CZWI logo

CITIZENS COMMUNITY BANCORP I

CZWINASDAQ
πŸ† #3492 by market capEarnings Jan 25US Equity
$23.76β–² $0.03 (+0.13%)
Market closed Β· at close
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24hβ–² 0.1%
7dβ–² 10.6%
14dβ–² 11.4%
30dβ–² 12.8%
ytdβ–² 33.5%
1yβ–² 52.2%
🏦Market Cap
$229M
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
$23.30 – $23.95
52-Week Range
$15.50 – $24.43
Volume (shares)
36,059
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
StockOtter Β· stockotter.space

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

Latest News & Updates

Zacks Investment ResearchΒ·2d ago

Here's What Key Metrics Tell Us About Citizens Community Bancorp (CZWI) Q3 Earnings

Although the revenue and EPS for Citizens Community Bancorp (CZWI) give a sense of how its business performed in the quarter ended September 2026, it might be worth considering how some key metrics compare with Wall Stre

Zacks Investment ResearchΒ·2d ago

Citizens Community Bancorp, Inc. (CZWI) Q3 Earnings and Revenues Top Estimates

Citizens Community Bancorp, Inc. (CZWI) came out with quarterly earnings of $0.56 per share, beating the Zacks Consensus Estimate of $0.44 per share. This compares to earnings of $0.37 per share a year ago.

GlobeNewsWireΒ·2d ago

Citizens Community Bancorp, Inc. Reports Third Quarter 2026 Earnings of $0.56 Per Share; Board Approves 14% Increase in Quarterly Dividend to $0.12 per Share

EAU CLAIRE, Wis., Oct. 26, 2026 (GLOBE NEWSWIRE) -- Citizens Community Bancorp, Inc. (the β€œCompany”) (Nasdaq: CZWI),Β the parent company of CCFBank N.A. (the β€œBank” or β€œCCFBank”), today reported earnings of $5.4 million a

Defense WorldΒ·28d ago

Citizens Community Bancorp (NASDAQ:CZWI) versus First United (NASDAQ:FUNC) Critical Analysis

First United (NASDAQ: FUNC - Get Free Report) and Citizens Community Bancorp (NASDAQ: CZWI - Get Free Report) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies

Defense WorldΒ·29d ago

Citizens Community Bancorp (NASDAQ:CZWI) Share Price Crosses Below Two Hundred Day Moving Average – Time to Sell?

Shares of Citizens Community Bancorp, Inc. (NASDAQ: CZWI - Get Free Report) crossed below its 200-day moving average during trading on Tuesday. The stock has a 200-day moving average of $21.19 and traded as low as $20.96

Defense WorldΒ·Sep 12

Bank of New York Mellon Corp Takes Position in Citizens Community Bancorp, Inc. $CZWI

Bank of New York Mellon Corp acquired a new stake in Citizens Community Bancorp, Inc. (NASDAQ: CZWI) during the undefined quarter, according to the company in its most recent filing with the SEC. The institutional invest