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Citizens Community Bancorp
(NASDAQ:CZWI)
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Rating:60Neutral
Price Target:
$23.00
▲(10.31% Upside)
Action:Reiterated
Date:09/06/26
CZWI scores as a middle-of-the-road setup driven primarily by stable but weakening financial performance—improved leverage and strong TTM cash generation are positives, but declining revenue and sharply compressed operating margins weigh heavily. Technicals are only mildly supportive (above key moving averages but slightly negative MACD), valuation is neutral (P/E ~16.85 with a modest ~1.43% yield), and corporate events are mixed with buyback support offset by credit-quality/earnings pressure signals.
Positive Factors
Improved leverage
Substantially 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.
Negative Factors
Compressed profitability
Revenue 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved leverage
Substantially 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.
Read all positive factors
Citizens Community Bancorp (CZWI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$212.98M
Dividend Yield1.43%
Average Volume (3M)47.22K
Price to Earnings (P/E)16.8
Beta (1Y)0.27
Revenue Growth0.77%
EPS Growth6.16%
CountryUS
Employees217
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.31
Shares Outstanding9,650,231
10 Day Avg. Volume37,604
30 Day Avg. Volume47,215
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$23.50Price Target Upside12.71% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)1.62
Revenue Forecast (FY)$67.90M
Citizens Community Bancorp Business Overview & Revenue Model
Company Description
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 fa...
How the Company Makes Money
CZWI primarily makes money through its bank subsidiary by earning net interest income and noninterest income. Net interest income is generated from interest and fees earned on loans and other interest-earning assets (such as certain investment sec...
Citizens Community Bancorp Financial Statement Overview
Summary
Income Statement
52
Neutral
Balance Sheet
71
Positive
Cash Flow
68
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 87.53M | 90.07M | 99.43M | 94.44M | 80.22M | 80.06M |
| Gross Profit | 48.72M | 49.25M | 59.46M | 59.01M | 65.72M | 69.69M |
| EBITDA | 3.31M | 8.90M | 20.87M | 22.67M | 27.61M | 33.00M |
| Net Income | 12.81M | 14.42M | 13.75M | 13.06M | 17.76M | 21.27M |
Balance Sheet | ||||||
| Total Assets | 1.81B | 1.78B | 1.75B | 1.85B | 1.82B | 1.74B |
| Cash, Cash Equivalents and Short-Term Investments | 121.76M | 187.64M | 123.05M | 110.62M | 35.61M | 49.34M |
| Total Debt | 51.88M | 51.80M | 66.61M | 147.00M | 214.94M | 169.95M |
| Total Liabilities | 1.62B | 1.59B | 1.57B | 1.68B | 1.65B | 1.57B |
| Stockholders Equity | 191.35M | 187.94M | 179.08M | 173.33M | 167.09M | 170.87M |
Cash Flow | ||||||
| Free Cash Flow | 21.39M | 10.38M | 19.29M | 11.76M | 25.69M | 17.82M |
| Operating Cash Flow | 22.38M | 11.69M | 20.18M | 13.12M | 29.29M | 21.60M |
| Investing Cash Flow | -26.22M | 45.71M | 113.74M | -34.20M | -119.19M | -163.20M |
| Financing Cash Flow | 58.16M | 11.28M | -120.88M | 22.86M | 77.57M | 69.85M |
Citizens Community Bancorp Technical Analysis
Positive
20.85
Price Trends
21.98
Positive
21.37
Positive
19.75
Positive
Market Momentum
-0.05
Negative
61.13
Neutral
70.38
Neutral
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 20.85 is below the 20-day moving average (MA) of 21.00, below the 50-day MA of 21.98, and above the 200-day MA of 19.75, indicating a bullish trend. The MACD of -0.05 indicates Negative momentum. The RSI at 61.13 is Neutral, neither overbought nor oversold. The STOCH value of 70.38 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CZWI.
Citizens Community Bancorp Risk Analysis
Citizens Community Bancorp disclosed 31 risk factors in its most recent earnings report. Citizens Community Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Citizens Community Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
83 Outperform | $196.74M | 9.63 | 12.49% | 2.57% | 3.33% | 22.98% | |
81 Outperform | $216.80M | 11.72 | 13.40% | 1.91% | 10.84% | 40.36% | |
76 Outperform | $181.16M | 12.53 | 8.00% | 1.57% | -6.41% | ― | |
68 Neutral | $231.77M | 12.23 | 10.09% | 0.98% | -0.39% | 4.70% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $182.80M | 14.20 | 7.07% | 0.70% | 3.34% | 48.71% | |
60 Neutral | $212.98M | 16.85 | 6.77% | 1.43% | 0.77% | 6.16% |
* Financial Sector Average
CZWI
Citizens Community Bancorp
22.07
5.82
35.83%
CFBK
CF Bankshares
35.70
10.52
41.77%
FCAP
First Capital
64.82
22.52
53.23%
LARK
Landmark Bancorp
32.25
7.25
28.98%
MNSB
MainStreet Bancshares
25.44
3.77
17.41%
BVFL
BV Financial, Inc.
21.58
4.85
28.99%
Citizens Community Bancorp Corporate Events
Business Operations and StrategyStock Buyback
Citizens Community Bancorp Announces New Share Repurchase Program
Positive
Sep 2, 2026
On September 2, 2026, Citizens Community Bancorp, Inc.’s Board authorized a new share repurchase program covering up to 482,500 shares of common stock, effective through September 1, 2027. This new authorization replaces the July 2025 progra...
Executive/Board ChangesRegulatory Filings and ComplianceShareholder Meetings
Citizens Community Bancorp Faces Board Seat Request
Neutral
Jul 31, 2026
On July 27, 2026, Citizens Community Bancorp, Inc. met with bank analysts and investors, including Andrew Schornack and other parties named in a recent Schedule 13D/A filing, during its customary post-earnings outreach. At this meeting, the group ...
DividendsFinancial Disclosures
Citizens Community Bancorp Maintains Dividend Amid Earnings Decline
Negative
Jul 27, 2026
Citizens Community Bancorp reported that second-quarter 2026 net income fell sharply to $1.1 million, or $0.11 per diluted share, from $3.8 million, or $0.39 per share, in the first quarter and $3.3 million, or $0.33 per share, a year earlier. For...
Executive/Board ChangesShareholder Meetings
Citizens Community Bancorp Stockholders Approve Governance and Incentives
Positive
Jun 17, 2026
On June 16, 2026, Citizens Community Bancorp, Inc. held its 2026 Annual Meeting of Stockholders, where shareholders elected Michael Conner, Francis Felber and Nicholas Amundsen to the board of directors, and ratified the appointment of Crowe LLP a...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.