Citizens Community Bancorp, Inc. (CZWI) AI Stock Analysis

Citizens Community Bancorp, Inc. serves as the bank holding company for Citizens Community Federal N.A., providing traditional community banking services to businesses, agricultural operators, and consumers. Established in 1938 and based in Eau Claire, Wisconsin, it operates 25 full-service branches across Wisconsin and Minnesota. The bank provides deposit products including demand deposits, savings accounts, money market accounts, and certificates of deposit. Its lending portfolio includes commercial real estate loans, commercial and industrial loans, agricultural real estate and operating loans, consumer loans, and one-to-four family residential mortgages. It also manages an investment portfolio containing mortgage-backed securities, corporate asset-backed securities, agency securities, and corporate debt securities.

Revenue rose from $80.1M in FY2021 to a peak of $99.4M in FY2024 before decreasing 9.4% to $90.1M in FY2025. Between FY2020 and FY2025, revenue grew at a 5-year CAGR of 1.7%. Operating margin contracted from 36.2% in FY2021 to 7.0% in FY2025, while gross margin declined from 87.0% to 54.7%. Despite margin compression, net income rose from $13.8M in FY2024 to $14.4M in FY2025, yielding an EPS of $1.46. For the trailing twelve months, revenue reached $58.3M with an operating margin of 14.5%. In the latest quarter ending June 30, 2026, quarterly revenue fell 20.3% year-over-year, and quarterly earnings declined 66.4%.

As of June 30, 2026, Citizens Community Bancorp held $121.8M in cash and short-term investments against total debt of $51.9M, resulting in net cash of $69.9M. Total assets stood at $1.81B and shareholders' equity reached $191.3M, supported by a debt-to-equity ratio of 0.27 and a current ratio of 0.08. In FY2025, operating cash flow was $11.7M and free cash flow was $10.4M. Capital expenditures totaled $1.3M, while capital returns included $6.2M in share buybacks and $3.6M in dividends paid.

CZWI trades at a trailing P/E of 16.2x, above the median of its US-listed Financial Services peers of 12.1x. Its forward P/E of 10.7x aligns closely with the peer median of 10.8x. The stock trades at a price-to-sales ratio of 3.5x and an EV-to-revenue ratio of 4.0x, compared to the peer median price-to-sales of 3.2x. Over the past year, CZWI returned 42.6%, outperforming the S&P 500 return of 16.8%. Over a 5-year period, the stock gained 70.4%, trailing the S&P 500 return of 83.0%.

The company pays a forward annual dividend of $0.32 per share, offering a dividend yield of 1.48% with a payout ratio of 24.1%. Distributed on a quarterly schedule, the dividend has been paid for 14 consecutive years. Over the past five years, the dividend has grown at an annualized rate of 11.4%. The most recent ex-dividend date was August 7, 2026.

Wall Street coverage consists of 2 Hold ratings, with 0 Buy and 0 Sell ratings. The mean price target is $22.25, representing upside of 4.9% from the last close of $21.22. For the fiscal year ending December 31, 2026, analysts estimate EPS of $1.43, a decline of 2.1%, on revenue of $66.5M. For the next fiscal year, 2 analysts expect EPS to grow 51.7% to $2.17 on revenue of $73.8M. The bank has beaten EPS estimates in 2 of the last 4 quarters, with its next earnings date scheduled for October 26, 2026.

This page is an AI-written research summary of Citizens Community Bancorp, Inc. (CZWI). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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