CZWI
Citizens Community Bancorp, Inc.
Price Chart
Latest Quote
$21.34
+0.09 (+0.42%)
Current Price
| Previous Close | $21.25 |
| Open | $21.25 |
| Day High | $21.53 |
| Day Low | $21.11 |
| Volume | 249,161 |
Stock Information
| Quarterly Dividend / Yield | $0.21 / 0.99% |
| Shares Outstanding | 9.64M |
| Quarterly Dividend Yield | 0.99% |
| Quarterly Dividend | $0.21 |
| Total Debt | $147.50M |
| Cash Equivalents | $47.59M |
| Revenue | $61.30M |
| Net Income | $14.98M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $205.81M |
| P/E Ratio | 13.86 |
| EPS (TTM) | $1.54 |
| Exchange | NGM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $333.66M |
| Sales | $61.30M |
| Income | $14.98M |
| Book/sh | $12.62 |
| Cash/sh | $4.93 |
| Employees | 217 |
Financial Ratios
| EPS Growth TTM | -28.90% |
Returns & Margins
| ROA | 0.83% |
| ROE | 8.08% |
| Operating Margin | 16.56% |
| Profit Margin | 24.43% |
Ownership
| Insider Ownership | 12.82% |
| Institutional Ownership | 61.28% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 9.63 |
| P/S | 3.36 |
| P/B | 1.69 |
Analyst Data
| Recommendation | none |
| Target Price | $24.00 |
Technical Indicators
| SMA20 | $20.73 |
| SMA50 | $20.70 |
| SMA200 | $18.18 |
| RSI | 58.74 |
| ATR | 0.9343 |
| Shares Float | 9.78M |
| Short Float | 0.90% |
| Short Ratio | 4.77 |
| Volatility | 0.53 |
| Rel Volume | 2.76 |
Performance History
| Week | +3.29% |
| Month | +5.07% |
| Quarter | +14.63% |
| 6 Months | +16.89% |
| YTD | +23.73% |
| Year | +61.66% |
| 3 Years | +155.59% |
| 5 Years | +72.32% |
| 10 Years | +138.35% |
Stock Score:
â Premium
Based on debt, profitability, growth, and cash flow metrics
â Premium Feature
Sign up for free to view detailed scoring breakdown â premium is free during our trial period!
Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $21.34 | 253,000 |
| 2026-06-17 | $21.25 | 145,800 |
| 2026-06-16 | $21.17 | 55,600 |
| 2026-06-15 | $20.87 | 76,200 |
| 2026-06-12 | $21.46 | 203,100 |
| 2026-06-11 | $20.66 | 237,500 |
| 2026-06-10 | $20.39 | 164,200 |
| 2026-06-09 | $20.39 | 111,700 |
| 2026-06-08 | $20.60 | 97,500 |
| 2026-06-05 | $20.75 | 42,800 |
| 2026-06-04 | $20.55 | 72,700 |
| 2026-06-03 | $20.51 | 20,800 |
| 2026-06-02 | $21.38 | 224,400 |
| 2026-06-01 | $20.00 | 21,600 |
| 2026-05-29 | $20.40 | 32,500 |
| 2026-05-28 | $20.63 | 12,500 |
| 2026-05-27 | $20.66 | 11,300 |
| 2026-05-26 | $20.69 | 17,800 |
| 2026-05-22 | $20.41 | 19,400 |
| 2026-05-21 | $20.41 | 10,600 |
| 2026-05-20 | $20.54 | 19,600 |
| 2026-05-19 | $20.31 | 10,800 |
About Citizens Community Bancorp, Inc.
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 in the United States, Wisconsin, Minnesota and internationally. The company offers various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit. It also provides various loan products, such as 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 maintains a portfolio of investments comprising mortgage-backed, asset-backed, U.S. Government sponsored agency, and corporate debt securities. Citizens Community Bancorp, Inc. was founded in 1938 and is based in Eau Claire, Wisconsin.
đ° Latest News
Are You Looking for a High-Growth Dividend Stock?
Zacks âĸ 2026-06-10T15:45:03Z
Why Citizens Community Bancorp, Inc. (CZWI) is a Great Dividend Stock Right Now
Zacks âĸ 2026-05-25T15:45:04Z
Zacks Industry Outlook Highlights Deutsche WSFS Financial, Southern Missouri Bancorp and Citizens Community Bancorp
Zacks âĸ 2026-05-21T15:17:00Z
Zacks Industry Outlook Highlights WSFS Financial, Southern Missouri Bancorp and Citizens Community Bancorp
Zacks âĸ 2026-05-20T13:23:00Z
3 Savings & Loan Stocks to Buy on Solid Industry Prospects
Zacks âĸ 2026-05-19T16:22:00Z
Pleasing Signs As A Number Of Insiders Buy Citizens Community Bancorp Stock
Simply Wall St. âĸ 2026-05-17T12:41:51Z
Why Citizens Community Bancorp, Inc. (CZWI) is a Top Dividend Stock for Your Portfolio
Zacks âĸ 2026-05-07T15:45:03Z
Citizens Community Bancorp, Inc. (CZWI) Beats Q1 Earnings and Revenue Estimates
Zacks âĸ 2026-04-27T13:40:02Z
West Bancorp (WTBA) Surpasses Q1 Earnings Estimates
Zacks âĸ 2026-04-23T12:35:04Z
Citizens Community Bancorp, Inc. (CZWI) is a Top Dividend Stock Right Now: Should You Buy?
Zacks âĸ 2026-04-20T15:45:03Z
Period:
Loading...
Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $62,294,000 | $56,287,000 | $58,537,000 | $67,194,000 |
| Operating Revenue | $62,294,000 | $56,287,000 | $58,537,000 | $67,194,000 |
| Expenses | ||||
| Interest Expense | $36,446,000 | $43,141,000 | $35,899,000 | $13,028,000 |
| Selling And Marketing Expense | $906,000 | $793,000 | $734,000 | $1,017,000 |
| General And Administrative Expense | $24,648,000 | $23,539,000 | $21,918,000 | $22,598,000 |
| Professional Expense And Contract Services Expense | $1,777,000 | $1,763,000 | $1,524,000 | $1,707,000 |
| Other Non Interest Expense | $10,013,000 | $10,043,000 | $9,718,000 | $9,877,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $14,420,000 | $13,751,000 | $13,059,000 | $17,761,000 |
| Net Interest Income | $51,184,000 | $46,474,000 | $48,349,000 | $56,369,000 |
| Interest Income | $87,630,000 | $89,615,000 | $84,248,000 | $69,397,000 |
| Normalized Income | $14,447,291 | $13,982,672 | $13,101,780 | $17,463,565 |
| Net Income From Continuing And Discontinued Operation | $14,420,000 | $13,751,000 | $13,059,000 | $17,761,000 |
| Net Income Common Stockholders | $14,420,000 | $13,751,000 | $13,059,000 | $17,761,000 |
| Net Income | $14,420,000 | $13,751,000 | $13,059,000 | $17,761,000 |
| Net Income Including Noncontrolling Interests | $14,420,000 | $13,751,000 | $13,059,000 | $17,761,000 |
| Net Income Continuous Operations | $14,420,000 | $13,751,000 | $13,059,000 | $17,761,000 |
| Pretax Income | $17,441,000 | $17,450,000 | $18,932,000 | $23,581,000 |
| Depreciation Amortization Depletion Income Statement | $584,000 | $715,000 | $755,000 | $1,449,000 |
| Depreciation And Amortization In Income Statement | $584,000 | $715,000 | $755,000 | $1,449,000 |
| Amortization Of Intangibles Income Statement | $584,000 | $715,000 | $755,000 | $1,449,000 |
| Special Income Charges | - | - | - | - |
| Per Share | ||||
| Diluted EPS | $1.46 | $1.34 | $1.25 | $1.69 |
| Basic EPS | $1.46 | $1.34 | $1.25 | $1.69 |
| Other | ||||
| Tax Effect Of Unusual Items | $-5,709 | $-62,328 | $-19,220 | $97,565 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-33,000 | $-294,000 | $-62,000 | $395,000 |
| Total Unusual Items Excluding Goodwill | $-33,000 | $-294,000 | $-62,000 | $395,000 |
| Reconciled Depreciation | $3,234,000 | $3,423,000 | $3,741,000 | $4,028,000 |
| Diluted Average Shares | $9,876,712 | $10,262,710 | $10,470,298 | $10,513,773 |
| Basic Average Shares | $9,876,712 | $10,261,940 | $10,447,200 | $10,509,467 |
| Diluted NI Availto Com Stockholders | $14,420,000 | $13,751,000 | $13,059,000 | $17,761,000 |
| Tax Provision | $3,021,000 | $3,699,000 | $5,873,000 | $5,820,000 |
| Gain On Sale Of Security | $234,000 | $-856,000 | $459,000 | $541,000 |
| Amortization | $584,000 | $715,000 | $755,000 | $1,449,000 |
| Selling General And Administration | $25,554,000 | $24,332,000 | $22,652,000 | $23,615,000 |
| Insurance And Claims | $773,000 | $798,000 | $812,000 | $470,000 |
| Salaries And Wages | $23,875,000 | $22,741,000 | $21,106,000 | $22,128,000 |
| Occupancy And Equipment | $4,975,000 | $5,159,000 | $5,431,000 | $5,490,000 |
| Gain On Sale Of Business | - | - | - | - |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-17
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $152,552,000 | $142,944,000 | $136,277,000 | $128,879,000 |
| Total Assets | $1,781,755,000 | $1,748,519,000 | $1,851,391,000 | $1,816,386,000 |
| Goodwill And Other Intangible Assets | $35,387,000 | $36,140,000 | $37,057,000 | $38,209,000 |
| Other Intangible Assets | $3,889,000 | $4,642,000 | $5,559,000 | $6,711,000 |
| Receivables | $6,126,000 | $5,653,000 | $5,409,000 | $5,285,000 |
| Accounts Receivable | $6,126,000 | $5,653,000 | $5,409,000 | $5,285,000 |
| Cash And Cash Equivalents | $118,853,000 | $50,172,000 | $37,138,000 | $35,612,000 |
| Cash Cash Equivalents And Federal Funds Sold | $118,853,000 | $50,172,000 | $37,138,000 | $35,612,000 |
| Debt | ||||
| Total Debt | $51,804,000 | $66,606,000 | $146,995,000 | $214,939,000 |
| Long Term Debt And Capital Lease Obligation | $51,804,000 | $61,606,000 | $67,465,000 | $72,409,000 |
| Long Term Debt | $51,804,000 | $61,606,000 | $67,465,000 | $72,409,000 |
| Current Debt And Capital Lease Obligation | $0 | $5,000,000 | $79,530,000 | $142,530,000 |
| Current Debt | $0 | $5,000,000 | $79,530,000 | $142,530,000 |
| Other Current Borrowings | $0 | $5,000,000 | $79,530,000 | $142,530,000 |
| Net Debt | - | $16,434,000 | $109,857,000 | $179,327,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,593,816,000 | $1,569,435,000 | $1,678,057,000 | $1,649,298,000 |
| Equity | ||||
| Common Stock Equity | $187,939,000 | $179,084,000 | $173,334,000 | $167,088,000 |
| Total Equity Gross Minority Interest | $187,939,000 | $179,084,000 | $173,334,000 | $167,088,000 |
| Stockholders Equity | $187,939,000 | $179,084,000 | $173,334,000 | $167,088,000 |
| Gains Losses Not Affecting Retained Earnings | $-12,467,000 | $-16,420,000 | $-17,328,000 | $-17,656,000 |
| Other Equity Adjustments | $-12,467,000 | $-16,420,000 | $-17,328,000 | $-17,656,000 |
| Retained Earnings | $89,995,000 | $80,840,000 | $71,117,000 | $65,400,000 |
| Other | ||||
| Ordinary Shares Number | $9,617,245 | $9,981,996 | $10,440,591 | $10,425,119 |
| Share Issued | $9,617,245 | $9,981,996 | $10,440,591 | $10,425,119 |
| Tangible Book Value | $152,552,000 | $142,944,000 | $136,277,000 | $128,879,000 |
| Invested Capital | $239,743,000 | $245,690,000 | $320,329,000 | $382,027,000 |
| Total Capitalization | $239,743,000 | $240,690,000 | $240,799,000 | $239,497,000 |
| Additional Paid In Capital | $110,315,000 | $114,564,000 | $119,441,000 | $119,240,000 |
| Capital Stock | $96,000 | $100,000 | $104,000 | $104,000 |
| Common Stock | $96,000 | $100,000 | $104,000 | $104,000 |
| Investments And Advances | $223,216,000 | $235,975,000 | $252,980,000 | $266,672,000 |
| Held To Maturity Securities | $80,110,000 | $85,404,000 | $91,229,000 | $96,379,000 |
| Available For Sale Securities | $74,316,000 | $77,598,000 | $88,271,000 | $170,293,000 |
| Goodwill | $31,498,000 | $31,498,000 | $31,498,000 | $31,498,000 |
| Net PPE | $16,357,000 | $17,075,000 | $18,373,000 | $20,493,000 |
| Accumulated Depreciation | $-16,594,000 | $-14,565,000 | $-12,599,000 | $-10,474,000 |
| Gross PPE | $32,951,000 | $31,640,000 | $30,972,000 | $30,967,000 |
| Machinery Furniture Equipment | $11,986,000 | $11,554,000 | $11,096,000 | $10,255,000 |
| Buildings And Improvements | $16,663,000 | $16,210,000 | $16,093,000 | $16,856,000 |
| Land And Improvements | $4,302,000 | $3,876,000 | $3,783,000 | $3,856,000 |
| Other Short Term Investments | $68,790,000 | $72,973,000 | $73,480,000 | $0 |
| Treasury Shares Number | - | - | $0 | - |
Fetched: 2026-06-17
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $10,382,000 | $19,511,000 | $11,757,000 | $25,686,000 |
| Operating Activities | ||||
| Operating Cash Flow | $11,693,000 | $20,400,000 | $13,124,000 | $29,288,000 |
| Cash Flow From Continuing Operating Activities | $11,693,000 | $20,400,000 | $13,124,000 | $29,288,000 |
| Operating Gains Losses | $-3,159,000 | $-1,360,000 | $-1,771,000 | $-1,279,000 |
| Investing Activities | ||||
| Capital Expenditure | $-1,311,000 | $-889,000 | $-1,367,000 | $-3,602,000 |
| Investing Cash Flow | $45,706,000 | $113,739,000 | $-34,205,000 | $-119,187,000 |
| Cash Flow From Continuing Investing Activities | $45,706,000 | $113,739,000 | $-34,205,000 | $-119,187,000 |
| Net Other Investing Changes | $70,000 | $1,403,000 | $307,000 | $1,797,000 |
| Capital Expenditure Reported | $-1,311,000 | $-889,000 | $-1,367,000 | $-3,602,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-6,245,000 | $-6,216,000 | $-550,000 | $-1,914,000 |
| Financing Cash Flow | $11,282,000 | $-121,105,000 | $22,856,000 | $77,571,000 |
| Cash Flow From Continuing Financing Activities | $11,282,000 | $-121,105,000 | $22,856,000 | $77,571,000 |
| Cash Dividends Paid | $-3,598,000 | $-3,346,000 | $-3,040,000 | $-2,742,000 |
| Common Stock Dividend Paid | $-3,598,000 | $-3,346,000 | $-3,040,000 | $-2,742,000 |
| Net Common Stock Issuance | $-6,245,000 | $-6,216,000 | $-550,000 | $-1,914,000 |
| Dividends Received Cfi | $197,000 | $276,000 | $132,000 | - |
| Net Other Financing Charges | - | $224,000 | $223,000 | $401,000 |
| Other | ||||
| Repayment Of Debt | $-20,000,000 | $-80,613,000 | $-93,167,000 | $-101,621,000 |
| Issuance Of Debt | $4,995,000 | $0 | $25,000,000 | $146,191,000 |
| Interest Paid Supplemental Data | $38,609,000 | $39,562,000 | $33,533,000 | $12,645,000 |
| Income Tax Paid Supplemental Data | $2,065,000 | $2,318,000 | $3,977,000 | $4,865,000 |
| End Cash Position | $118,853,000 | $50,172,000 | $37,138,000 | $35,363,000 |
| Beginning Cash Position | $50,172,000 | $37,138,000 | $35,363,000 | $47,691,000 |
| Changes In Cash | $68,681,000 | $13,034,000 | $1,775,000 | $-12,328,000 |
| Proceeds From Stock Option Exercised | $179,000 | $22,000 | $29,000 | $71,000 |
| Common Stock Payments | $-6,245,000 | $-6,216,000 | $-550,000 | $-1,914,000 |
| Net Issuance Payments Of Debt | $-15,005,000 | $-80,613,000 | $-68,167,000 | $44,570,000 |
| Net Short Term Debt Issuance | $0 | $-10,000,000 | $-15,000,000 | $-55,000,000 |
| Short Term Debt Payments | $0 | $-10,000,000 | $-15,000,000 | $-55,000,000 |
| Net Long Term Debt Issuance | $-15,005,000 | $-70,613,000 | $-53,167,000 | $99,570,000 |
| Long Term Debt Payments | $-20,000,000 | $-70,613,000 | $-78,167,000 | $-46,621,000 |
| Long Term Debt Issuance | $4,995,000 | $0 | $25,000,000 | $146,191,000 |
| Net Investment Purchase And Sale | $18,237,000 | $20,619,000 | $14,760,000 | $-17,287,000 |
| Sale Of Investment | $29,386,000 | $21,069,000 | $27,117,000 | $36,016,000 |
| Purchase Of Investment | $-11,149,000 | $-450,000 | $-12,357,000 | $-53,303,000 |
| Net PPE Purchase And Sale | $0 | $13,000 | $12,000 | $14,000 |
| Sale Of PPE | $0 | $13,000 | $12,000 | $14,000 |
| Change In Working Capital | $-2,054,000 | $936,000 | $848,000 | $-1,541,000 |
| Change In Other Current Liabilities | $3,232,000 | $2,711,000 | $794,000 | $-1,620,000 |
| Change In Receivables | $-5,286,000 | $-1,775,000 | $54,000 | $79,000 |
| Changes In Account Receivables | $-5,286,000 | $-1,775,000 | $54,000 | $79,000 |
| Other Non Cash Items | $-1,576,000 | $6,523,000 | $-2,416,000 | $7,644,000 |
| Deferred Tax | $-1,058,000 | $380,000 | $202,000 | $1,156,000 |
| Deferred Income Tax | $-1,058,000 | $380,000 | $202,000 | $1,156,000 |
| Depreciation Amortization Depletion | $3,234,000 | $3,423,000 | $3,741,000 | $4,028,000 |
| Depreciation And Amortization | $3,234,000 | $3,423,000 | $3,741,000 | $4,028,000 |
| Amortization Cash Flow | $1,205,000 | $1,249,000 | $1,370,000 | $1,671,000 |
| Amortization Of Intangibles | $1,205,000 | $1,249,000 | $1,370,000 | $1,671,000 |
| Depreciation | $2,029,000 | $2,174,000 | $2,371,000 | $2,357,000 |
| Gain Loss On Investment Securities | $-234,000 | $856,000 | $-459,000 | $-541,000 |
| Net Income From Continuing Operations | $14,420,000 | $13,751,000 | $13,059,000 | $17,761,000 |
| Gain Loss On Sale Of PPE | - | $0 | $380,000 | $736,000 |
| Stock Based Compensation | - | - | $0 | $3,000 |
| Unrealized Gain Loss On Investment Securities | - | - | - | $-541,000 |
| Net Business Purchase And Sale | - | - | - | - |
| Sale Of Business | - | - | - | - |
| Change In Other Working Capital | - | - | - | - |
| Gain Loss On Sale Of Business | - | - | - | - |
Fetched: 2026-06-17