CZWI Stock Overview
Operates as a bank holding company for Citizens Community Federal N.A. More details
| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 1/6 |
| Past Performance | 5/6 |
| Financial Health | 6/6 |
| Dividends | 5/6 |
Rewards
Risk Analysis
No risks detected for CZWI from our risk checks.
Community vs My Fair Value
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Citizens Community Bancorp, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$13.59 |
| 52 Week High | US$17.04 |
| 52 Week Low | US$10.14 |
| Beta | 0.82 |
| 1 Month Change | -6.37% |
| 3 Month Change | -15.38% |
| 1 Year Change | 27.25% |
| 3 Year Change | -4.16% |
| 5 Year Change | 119.55% |
| Change since IPO | 109.91% |
Recent News & Updates
Shareholders May Be Wary Of Increasing Citizens Community Bancorp, Inc.'s (NASDAQ:CZWI) CEO Compensation Package
Jun 13
Citizens Community: An Undervalued Dividend Growth Stock
May 16Citizens Community Bancorp, Inc. Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Predictions
May 02Recent updates
Shareholders May Be Wary Of Increasing Citizens Community Bancorp, Inc.'s (NASDAQ:CZWI) CEO Compensation Package
Jun 13Citizens Community: An Undervalued Dividend Growth Stock
May 16Citizens Community Bancorp, Inc. Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Predictions
May 02Citizens Community Bancorp (NASDAQ:CZWI) Will Pay A Larger Dividend Than Last Year At $0.32
Feb 01Citizens Community Bancorp (NASDAQ:CZWI) Is Increasing Its Dividend To $0.29
Jan 27Citizens Community Bancorp GAAP EPS of $0.41, revenue of $16.17M
Jul 25Citizens Community Bancorp (NASDAQ:CZWI) Is Increasing Its Dividend To US$0.26
Feb 03Does Citizens Community Bancorp (NASDAQ:CZWI) Deserve A Spot On Your Watchlist?
Mar 31If You Had Bought Citizens Community Bancorp (NASDAQ:CZWI) Stock Five Years Ago, You Could Pocket A 25% Gain Today
Mar 05Why You Might Be Interested In Citizens Community Bancorp, Inc. (NASDAQ:CZWI) For Its Upcoming Dividend
Feb 05Results: Citizens Community Bancorp, Inc. Exceeded Expectations And The Consensus Has Updated Its Estimates
Jan 30
Why Dividend Hunters Love Citizens Community Bancorp, Inc. (NASDAQ:CZWI)
Jan 24What Is The Ownership Structure Like For Citizens Community Bancorp, Inc. (NASDAQ:CZWI)?
Dec 20A Look At Citizens Community Bancorp's (NASDAQ:CZWI) Share Price Returns
Nov 24Citizens Community Bancorp EPS beats by $0.12, beats on revenue
Oct 28Shareholder Returns
| CZWI | US Banks | US Market | |
|---|---|---|---|
| 7D | 4.2% | 3.0% | -0.05% |
| 1Y | 27.2% | 13.1% | 5.7% |
Return vs Industry: CZWI exceeded the US Banks industry which returned 13% over the past year.
Return vs Market: CZWI exceeded the US Market which returned 4.6% over the past year.
Price Volatility
| CZWI volatility | |
|---|---|
| CZWI Average Weekly Movement | 3.8% |
| Banks Industry Average Movement | 4.6% |
| Market Average Movement | 7.7% |
| 10% most volatile stocks in US Market | 16.7% |
| 10% least volatile stocks in US Market | 4.1% |
Stable Share Price: CZWI has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: CZWI's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1938 | 220 | Steve Bianchi | ccf.us |
Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal N.A. that provides various traditional community banking services to businesses, agricultural operators, and consumers. It accepts various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit. The company also offers various loan products, such as commercial real estate, commercial and industrial, agricultural real estate, agricultural operating, and consumer loans; and one-to-four family residential mortgages and home equity lines-of-credit.
Citizens Community Bancorp, Inc. Fundamentals Summary
| CZWI fundamental statistics | |
|---|---|
| Market cap | US$134.66m |
| Earnings (TTM) | US$13.75m |
| Revenue (TTM) | US$59.57m |
9.9x
P/E Ratio0.8x
P/B RatioIs CZWI overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| CZWI income statement (TTM) | |
|---|---|
| Revenue | US$59.57m |
| Cost of Revenue | US$0 |
| Gross Profit | US$59.57m |
| Other Expenses | US$45.82m |
| Earnings | US$13.75m |
Last Reported Earnings
Dec 31, 2024
Next Earnings Date
n/a
| Earnings per share (EPS) | 1.38 |
| Gross Margin | 100.00% |
| Net Profit Margin | 23.08% |
| Debt/Equity Ratio | 37.2% |
How did CZWI perform over the long term?
See historical performance and comparisonDividends
2.6%
Current Dividend Yield24%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/04/17 23:34 |
| End of Day Share Price | 2025/04/17 00:00 |
| Earnings | 2024/12/31 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Citizens Community Bancorp, Inc. is covered by 3 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Brendan Nosal | Hovde Group, LLC |
| Brian Martin | Janney Montgomery Scott LLC |
| Nathan Race | Piper Sandler Companies |