits and seasonal public deposits, enhancing the company's liquidity and market competitiveness.
Yahoo Finance
9.5
01-18Yahoo Finance
Citizens Community Bancorp (CZWI) Stock Rises 71% Over Five Years
  • Significant Stock Growth: Citizens Community Bancorp's share price has increased by 71% over the past five years, significantly outperforming the market average, indicating strong investor confidence and company performance.
  • Earnings Growth: During the same period, the company's earnings per share (EPS) achieved a compound annual growth rate of 3.9%, which, while lower than the stock price's annual growth of 11%, still reflects stable profitability.
  • Enhanced Shareholder Returns: Over the last five years, Citizens Community Bancorp's total shareholder return (TSR) reached 91%, far exceeding the share price return, highlighting the positive impact of the company's dividend policy on investors.
  • Management Confidence: Significant insider purchases in the past year reflect confidence in future growth, although future earnings will be crucial for shareholder profitability.

Valuation Metrics

The current forward P/E ratio for Citizens Community Bancorp Inc (CZWI.O) is 10.72, compared to its 5-year average forward P/E of 10.20. For a more detailed relative valuation and DCF analysis to assess Citizens Community Bancorp Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
10.20
Current PE
10.72
Overvalued PE
11.39
Undervalued PE
9.02

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.84
Current EV/EBITDA
7.16
Overvalued EV/EBITDA
4.01
Undervalued EV/EBITDA
-2.33

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
2.25
Current PS
2.74
Overvalued PS
2.52
Undervalued PS
1.98

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Frequently Asked Questions

What is Citizens Community Bancorp Inc (CZWI) stock price today?

The current price of CZWI is 21.4 USD — it has increased 1.52

What is Citizens Community Bancorp Inc (CZWI)'s business?

Citizens Community Bancorp, Inc. is a bank holding company for Citizens Community Federal N.A. (the Bank). The Bank is a federally chartered national bank serving customers in Wisconsin and Minnesota. Its primary markets include the Chippewa Valley Region in Wisconsin, the Twin Cities and Mankato markets in Minnesota, and various rural communities around these areas. The Bank offers traditional community banking services to businesses, agricultural operators and consumers, including one-to-four family residential mortgages. The Bank offers a variety of loan products including commercial real estate loans, commercial and industrial (C&I) loans, agricultural real estate loans, agricultural operating loans, residential mortgages, home equity lines-of-credit and consumer loans. It maintains a portfolio of investments, consisting primarily of mortgage-backed securities, asset-backed securities, the United States Government sponsored agency securities and corporate debt securities.

What is the price predicton of CZWI Stock?

Wall Street analysts forecast CZWI stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for CZWI is USD with a low forecast of USD and a high forecast of USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Citizens Community Bancorp Inc (CZWI)'s revenue for the last quarter?

Citizens Community Bancorp Inc revenue for the last quarter amounts to 14.31M USD, increased 17.10

What is Citizens Community Bancorp Inc (CZWI)'s earnings per share (EPS) for the last quarter?

Citizens Community Bancorp Inc. EPS for the last quarter amounts to 0.39 USD, increased 21.88

How many employees does Citizens Community Bancorp Inc (CZWI). have?

Citizens Community Bancorp Inc (CZWI) has 217 emplpoyees as of May 11 2026.

What is Citizens Community Bancorp Inc (CZWI) market cap?

Today CZWI has the market capitalization of 206.38M USD.