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Citizens Community Bancorp Inc

CZWI

NASDAQ

Banking

$21.83

USD

-0.17 (-0.77%)

At close: Jul 30, 2026, 4:00 PM EDT

Market Cap $211.78M

Volume 51.6K

Price (USD)
Price (USD)

About Citizens Community Bancorp Inc

Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal Bank. The company is headquartered in Eau Claire, Wisconsin and currently employs 217 full-time employees. The company went IPO on 2004-03-30. (the Bank). The Bank is a federally chartered national bank serving customers in Wisconsin and Minnesota. Its primary markets include the Chippewa Valley Region in Wisconsin, the Twin Cities and Mankato markets in Minnesota, and various rural communities around these areas. The Bank offers traditional community banking services to businesses, agricultural operators and consumers, including one-to-four family residential mortgages. The Bank offers a variety of loan products including commercial real estate loans, commercial and industrial (C&I) loans, agricultural real estate loans, agricultural operating loans, residential mortgages, home equity lines-of-credit and consumer loans. The company maintains a portfolio of investments, consisting primarily of mortgage-backed securities, asset-backed securities, the United States Government sponsored agency securities and corporate debt securities.

CEO

Mr. Stephen Bianchi

HQ

Eau Claire, WISCONSIN, US

Founded

2004

Employees

217

Quantli Score

8.4

Outperform

Fin. Health

8.1

Profitability

7.6

Growth

9.0

Cash-Flow Q.

8.8

Key Metrics

7 metrics our research team weighs before forming a view on CZWI.

Based on Quantli research · SEC filings · as of Q1 2026

METRIC

VALUE

CHANGE

TREND (3Y)

Revenue Growth (TTM)

2.3%

+3.3 pp

Gross Margin (TTM)

64.4%

+7.4 pp

Operating Margin (TTM)

18.2%

+1.5 pp

Net Margin (TTM)

15.0%

+1.8 pp

ROE (TTM)

7.8%

+0.7 pp

EPS Growth (TTM)

21.4%

+24.5 pp

Free Cash Flow (TTM)

$12.28M

+1.5%

Financial Snapshot

Full Financials

Revenue

$99.69M

+2.3%

YoY

Gross Margin

64%

TTM

+13.0%

YoY

Net Income

$14.98M

+16.5%

YoY

Operating Cash Flow

$14.06M

+9.3%

YoY

Key Statistics

Open

$22.00

Previous Close

$22.00

Day Range

$21.61 - $22.36

52 Week Range

$14.40 - $24.43

Volume

51.6K

Average Volume (10 Days)

50.0K

Market Cap

$211.78M

P/E Ratio (TTM)

14.14

P/S Ratio (TTM)

2.12

Dividend Yield

0.48%

Valuation Measurement

Market Cap

$211.78M

Trailing P/E

14.14

Price / Sales

2.12

Price / Book

1.11

Financial Highlights

Profit Margin

15.0%

Return on Assets

0.8%

Return on Equity

7.8%

Revenue (TTM)

$99.69M

Net Income (TTM)

$14.98M

Diluted EPS (TTM)

$1.53

Total Cash (MRQ)

$149.20M

Levered FCF (TTM)

$12.28M

Turn research into action

Knowing a stock is strong is the start. Knowing how to invest in it when you spot good research is good returns.

Trend Following

Enter on trend. Cut losses fast.

Best for:

Active traders

Position Strategy

Ride market cycles. Patient hold.

Best for:

Patient investors

Swing Strategy

Buy support, sell on recovery.

Best for:

Risk-tolerant

Go deeper on CZWI

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