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Citizens Community Bancorp, Inc. (CZWI) — Analysis Summary

Citizens Community Bancorp, Inc. (CZWI) has a market cap of $203.43M with year-over-year revenue growth of +10.1%. Net margin stands at 28.2%. The stock trades at a P/E ratio of 15.9.

Key Takeaways

  • Revenue changed +10.1% year-over-year
  • Net margin of 28.2%
  • P/E ratio of 15.9

Compared to other companies in the SAVINGS INSTITUTION, FEDERALLY CHARTERED sector, CZWI posted revenue growth of +10.1% and trades at a P/E of 15.9.

[XNAS]

Citizens Community Bancorp, Inc. (CZWI)

$21.08

PREVIOUS CLOSE 2026-10-12 · MARKET DATA POLYGON · FINANCIALS SEC EDGAR

Market Cap
$203.43M
Enterprise Value
$133.55M
P/E Ratio
15.9
Div Yield
1.99%
EV/EBITDA
7.7
Company Profile
About
About Citizens Community Bancorp, Inc.

Citizens Community Bancorp Inc is a bank holding company that offers traditional community banking services to businesses, Agricultural operators, and consumers, including one-to-four-family residential mortgages. it also 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 and offers deposit products through its branches, including demand deposits, various savings and money-market accounts and certificates of deposit. The company's sources of funds are deposits; amortization, prepayments, and maturities of outstanding loans; other short - term investments; and funds provided from operations.

Sector

SAVINGS INSTITUTION, FEDERALLY CHARTERED

Employees

238

Headquarters

EAU CLAIRE, WI

Exchange

XNAS

Website
Source: Polygon.io
Score
Competitive Moat
Competitive Moat
36
No Moat

Systematic competitive advantage assessment based on 4yr data

This assessment is based on quantitative analysis of historical financial data and does not constitute investment advice. Moat ratings may change with industry and competitive dynamics.

Market Signals
Valuation
Earnings
Insider Activity
Insider Filing Activity

First version surfaces recent SEC Forms 3, 4, and 5 activity. It does not yet parse individual buy/sell transactions.

Loading SEC insider filing activity...
Superinvestors
Financial Health
Financial Health

Capital Structure

Total Equity$191.35M
Total Debt$51.88M
Debt-to-Equity0.27
Cash & Equivalents$121.76M

Cash Flow

Operating Cash Flow$22.38M
Free Cash Flow$19.35M
FCF Margin36.65%
P/FCF Ratio10.52
Source: Polygon.io · SEC EDGAR
Dividends
Dividends

Annual Dividend/Share

$0.42

Dividend Yield

1.99%

Quarterly
Last Ex-Date: 2026-08-07

Dividend History

2026-08-07
CD$0.1050
2026-05-08
CD$0.1050
2026-02-06
CD$0.1050
2025-02-07
CD$0.3600
Source: Polygon.io
Recent News
Recent News

Disclaimer: This is not financial advice. Data sourced from SEC EDGAR and Polygon.io. Past performance does not guarantee future results. Always conduct your own research before making investment decisions.