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
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
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
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