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Citizens Community Bancorp (CZWI) AI Stock Analysis
Citizens Community Bancorp
(NASDAQ:CZWI)
The score is primarily driven by solid financial stability from the balance sheet and positive corporate events like earnings growth and capital returns. Technical momentum adds support, while valuation appears fair.
Citizens Community Bancorp (CZWI) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $226.10M
- Dividend Yield
- 1.34%
- Average Volume (3M)
- 43.66K
- Price to Earnings (P/E)
- 15.6
- Beta (1Y)
- 0.24
- Revenue Growth
- 1.78%
- EPS Growth
- -18.19%
- Country
- US
- Employees
- 217
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 facil...
How the Company Makes Money
Citizens Community Bancorp primarily makes money through its banking subsidiary by (1) earning net interest income and (2) generating noninterest income, while managing operating costs and credit losses. 1) Net interest income (core earnings driver):...
Citizens Community Bancorp Financial Statement Overview
Summary
Average financial health with a strengthening balance sheet and reduced leverage offsetting declining revenue trends and volatile cash flows.
Income Statement
55NeutralBalance Sheet
75PositiveCash Flow
65Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 88.33M | 90.07M | 99.43M | 94.44M | 80.22M | 80.06M |
| Gross Profit | 50.38M | 49.25M | 59.46M | 59.01M | 65.72M | 69.69M |
| EBITDA | 14.74M | 9.55M | 20.87M | 22.67M | 27.61M | 33.00M |
| Net Income | 14.53M | 14.42M | 13.75M | 13.06M | 17.76M | 21.27M |
Balance Sheet | ||||||
| Total Assets | 1.80B | 1.78B | 1.75B | 1.85B | 1.82B | 1.74B |
| Cash, Cash Equivalents and Short-Term Investments | 308.66M | 187.64M | 123.05M | 110.62M | 35.61M | 49.34M |
| Total Debt | 51.92M | 51.80M | 66.61M | 147.00M | 214.94M | 169.95M |
| Total Liabilities | 1.60B | 1.59B | 1.57B | 1.68B | 1.65B | 1.57B |
| Stockholders Equity | 190.74M | 187.94M | 179.08M | 173.33M | 167.09M | 170.87M |
Cash Flow | ||||||
| Free Cash Flow | 15.15M | 10.38M | 19.29M | 11.76M | 25.69M | 17.82M |
| Operating Cash Flow | 15.74M | 11.69M | 20.18M | 13.12M | 29.29M | 21.60M |
| Investing Cash Flow | -49.45M | 45.71M | 113.74M | -34.20M | -119.19M | -163.20M |
| Financing Cash Flow | 73.04M | 11.28M | -120.88M | 22.86M | 77.57M | 69.85M |
Citizens Community Bancorp Technical Analysis
Price Trends
Market Momentum
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 23.97 is above the 20-day moving average (MA) of 21.80, above the 50-day MA of 21.55, and above the 200-day MA of 20.57, indicating a bullish trend. The MACD of 0.54 indicates Negative momentum. The RSI at 71.55 is Negative, neither overbought nor oversold. The STOCH value of 83.26 is Negative, 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.
Latest Risks Added
1 New RiskCitizens Community Bancorp Peers Comparison
Overall Rating
FCAP81Outperform
LARK70Outperform
CFBK68Neutral- CZWI68Neutral
MNSB67Neutral
BVFL66Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| FCAP | 81Outperform | $209.36M | 10.94 | 13.77% | 2.00% | 10.53% | 29.70% |
| LARK | 70Outperform | $195.64M | 9.43 | 12.73% | 2.59% | 1.42% | 18.96% |
| CFBK | 68Neutral | $221.71M | 9.81 | 11.74% | 1.05% | -0.92% | 39.31% |
| CZWI | 68Neutral | $224.44M | 15.62 | 7.64% | 1.34% | 1.78% | -18.19% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| MNSB | 67Neutral | $151.57M | 10.98 | 7.61% | 1.88% | -5.53% | ― |
| BVFL | 66Neutral | $183.77M | 14.22 | 6.96% | ― | 1.48% | 43.50% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| CZWI | Citizens Community | 23.60 | 7.71 | 48.49% | |
| CFBK | Cf Bankshares Inc | 35.00 | 11.92 | 51.62% | |
| FCAP | First Capital | 64.15 | 22.36 | 53.50% | |
| LARK | Landmark | 32.35 | 8.72 | 36.93% | |
| MNSB | Mainstreet Bancshares | 22.05 | 3.73 | 20.37% | |
| BVFL | BV Financial, Inc. | 22.07 | 5.62 | 34.16% |
Citizens Community Bancorp Corporate Events
Citizens Community Bancorp Board Affirms Governance Stability
PositiveOn October 22, 2026, Citizens Community Bancorp, Inc.’s Board of Directors, following the recommendation of its Governance and Nomination Committee, decided not to create a vacancy on the board, keeping its size at eight directors. The board em...
Citizens Community Bancorp Reports Strong Third-Quarter Results
PositiveCitizens Community Bancorp, Inc., the Nasdaq-listed parent of Citizens Community Federal Bank N.A., operates as a regional community bank with a focus on commercial real estate, multifamily, commercial and industrial, agricultural, and residential le...
Citizens Community Bancorp Announces New Share Repurchase Program
PositiveOn 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 program,...
Citizens Community Bancorp Faces Board Seat Request
NeutralOn 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 req...
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.
Date of analysis: Oct 28, 2026