NASDAQ · Banks - Regional

Citizens Community Bancorp, Inc. (CZWI) Stock

$21.42 -0.37% NASDAQ: CZWI Financial Services

Valuation

MetricValue
Price$21.42
Market Cap$206.71M
P/E Ratio16.26
P/B Ratio1.12
P/S Ratio2.35
EPS (TTM)$0.00
52-Week High$24.43
52-Week Low$14.61
Dividend Yield1.97%

Financials & Margins

MetricValue
ROE6.77%
ROA0.71%
ROCE0.60%
Gross Margin6.67%
Operating Margin6.67%
Net Margin14.64%
Debt/Equity0.28
Current Ratio0.13

Annual Financials (USD)

Metric20212022202320242025
Revenue$80.0M$80.0M$94.0M$99.0M$90.0M
Operating Profit$29.0M$24.0M$19.0M$17.0M$6.0M
Net Profit$21.0M$18.0M$13.0M$14.0M$14.0M
EPS$1.98$1.69$1.25$1.34$1.46
Op Margin36.2%29.4%20.1%17.6%7.0%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$1.7B$1.8B$1.9B$1.7B$1.8B
Total Liabilities$1.6B$1.6B$1.7B$1.6B$1.6B
Cash$49.0M$36.0M$37.0M$50.0M$119.0M
Borrowings$170.0M$215.0M$147.0M$67.0M$52.0M

Latest News

Citizens Community Bancorp (CZWI) is on the Move, Here's Why the Trend Could be Sustainable Zacks · Jul 2, 2026 Are You Looking for a High-Growth Dividend Stock? Zacks · Jun 10, 2026 Why Citizens Community Bancorp, Inc. (CZWI) is a Great Dividend Stock Right Now Zacks · May 25, 2026 Zacks Industry Outlook Highlights Deutsche WSFS Financial, Southern Missouri Bancorp and Citizens Community Bancorp Zacks · May 21, 2026 Zacks Industry Outlook Highlights WSFS Financial, Southern Missouri Bancorp and Citizens Community Bancorp Zacks · May 20, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$22.0M$29.0M$13.0M$20.0M$12.0M
Investing Cash Flow$-167.0M$-123.0M$-36.0M$113.0M$44.0M
Financing Cash Flow$84.0M$36.0M$94.0M$-37.0M$30.0M
Net Cash Flow$-72.0M$-12.0M$2.0M$13.0M$69.0M
Free Cash Flow$18.0M$26.0M$12.0M$19.0M$10.0M

Valuation & Return Ratios

MetricValue
PEG Ratio2.88
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y53.49%
Return 3Y144.37%
Return 5Y85.07%

Ownership

Insiders Held15.82%
Institutions Held61.29%
Institutions Float Held72.81%
Institutional HolderSharesReport Date
Wellington Management Group, LLP593,9962026-03-31
Blackrock Inc.507,9002026-03-31
Manufacturers Life Insurance Co.484,1882026-03-31
Vanguard Capital Management LLC461,2212026-03-31
Dimensional Fund Advisors LP346,7412026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BVFLBV Financial, Inc. $22.05 -2.30% 13.97 $186.78M 0.00%
CFBKCF Bankshares Inc. $34.48 -0.26% 12.04 $221.21M 1.05%
FNWDFinward Bancorp $43.56 +0.14% 18.51 $188.65M 1.13%
HNVRHanover Bancorp, Inc. $23.88 +0.72% 20.12 $168.48M 1.56%
INBKFirst Internet Bancorp $26.71 -0.30% -7.69 $233.27M 0.87%

About Citizens Community Bancorp, Inc.

Citizens Community Bancorp, Inc. is led by CEO Stephen Bianchi, employs 207 people, headquartered in US, publicly traded since 2004.

Citizens Community Bancorp, Inc. (CZWI) stock trades at $21.42 with a market capitalization of $206.71M. The stock is valued at a price-to-earnings (P/E) ratio of 16.26, price-to-book of 1.12, price-to-sales of 2.35. Over the past 52 weeks the stock has ranged between $14.61 and $24.43, and currently trades 12.3% below its 52-week high. It pays a dividend yielding 1.97%.

On profitability, Citizens Community Bancorp, Inc. generates a return on equity (ROE) of 6.77%, return on capital employed of 0.60%, an operating margin of 6.67%, a net profit margin of 14.64%.

Citizens Community Bancorp, Inc. by the numbers, 2016–2025

Between 2016 and 2025 Citizens Community Bancorp, Inc. reported revenue of $29.0M rising to $90.0M, a change of +210.3% across 10 years. Compounded, revenue has grown 1.6% a year over five years, 4.0% over three, -9.1% over the last twelve months. Net profit rose to $14.0M.

Operating margin went from 13.3% in 2016 to 7.0% in 2025, a fall of 6.3 percentage points. The most recent net margin is 14.64%. On a trailing twelve-month basis to Jun '26, revenue is $87.0M and net profit $13.0M.

Borrowings fell from $70.0M to $52.0M, cash from operations was $12.0M in the latest year, positive in 10 of the last 10.

Return on equity has averaged 9.2% over five years, and was 7.5% in the most recent year.

The share price itself has compounded at —% a year over five years, —% over three, —% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

Citizens Community Bancorp, Inc. (CZWI) — frequently asked questions

What is Citizens Community Bancorp, Inc. (CZWI) stock price today?

Citizens Community Bancorp, Inc. (CZWI) is currently trading at $21.42, down 0.37% today.

What is CZWI P/E ratio?

Citizens Community Bancorp, Inc.'s P/E ratio is 16.26. This is between 15x and 30x, around the typical market average of roughly 18-22x.

What is CZWI return on equity (ROE)?

Citizens Community Bancorp, Inc.'s return on equity (ROE) is 6.77%. ROE measures net income relative to shareholders' equity. This is below the typical market range of roughly 12-15%.

What is Citizens Community Bancorp, Inc.'s market cap?

Citizens Community Bancorp, Inc. has a market capitalization of $206.71M.

Does CZWI pay a dividend?

Yes. Citizens Community Bancorp, Inc. currently yields 1.97%. Yield moves with the share price, so it changes daily even when the payment does not.

How much debt does CZWI carry?

Citizens Community Bancorp, Inc. has a debt-to-equity ratio of 0.28. That compares total borrowings with shareholders' equity: a figure under 1 means equity exceeds debt.

What is CZWI's profit margin?

Citizens Community Bancorp, Inc. reports a net profit margin of 14.64% — the share of revenue left after every cost, including tax and interest.

What sector is CZWI in?

Citizens Community Bancorp, Inc. is classified under Financial Services, in the Banks - Regional industry. Ratios are most informative compared with other companies in the same industry rather than across the whole market.

Which exchange is CZWI listed on?

Citizens Community Bancorp, Inc. trades on NASDAQ under the ticker CZWI.

What is CZWI's 52-week range?

Over the last year Citizens Community Bancorp, Inc. has traded between $14.61 and $24.43.

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Screens CZWI currently matches

On the figures above, Citizens Community Bancorp, Inc. passes the filters for 1 of our ready-made screens, among them Micro Cap Stocks. Appearing on a screen means the numbers meet its filters today and nothing more; the list is rebuilt whenever the data changes.

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