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CITIZENS COMMUNITY BANCORP I

CZWINASDAQ
πŸ† #3492 by market capEarnings Jan 25US Equity
$23.90β–² $0.18 (+0.74%)
Market closed Β· at close
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24hβ–² 0.7%
7dβ–² 11.3%
14dβ–² 12.0%
30dβ–² 13.4%
ytdβ–² 34.3%
1yβ–² 53.1%
🏦Market Cap
$231M
Small Cap
πŸ“ˆRevenue Growth (YoY)
-9.4%
Declining
πŸ“ŠGross Margin
57.0%
Healthy
πŸ’΅FCF Margin
17.1%
Healthy
βš–οΈP/S Ratio
2.6x
Cheap
Otter Score
68
Fair

Trading Snapshot

Day Range
$23.85 – $23.90
52-Week Range
$15.50 – $24.43
Volume (shares)
788
Avg Volume (shares)
β€”
Shares Outstanding
9.7M
Next Earnings
2027-01-25

Fundamentals Snapshot

Annual Revenue
$90M
Last Q Revenue
$22M
P/E Ratio
15.8
P/S Ratio
2.6x
EPS (TTM)
$1.45
Dividend Yield
1.33%
Dilution (1yr)
βˆ’3.3%
CZWI logo

CITIZENS COMMUNITY BANCORP I

CZWI
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$90Mβ–Ό βˆ’9.4% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
54.7%β–Ό βˆ’8.6% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$6Mβ–Ό βˆ’63.8% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$10Mβ–Ό βˆ’46.2% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
9.7Mβ–Ό βˆ’3.3% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$67Mβ–² +$83M YoY
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About CITIZENS COMMUNITY BANCORP I

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 facilitates client deposits through diverse products, including checking accounts, savings and money market accounts, and certificates of deposit (CDs). Its lending portfolio is equally broad, encompassing commercial real estate loans, commercial and industrial financing, agricultural land and operational loans, consumer credit, mortgages for one-to-four family residences, and home equity lines of credit. Furthermore, Citizens Community Bancorp manages an investment portfolio featuring various securities such as mortgage-backed, corporate asset-backed, U.S. government agency-sponsored, corporate debt, and trust preferred instruments. Its operations span Wisconsin and Minnesota, supported by a network of 25 full-service branches. Established in 1938, the bank holding company is headquartered in Eau Claire, Wisconsin.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
68/100

Analyst Ratings

β“˜
Consensus
Buy
8 analysts
Strong Buy2
Buy4
Hold2
Sell0
Strong Sell0
Ratings as of Oct 2026

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