COMPANY SUMMARY
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.
Financial Summary
| Share Statistics |
CZWI |
Industry Median |
Percentile (All Stocks) |
| Market Cap (Mil) |
$227.8 |
$701.9 |
30% |
|
| Shares Out (Mil) |
9.6 |
15.4 |
21% |
|
| Institutional Ownership |
81.9% |
84.0% |
50% |
|
| Float (Mil) |
7.8 |
21.8 |
16% |
|
| Beta |
0.51 |
0.46 |
29% |
|
| Avg Daily Volume (000s) |
50 |
53 |
29% |
|
Price Change (52-week) |
47.3% |
92.0% |
86% |
|
| Growth |
CZWI |
Industry Median |
Percentile (All Stocks) |
| Sales (5yr) |
(0.2%) |
7.6% |
17% |
|
| Net Income (5yr) |
2.5% |
11.1% |
43% |
|
| EPS (5yr) |
5.0% |
10.0% |
39 |
|
| Dividends (5yr) |
11.4% |
3.7% |
61% |
|
| Cash Flow (5yr) |
4.0% |
(17.1%) |
67% |
|
| Estimates |
Qtrly |
Current Fiscal Year |
Next Fiscal Year |
| # of Estimates |
2 |
2 |
2 |
| Current EPS |
$0.520 |
$1.570 |
$2.275 |
| Month Ago EPS |
$0.490 |
$1.430 |
$2.170 |
| # Rev Up |
1 |
1 |
1 |
| # Rev Down |
0 |
0 |
0 |
| Three Months Ago EPS |
$0.490 |
$1.420 |
$2.195 |
| Year/Year Chg |
372.7% |
7.8% |
68.8% |
| Financials |
CZWI |
Industry Median |
Percentile (All Stocks) |
| Sales (TTM) (Mil) |
$58 |
$188 |
21% |
|
| Net Income (TTM) (Mil) |
$13 |
$55 |
46% |
|
| EPS (TTM) |
$1.318 |
$2.600 |
64% |
|
| Operating Cash Flow (TTM) (Mil) |
$22 |
$33 |
42% |
|
| Net Cash Flow (TTM) (Mil) |
$54 |
$2 |
71% |
|
| Long-Term Debt (Q1) (Mil) |
$52 |
$99 |
39% |
|
| Enterprise Value (Q1) (Mil) |
na |
$0 |
na |
|
| Valuation |
CZWI |
Industry Median |
Percentile (All Stocks) |
| P/B |
1.20 |
1.26 |
34% |
|
| P/E |
18.1 |
12.2 |
48% |
|
| Dividend Yield |
2.0% |
2.3% |
76% |
|
| PEG (5yr hist) |
3.6 |
1.1 |
84% |
|
| Ratios |
CZWI |
Industry Median |
Percentile (All Stocks) |
| Gross Margin |
na |
63.7% |
na |
|
| Net Margin |
24.2% |
29.4% |
82% |
|
| ROA |
0.7% |
1.1% |
43% |
|
| ROE |
6.8% |
11.4% |
47% |
|
| Liabilities to Assets |
89.5% |
89.7% |
85% |
|
| F-Score |
5 |
4 |
50% |
|
Passing Stock Screens
As of 11/5/2026, from a list of 60 stock screening strategies,
CZWI meetings the criteria of 1 screen:
Stock Screen
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.