Citizens Community Bancorp, Inc.

Citizens Community Bancorp, Inc.

CZWI
Citizens Community Bancorp, Inc.US flagNASDAQ Global Market
20.51
USD
-0.86
- -
197.80MMarket Cap
Citizens Community Bancorp, Inc.
CZWI
(NASDAQ Global Market)

Recent

price

20.51

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
4.59
4.32
4.26
4.55
4.3
4.55
5.02
3.4
- -
5.06
6.13
6.49
6.39
5.6
5.49
6.31
6.55
Revenue per Share
0.04
0.04
0.2
0.35
0.54
0.49
0.47
0.39
- -
0.85
1.14
1.98
1.69
1.25
1.34
1.46
1.53
Basic EPS, GAAP
1.84
1.68
1.29
1.54
1.11
1.08
0.36
0.99
- -
1.15
2.13
2.01
2.79
1.26
1.99
1.18
1.43
Free Cash Flow per Basic Share
- -
- -
0.02
0.04
0.08
0.12
0.16
0.11
- -
0.2
0.21
0.23
0.26
0.29
0.33
0.36
0.1
Dividend per Share
0.27
0.31
0.48
0.81
1.38
1.74
2.04
1.29
- -
2.03
2.95
4.73
6.23
6.82
7.89
9.12
9.47
Book Value per Share
10.24
10.68
10.31
11.21
11.73
11.18
10.48
10.88
- -
9.63
10.78
12.23
12.26
13.04
13.93
15.45
15.88
Tangible Book Value per Share
5
5
5
5
5
5
5
11
- -
11
11
11
11
10
10
10
10
Basic Weighted Avg Shares
23
22
22
23
22
24
27
37
- -
56
68
70
67
59
56
62
64
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
1
1
1
1
1
1
2
- -
4
7
4
4
4
3
3
3
Depreciation Expense
- -
- -
1
2
3
3
2
4
- -
9
13
21
18
13
14
14
15
Net Income, GAAP
41.52
43.87
37.75
37
36.52
33.32
34.62
35.19
- -
22.92
26.36
26.57
24.68
31.02
21.2
17.32
17.24
Effective Tax Rate (%)
0.82
0.93
4.69
7.69
12.48
10.72
9.36
11.53
- -
16.8
18.6
30.52
26.43
22.31
24.43
23.15
23.32
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
30
49
50
59
59
11
30
25
25
44
58
58
72
67
62
52
52
LT Debt
53
55
54
57
61
65
73
136
138
151
161
171
167
173
179
188
191
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
15.11
13.95
51.02
53.83
49.59
31.43
25.01
34.35
- -
49.8
45.81
50.81
30.55
19.1
18.07
16.86
17.28
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
47
52
52
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
10
10
10
Market Capitalization
160
176
194

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
154
188
218
Accounts Receivable, Net
6
6
6
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
13.22%
3.24%
4.94%
Free Cash Flow
- -
-3.2%
-42.68%
Net Income, GAAP
- -
6.87%
4.87%
Sales/Revenue/Turnover
- -
-1.55%
10.67%
Total Cash Common Dividend
- -
8.71%
7.53%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
15
14
14
13
56
2025
14
16
16
16
62
2026
16
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.39
0.35
0.32
0.27
1.34
2025
0.32
0.33
0.37
0.44
1.46
2026
0.39
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.32
- -
- -
- -
0.33
2025
0.36
- -
- -
- -
0.36
2026
0.11
- -
- -
- -
- -
Business
Citizens Community Bancorp, Inc. (NASDAQ:CZWI) operates as the holding company for Citizens Community Federal N.A., a national bank that provides traditional community banking services to businesses, agricultural operators and consumers through 21 branches primarily in Wisconsin and Minnesota; core offerings include deposit products such as demand deposits, savings and money market accounts, and certificates of deposit; diversified loan portfolio encompassing commercial real estate, commercial and industrial, agricultural real estate and operating loans, consumer loans, one-to-four family residential mortgages, and home equity lines of credit; and an investment portfolio of mortgage-backed, asset-backed, U.S. government agency, and corporate debt securities. The company, founded in 1938 and headquartered in Altoona, Wisconsin, targets the Chippewa Valley region in Wisconsin, Mankato and Twin Cities areas in Minnesota, and surrounding rural communities, with a strategy focused on organic growth and acquisitions of smaller community banks in these markets. In July 2025, its board of directors authorizes a new 5% common stock buyback program allowing for up to 499,000 shares to be repurchased in open market or private transactions, marking a significant capital management initiative amid total assets of $1.735 billion as of June 30, 2025.

Company News

APIChat
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  • Citizens Community Bancorp, Inc. Reports First Quarter 2026 Earnings of $0.39 Per Share; Board Approves Quarterly Dividend at $0.105 per Share

  • Citizens Community Bancorp, Inc. (CZWI) is a Top Dividend Stock Right Now: Should You Buy?

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  • Why Citizens Community Bancorp, Inc. (CZWI) is a Great Dividend Stock Right Now

  • Citizens Community Bancorp, Inc. (CZWI) Beats Q4 Earnings and Revenue Estimates

  • Citizens Community Bancorp, Inc. Reports Fourth Quarter 2025 Earnings of $0.44 Per Share; Board Approves Moving to Quarterly Dividend at $0.105 per share

  • Recent Price Trend in Citizens Community Bancorp (CZWI) is Your Friend, Here's Why

  • Citizens Community Bancorp (CZWI) is on the Move, Here's Why the Trend Could be Sustainable

  • 3 Savings & Loan Industry Stocks to Buy on Solid Industry Prospects

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  • Citizens Community Bancorp, Inc. (CZWI) Matches Q3 Earnings Estimates

  • Citizens Community Bancorp, Inc. Reports Third Quarter 2025 Earnings of $0.37 Per Share; Redeems $15 Million of Subordinated Debt