CZWI
NASDAQ
US
Citizens Community Bancorp, Inc. - Common Stock
$20.11
▼ $-0.05
(-0.25%)
Vol 24K
10
Quality Score
ok
Deep Check
1/5
fail
Rev ✗
NI ✓
>IPO ✗
Mkt Cap
$172.1M
P/E
13.4
ROE
7.0%
Margin
22.8%
D/E
25.03
Beta
0.69
Div Yield
2.02%
52W
$13–$19
Wall Street Consensus
8 analysts · Apr 20262
Strong Buy
5
Buy
1
Hold
0
Sell
0
Strong Sell
87.5%
Buy Rating
Price Chart
Similar Stocks
Earnings
Beat rate: 75.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $0.40 | $0.44 | +$0.04 |
| Sep 2025 | $0.38 | $0.37 | $-0.01 |
| Jun 2025 | $0.30 | $0.33 | +$0.03 |
| Mar 2025 | $0.27 | $0.32 | +$0.05 |
Quarterly Revenue & Earnings
| Quarter | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|
| Revenue | $13.5M | $14.2M | $16.1M | $16.2M | $15.7M |
| Net Income | $2.7M | $3.2M | $3.3M | $3.7M | $4.3M |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 6.9% | 6.9% | 6.9% | 6.9% | 7.0% | 7.0% |
| P/E (TTM) | 11.07 | 12.64 | 12.67 | 12.40 | 13.05 | 13.40 |
| Net Margin | — | 22.8% | 22.8% | 22.8% | 22.8% | 22.8% |
| Gross Margin | — | — | — | — | — | — |
| D/E Ratio | 33.64 | 33.64 | 33.88 | 33.88 | 25.03 | 25.03 |
| Current Ratio | — | — | — | — | — | — |
Key Ratios
ROA (TTM)
0.7%
P/S (TTM)
1.82
P/B
0.9
EPS (TTM)
$1.29
CF/Share
$1.66
Rev Growth 3Y
+4.7%
52W High
$18.74
52W Low
$12.69
$12.69
52-Week Range
$18.74
Financial Health
Free Cash Flow
$3.3M
Net Debt
-$67.0M
Cash
$118.9M
Total Debt
$51.8M
As of Dec 31, 2025
How does CZWI compare to Banking peers?
Peer group: Micro-cap Banking (All) · 289 companies
CZWI valuation vs Banking peers
P/E ratio
13.4
▲
7%
above
peers
(12.6)
vs Peers
vs Industry
Fair value
P/S ratio
1.8
▼
22%
below
peers
(2.3)
vs Peers
vs Industry
Undervalued
P/B ratio
0.9
▼
13%
below
peers
(1.1)
vs Peers
vs Industry
Fair value
Div yield
2.0%
▼
32%
below
peers
(3.0%)
vs Peers
vs Industry
Low yield
CZWI profitability vs Banking peers
ROE
7.1%
▼
22%
below
peers
(9.0%)
vs Peers
vs Industry
Weak
Net margin
22.8%
▼
20%
below
peers
(28.6%)
vs Peers
vs Industry
Weak
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
0.7%
▼
22%
below
peers
(1.0%)
vs Peers
vs Industry
Weak
CZWI financial health vs Banking peers
D/E ratio
25.0
▲
81%
above
peers
(13.8)
vs Peers
vs Industry
High debt
Current ratio
—
▼
0%
below
peers
(0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.7
▼
1%
below
peers
(0.7)
vs Peers
vs Industry
Less volatile
CZWI fundamentals radar
CZWI
Peer median
Industry
CZWI profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
CZWI vs peers: key metrics
Insider Activity
NeutralBuys
0
Sells
0
JOHNSON REBECCA M
Officer · Jan 23
2000 shs
BROUCEK JAMES S
Chief Financial Officer · Jan 22
1733 shs
BIANCHI STEPHEN M
Chief Executive Officer · Jan 22
3325 shs
Last 90 days
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5.64%
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5.09%
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Blackrock Inc.
4.87%
$9.0M
As of Dec 31, 2025
Dividends
$1.08
/ year
Feb 06, 2026
$0.1050
Feb 07, 2025
$0.3600
Feb 08, 2024
$0.3200
Feb 02, 2023
$0.2900
Feb 11, 2022
$0.2600
Feb 10, 2021
$0.2300
Feb 04, 2020
$0.2100
Feb 07, 2019
$0.2000
Latest News
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