Financials / Banks - RegionalUpdated 2026-05-10 22:07 UTC

CZWI stock hub

Citizens Community Bancorp, Inc. has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

206.4M

NASDAQ

Market data

Live price

Current market quote for this ticker.

Current price

CZWI

In the news

Latest news · CZWI

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Fetching the latest headlines.

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Fetching the latest headlines.

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E11

P25 8.8P50 10.4P75 13.1

Trailing P/E14

P25 10.9P50 14.7P75 36.2

ROE8.1

P25 4.9P50 10.4P75 15

ROICn/a

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All CZWI market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

217

Groups with data

Currency

USD

Showing 217 of 217 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0001367859
Company name	Citizens Community Bancorp, Inc.
Country	United States
Country code	US
Cusip	174903104
Employees	238
Employees Change	6%
Employees Change Percent	2.59
Enterprise value	$109.8M
Exchange	NASDAQ
Financial currency	USD
First seen	2026-05-09
Industry	Banks - Regional
Isin	US1749031043
Last refreshed	2026-05-10
Market cap	$206.4M
Market cap category	Micro-Cap
Price	$21.4
Price currency	USD
Rev Per Employee	257,558.82x
Sector	Financials
Sic	6035
Symbol	CZWI
Website	https://ccf.us

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	7.26%
EV Earnings	7.33x
EV Sales Forward	1.56x
EV/Sales	1.79x
Forward P/E	11.03x
P/B ratio	1.08x
P/E ratio	14.01x
P/S ratio	3.37x
PE Ratio10 Y	14.41x
PE Ratio3 Y	10.13x
PE Ratio5 Y	9.02x
PS Forward	2.94x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Gross Profit	$61.3M
Net Income	$15M
Net Income Growth	16.47%
Net Income Growth Q	17.45%
Net Income Growth Quarters	3%
Net Income Growth Years	2%
Net Income Growth3 Y	-3.6%
Net Income Growth5 Y	-0.84%
Pretax Margin	29.53%
Profit Margin	24.43%
Profit Per Employee	$62,933
Profitable Years	15
ROA	0.83
Roa5y	0.91
ROE	8.08
Roe5y	9.34

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	10.93%
Cagr15y	11.39%
Cagr1y	48.67%
Cagr20y	5.72%
Cagr3y	37.41%
Cagr5y	12.57%
Div CAGR10	2.76%
Div CAGR3	-13.1%
Div CAGR5	-4.18%
EPS Growth	20.46
EPS Growth Q	21.88
EPS Growth Quarters	3
EPS Growth Years	2
EPS Growth3 Y	-1.34
EPS Growth5 Y	1.62
Revenue Growth	5.62x
Revenue Growth Q	6.39x
Revenue Growth Quarters	3x
Revenue Growth Years	2x
Revenue Growth3 Y	-1.67x
Revenue Growth5 Y	-0.74x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	$1.8B
Cash	$149.2M
Debt	$52.6M
Equity	$190.9M
Liabilities	$1.6B
Net Cash	$96.6M
Net Cash By Market Cap	$46.82
Net Cash Growth	161.76%
Net Debt Equity	$-0.51
Tangible Book Value	$159.1M
Tangible Book Value Per Share	$16.52
WACC	5.78

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	$-1.4B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	3.32%
Dividend Growth	0%
Dividend Growth Years	6%
Dividend per share	$0.42
Dividend Years	14
Dividend Yield	1.96%
Ex Div Date	2026-05-08
Last Dividend	$0.11
Payout Frequency	Annual
Payout Ratio	13.75%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	182.05%
1Y total return	48.63%
200-day SMA	17.58
3Y total return	159.52%
50-day SMA	19.72
50-day SMA vs 200-day SMA	50over200
5Y total return	80.72%
All Time High	22.62
All Time High Change	-5.39%
All Time High Date	2026-04-20
All Time Low	3.01
All Time Low Change	610.96%
All Time Low Date	2009-11-27
ATR	0.57
Beta	0.55
Beta1y	0.24
Beta2y	0.4
Ch YTD	20.09
High	21.48
High52	22.62
High52 Date	2026-04-20
High52ch	-5.39%
Low	20.45
Low52	12.83
Low52 Date	2025-06-23
Low52ch	66.8%
Ma50ch	8.54%
Price vs 200-day SMA	21.7%
RSI	69.15
RSI Monthly	73.8
RSI Weekly	73.67
Sharpe ratio	1.7x
Sortino ratio	2.99
Total Return	5.28%
Tr YTD	21.36
Tr15y	404.38%
Tr1m	5.02%
Tr1w	3.15%
Tr3m	13.2%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Earnings EPS Estimate	$0.36
Earnings EPS Estimate Growth	12.5
Earnings Revenue Estimate	15,700,000x
Earnings Revenue Estimate Growth	10.66x
Operating Income	$20.1M
Operating margin	32.78

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	8,740,721%
Float Percent	90.63%
Shares Insiders	4.2%
Shares Institutions	65.93%
Shares Out	9,644,112
Shares Qo Q	-0.87%
Shares Yo Y	-3.32%
Short Float	1.17%
Short Ratio	2
Short Shares	1.06

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Average Volume	18,531x
Bv Per Share	19.82
CAPEX	$-1.8M
Ch10y	134.9
Ch15y	307.6
Ch1m	4.49
Ch1w	2.64
Ch1y	47.08
Ch20y	127.2
Ch3m	12.63
Ch3y	144.3
Ch5y	63.48
Ch6m	32.18
Change	2.03%
Change From Open	1.95
Close	20.98
Days Gap	0.05
Dollar Volume	368,926.5
Earnings Date	2026-04-27
Earnings Time	bmo
EPS	$1.53
F Score	3
Financing CF	24,999,000
Fiscal Year End	December
Founded	1,938
Goodwill	31,498,000
Graham Number	26.0984
Graham Upside	21.96
Income Tax	$3.1M
Investing CF	9,948,000
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-04-27
Last Report Date	2026-03-31
Last Split Date	2006-11-01
Last Split Type	Forward
Last10k Filing Date	2026-03-05
Lynch Fair Value	$7.64
Lynch Upside	-64.32
Ma150	18.15
Ma150ch	17.92%
Ma20	20.77
Ma20ch	3.06%
Net CF	49,003,000
Next Earnings Date	2026-07-27
Open	20.99
Optionable	No
P OCF Ratio	14.68
Payment Date	2026-05-22
Position In Range	92.23
Post Close	21.4
Postmarket Change Percent	0.23
Postmarket Price	$21.45
Ppne	16,453,000
Price Date	2026-05-08
Ptbv Ratio	1.3
Relative Volume	0.93x
Revenue	61,299,000x
SBC By Revenue	0.13x
Share Based Comp	82,000
Tax By Revenue	5.09x
Tax Rate	17.24%
Tr20y	204.13%
Tr6m	33.58%
Us State	Wisconsin
Volume	17,239.6

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

CZWI dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+2.0%

$0.42 annual per share

Payout ratio

+13.8%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

-4.2%

6 consecutive years of growth

Total shareholder yield

+5.3%

Next ex-dividend date: 2026-05-08

Performance

CZWI stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns CZWI?

Insider, institutional, and short-interest positioning.

Institutional ownership

+65.9%

Float: +90.6% of shares outstanding

Insider ownership

+4.2%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

CZWI momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

69.1

Neutral momentum band

Price vs 200-day MA

+21.7%

50/200-day relationship not available

Beta (5Y)

0.55

Less volatile than the market

Sharpe ratio

1.70

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

CZWI vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	घटाएँ
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	घटाएँ
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	घटाएँ

Questions

About CZWI

Hub-level FAQ points readers to the deeper analysis pages.

What is the current CZWI stock rating?

Citizens Community Bancorp, Inc. is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full CZWI analysis?

The full report lives at /stocks/CZWI/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for CZWI?

The latest report frames CZWI around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the CZWI page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.