CITIZENS COMMUNITY BANCORP I

CZWINASDAQ

🏆 #3036 by market capEarnings Oct 26US Equity

$527.74▼ $23.12 (−4.38%)

Simulated price

1h—

24h▼ 4.4%

7d—

14d—

30d—

1y—

🏦Market Cap

$198M

Small Cap

📈Revenue Growth (YoY)

+22.1%

Healthy

📊Gross Margin

—

💵FCF Margin

11.9%

Healthy

⚖️P/S Ratio

1.8x

Cheap

Otter Score

Weak

No chart data available for CZWI.

Trading Snapshot

Day Range: $525.85 – $530.35
52-Week Range: $14.61 – $24.43
Volume: $1.90B
Avg Volume: $2.24B
Shares Outstanding: 9.7M
Next Earnings: Oct 10, 2026

Fundamentals Snapshot

Annual Revenue: $90M
Last Q Revenue: $22M
P/E Ratio: 13.2
P/S Ratio: 1.8x
EPS (TTM): $1.53
Dividend Yield: 0.51%

Why Investors Own CZWI

✓High-growth profile — revenue up +2.3% YoY with expanding US Equity exposure.
✓Healthy economics — 75% gross margin and 24% free-cash-flow margin.
✓New products and segments could unlock additional revenue streams.

⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)

$90M▼ −0.8% YoY

Gross Margin (TTM)

74.9%▲ +2.6% YoY

Operating Income (TTM)

$17M▼ −0.8% YoY

Free Cash Flow (TTM)

$22M▼ −0.8% YoY

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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