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CZWI Stock Chart & Stats
$20.85
-$2.09(-8.87%)
At close: 4:00 PM EDT
$20.85
-$2.09(-8.87%)
Day’s Range― - ―
52-Week Range$14.61 - $24.43
Previous CloseN/A
Volume39.28K
Average Volume (3M)44.63K
Market Cap
$204.78M
Enterprise Value$156.28M
Total Cash (Recent Filing)$121.76M
Total Debt (Recent Filing)$51.88M
Price to Earnings (P/E)16.2
Beta0.26
Next Earnings
Oct 26, 2026EPS Estimate
0.44Next Dividend Ex-DateN/A
Dividend Yield1.48%
Share Statistics
EPS (TTM)1.31
Shares Outstanding9,650,231
10 Day Avg. Volume26,306
30 Day Avg. Volume44,631
Financial Highlights & Ratios
PEG Ratio1.36
Price to Book (P/B)0.92
Price to Sales (P/S)1.92
P/FCF Ratio16.66
Enterprise Value/Market Cap0.76
Enterprise Value/Revenue1.79
Enterprise Value/Gross Profit3.21
Enterprise Value/Ebitda33.83
Forecast
1Y Price Target
$23.00Price Target Upside10.31% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)1.43
Revenue Forecast (FY)$66.50M
Bulls Say, Bears Say
Bulls Say
Improved LeverageSubstantially lower leverage and steadily growing equity improve the bank’s financial flexibility and capacity to absorb operating volatility. A stronger capital position can also support continued lending and investment without relying as heavily on external funding.
Strong Cash GenerationStrong operating and free cash flow, closely tracking net income, supports the quality of reported earnings and provides internally generated resources for lending, dividends, and other capital needs. The rebound also strengthens resilience if earnings remain uneven.
Core Banking MomentumContinued loan growth alongside modest margin expansion and rising pre-provision revenue indicates that core banking activity remains productive before credit costs. If sustained, these trends can help rebuild earnings capacity and support book-value growth.
Bears Say
Compressed ProfitabilityRevenue contraction combined with severe EBIT-margin compression signals materially weaker operating earnings power. Even though the company remains profitable, sustained pressure on spread income or operating efficiency could reduce its ability to compound earnings over the coming quarters.
Deteriorating Credit QualityRising nonperforming assets and heavier credit-loss provisioning directly reduce near-term earnings and can require additional reserves if troubled loans deteriorate further. Persistent credit stress would also constrain lending returns and weaken the benefits of core growth.
Lower Capital ProductivityThe decline in return on equity shows that the larger capital base is currently generating less profit, weakening capital efficiency. Unless earnings recover, lower ROE could limit the bank’s ability to create shareholder value and may keep internal growth returns modest.
Citizens Community Bancorp News
CZWI FAQ
What was Citizens Community Bancorp’s price range in the past 12 months?
Citizens Community Bancorp lowest stock price was $14.61 and its highest was $24.43 in the past 12 months.
What is Citizens Community Bancorp’s market cap?
Citizens Community Bancorp’s market cap is $204.78M.
When is Citizens Community Bancorp’s upcoming earnings report date?
Citizens Community Bancorp’s upcoming earnings report date is Oct 26, 2026 which is in 7 days.
How were Citizens Community Bancorp’s earnings last quarter?
Citizens Community Bancorp released its earnings results on Jul 27, 2026. The company reported $0.11 earnings per share for the quarter, missing the consensus estimate of $0.41 by -$0.3.
Is Citizens Community Bancorp overvalued?
According to Wall Street analysts Citizens Community Bancorp’s price is currently Undervalued.
Does Citizens Community Bancorp pay dividends?
Citizens Community Bancorp pays a Quarterly dividend of $0.105 which represents an annual dividend yield of 1.48%. See more information on Citizens Community Bancorp dividends here
What is Citizens Community Bancorp’s EPS estimate?
Citizens Community Bancorp’s EPS estimate is 0.44.
How many shares outstanding does Citizens Community Bancorp have?
Citizens Community Bancorp has 9,650,231 shares outstanding.
What happened to Citizens Community Bancorp’s price movement after its last earnings report?
Citizens Community Bancorp reported an EPS of $0.11 in its last earnings report, missing expectations of $0.41. Following the earnings report the stock price went down -9.166%.
Which hedge fund is a major shareholder of Citizens Community Bancorp?
Currently, no hedge funds are holding shares in CZWI
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Citizens Community Bancorp Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$23.00 (10.31% Upside)
$23.00 (10.31% Upside)
Blogger Sentiment
Neutral
CZWI Sentiment 100%
Sector Average 64%
Sector Average 64%
Hedge Fund Trend
Decreased
By 48.7K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $30.6K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
42.61%
12-Months-Change
Fundamentals
Return on Equity
6.77%
Trailing 12-Months
Asset Growth
4.56%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Citizens Community Bancorp
Citizens Community Bancorp, Inc. functions as the parent entity for Citizens Community Federal N.A., offering a comprehensive array of conventional banking solutions to businesses, agricultural enterprises, and individual customers. The company facilitates client deposits through diverse products, including checking accounts, savings and money market accounts, and certificates of deposit (CDs). Its lending portfolio is equally broad, encompassing commercial real estate loans, commercial and industrial financing, agricultural land and operational loans, consumer credit, mortgages for one-to-four family residences, and home equity lines of credit. Furthermore, Citizens Community Bancorp manages an investment portfolio featuring various securities such as mortgage-backed, corporate asset-backed, U.S. government agency-sponsored, corporate debt, and trust preferred instruments. Its operations span Wisconsin and Minnesota, supported by a network of 25 full-service branches. Established in 1938, the bank holding company is headquartered in Eau Claire, Wisconsin.
CZWI Stock 12 Month Forecast
Average Price Target
$23.00
▲(10.31% Upside)
Technical Analysis
CF Bankshares
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First Capital
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Landmark Bancorp
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MainStreet Bancshares
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BV Financial, Inc.
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Ownership Overview
3.84% Insiders
15.96% Mutual Funds
0.88% Other Institutional Investors
65.72% Public Companies and
Individual Investors