Citizens Community Bancorp, Inc. (CZWI)

NGM – Real Time Price. Currency in USD

20.63

+0.12 (0.59%)

Market open: Aug 12, 2026, 2:07 PM EDT

20.51

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 7:34 PM EDT

Stock details

Previous close: 20.46$
Day's range: 19.49 - 20.83$
52-week range: 14.61 - 24.43$
Volume: 6 634
Average volume: 42 611
Beta: -0.23
EPS (TTM): 1.32
PE ratio (TTM): 15.56
Forward P/E: 14.36
Market cap: 197 443 735
Shares outstanding: 9 650 231
Dividend yield: $2.78 (2.78%)
Next earnings date: 2026-10-26
Sector: Financials
Industry: Banks - Regional

About the company

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 pr... read more

CEO: Stephen Bianchi
Country: United States
IPO Date
Employees: 238
Fiscal Year End: January - December
Website: https://ccf.us

Revenue Breakdown

Banking Operations / 100.00%

News

No Data

There are no news for this stock.

Chart: CZWI

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Overall Score

4.3 / 1043%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $51.9M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.3) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.12	2.82	2.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.27	0.05	8.0
Debt to Assets	0.03	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			6.0

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	80M	94M	99M	98M	98M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	24M	19M	17M	17M	15M
Net Income	18M	13M	14M	14M	13M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	7.76	0.44	4.0
Net margin %	6.91	32.70	5.0
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			2.4

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	0.77	1.46	2.0
ROE	7.44	14.94	5.0
ROIC	5.70	0.00	6.0
ROCE	N/A	0.00	1.0
Weighted average score			3.5

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	4.09	25.68	7.0
Next quarter	12.49	14.77	7.5
Current year	10.14	10.62	7.0
Next year	10.98	35.91	8.5
Weighted average score			7.5

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	0.11	-70.64	-71.78	4.41	2.0
Y/Y	-2.81	-66.29	-66.66	23.41	3.3
3y average	7.31	-5.42	-4.54	-63.87	2.0
5y average	4.45	6.87	10.82	-29.04	4.3
Weighted average score					2.9

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	15.51	11.16	4.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	3.08	3.37	4.4
P/B	1.02	1.53	7.4
Weighted average score			4.4

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR2.79%

FCF 5 year CAGR4

Fair value10.02$

Stock price20.63$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	2.17	2.17	7.0
Payout ratio	21.49	21.49	4.0
5-year dividend growth rate	11.38	11.38	10
Years of dividend increase	6.00	6.00	6.0
Weighted average score			6.8

Fair Value

$10.02

UndervaluedStock priceOvervalued

$20.63

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Stephen Bianchi

Country

United States

IPO Date

Employees

238

Fiscal Year End

January - December

Website

https://ccf.us

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.12

2.82

2.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.27

0.05

8.0

Debt to Assets

0.03

0.09

9.0

Interest coverage

N/A

Weighted average score

6.0

METRIC

2022

2023

2024

2025

TTM

Total Revenue

80M

94M

99M

98M

Gross Profit

N/A

Operating Income

24M

19M

17M

15M

Net Income

18M

13M

14M

13M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

7.76

0.44

4.0

Net margin %

6.91

32.70

5.0

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

N/A

0.00

1.0

Weighted average score

2.4

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

0.77

1.46

2.0

ROE

7.44

14.94

5.0

ROIC

5.70

0.00

6.0

ROCE

N/A

0.00

1.0

Weighted average score

3.5

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

4.09

25.68

7.0

Next quarter

12.49

14.77

7.5

Current year

10.14

10.62

7.0

Next year

10.98

35.91

8.5

Weighted average score

7.5

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

0.11

-70.64

-71.78

4.41

2.0

Y/Y

-2.81

-66.29

-66.66

23.41

3.3

3y average

7.31

-5.42

-4.54

-63.87

2.0

5y average

4.45

6.87

10.82

-29.04

4.3

Weighted average score

2.9

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

15.51

11.16

4.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

3.08

3.37

4.4

P/B

1.02

1.53

7.4

Weighted average score

4.4

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

2.17

7.0

Payout ratio

21.49

4.0

5-year dividend growth rate

11.38

Years of dividend increase

6.00

6.0

Weighted average score

6.8

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Citizens Community Bancorp, Inc. (CZWI)

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Citizens Community Bancorp, Inc. (CZWI)

Stock details

About the company

Revenue Breakdown

News

Chart: CZWI

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$10.02

$20.63

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: CZWI

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$10.02

$20.63

Economic Moat