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Citizens Community BancorpNasdaqGM:CZWI Stock Report

Last Price


Market Cap







23 Jan, 2022


Company Financials +
CZWI fundamental analysis
Snowflake Score
Future Growth0/6
Past Performance5/6
Financial Health6/6

CZWI Stock Overview

Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal N.A.

Citizens Community Bancorp Competitors

Westbury Bancorp



IF Bancorp



Price History & Performance

Summary of all time highs, changes and price drops for Citizens Community Bancorp
Historical stock prices
Current Share PriceUS$13.99
52 Week HighUS$14.81
52 Week LowUS$10.55
1 Month Change1.75%
3 Month Change1.16%
1 Year Change29.54%
3 Year Change22.88%
5 Year Change11.43%
Change since IPO116.09%

Recent News & Updates

Shareholder Returns

CZWIUS BanksUS Market

Return vs Industry: CZWI exceeded the US Banks industry which returned 24.9% over the past year.

Return vs Market: CZWI exceeded the US Market which returned 4.2% over the past year.

Price Volatility

Is CZWI's price volatile compared to industry and market?
CZWI volatility
CZWI Average Weekly Movement1.1%
Banks Industry Average Movement3.9%
Market Average Movement6.7%
10% most volatile stocks in US Market15.5%
10% least volatile stocks in US Market2.4%

Stable Share Price: CZWI is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 1% a week.

Volatility Over Time: CZWI's weekly volatility (1%) has been stable over the past year.

About the Company

1938243Steve Bianchi

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. The company accepts various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit. It also offers various loan products comprising commercial real estate, commercial and industrial, agricultural real estate, agricultural operating, and consumer loans; and residential mortgages and home equity lines-of-credit.

Citizens Community Bancorp Fundamentals Summary

How do Citizens Community Bancorp's earnings and revenue compare to its market cap?
CZWI fundamental statistics
Market CapUS$146.93m
Earnings (TTM)US$18.78m
Revenue (TTM)US$66.34m


P/E Ratio


P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
CZWI income statement (TTM)
Cost of RevenueUS$0
Gross ProfitUS$66.34m

Last Reported Earnings

Sep 30, 2021

Next Earnings Date


Earnings per share (EPS)1.79
Gross Margin100.00%
Net Profit Margin28.31%
Debt/Equity Ratio102.4%

How did CZWI perform over the long term?

See historical performance and comparison



Current Dividend Yield


Payout Ratio


Is Citizens Community Bancorp undervalued compared to its fair value and its price relative to the market?


Undervalued compared to fair value

Share Price vs. Fair Value

Below Fair Value: CZWI ($13.99) is trading below our estimate of fair value ($15.29)

Significantly Below Fair Value: CZWI is trading below fair value, but not by a significant amount.

Price To Earnings Ratio

PE vs Industry: CZWI is good value based on its PE Ratio (7.8x) compared to the US Banks industry average (10.8x).

PE vs Market: CZWI is good value based on its PE Ratio (7.8x) compared to the US market (16.5x).

Price to Earnings Growth Ratio

PEG Ratio: CZWI's earnings are forecast to decline next year, so we can't calculate its PEG ratio.

Price to Book Ratio

PB vs Industry: CZWI is good value based on its PB Ratio (0.9x) compared to the US Banks industry average (1.2x).

Future Growth

How is Citizens Community Bancorp forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?


Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts

Analyst Future Growth Forecasts

Earnings vs Savings Rate: CZWI's earnings are forecast to decline over the next 3 years (-22.1% per year).

Earnings vs Market: CZWI's earnings are forecast to decline over the next 3 years (-22.1% per year).

High Growth Earnings: CZWI's earnings are forecast to decline over the next 3 years.

Revenue vs Market: CZWI's revenue is expected to decline over the next 3 years (-3% per year).

High Growth Revenue: CZWI's revenue is forecast to decline over the next 3 years (-3% per year).

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: CZWI's Return on Equity is forecast to be low in 3 years time (7.1%).

Past Performance

How has Citizens Community Bancorp performed over the past 5 years?


Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: CZWI has high quality earnings.

Growing Profit Margin: CZWI's current net profit margins (28.3%) are higher than last year (20.7%).

Past Earnings Growth Analysis

Earnings Trend: CZWI's earnings have grown significantly by 42.9% per year over the past 5 years.

Accelerating Growth: CZWI's earnings growth over the past year (52.4%) exceeds its 5-year average (42.9% per year).

Earnings vs Industry: CZWI earnings growth over the past year (52.4%) exceeded the Banks industry 43.5%.

Return on Equity

High ROE: CZWI's Return on Equity (11.3%) is considered low.

Financial Health

How is Citizens Community Bancorp's financial position? (This company is analysed differently as a bank or financial institution)

Financial Position Analysis

Debt to Equity History and Analysis

Balance Sheet

Financial Institutions Analysis

Asset Level: CZWI's Assets to Equity ratio (10.6x) is moderate.

Allowance for Bad Loans: CZWI has a sufficient allowance for bad loans (139%).

Low Risk Liabilities: 89% of CZWI's liabilities are made up of primarily low risk sources of funding.

Loan Level: CZWI has an appropriate level of Loans to Assets ratio (70%).

Low Risk Deposits: CZWI's Loans to Deposits ratio (87%) is appropriate.

Level of Bad Loans: CZWI has an appropriate level of bad loans (1%).


What is Citizens Community Bancorp current dividend yield, its reliability and sustainability?


Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: CZWI's dividend (1.64%) is higher than the bottom 25% of dividend payers in the US market (1.37%).

High Dividend: CZWI's dividend (1.64%) is low compared to the top 25% of dividend payers in the US market (3.6%).

Stability and Growth of Payments

Stable Dividend: Whilst dividend payments have been stable, CZWI has been paying a dividend for less than 10 years.

Growing Dividend: CZWI's dividend payments have increased, but the company has only paid a dividend for 9 years.

Current Payout to Shareholders

Dividend Coverage: With its low payout ratio (13.3%), CZWI's dividend payments are thoroughly covered by earnings.

Future Payout to Shareholders

Future Dividend Coverage: CZWI's dividends in 3 years are forecast to be well covered by earnings (19.6% payout ratio).

Next Steps


How experienced are the management team and are they aligned to shareholders interests?


Average management tenure


Steve Bianchi (58 yo)





Mr. Stephen M. Bianchi, also known as Steve, has been the Chief Executive Officer and President of Citizens Community Bancorp, Inc. and Citizens Community Federal N.A. since June 24, 2016. He has been Chai...

CEO Compensation Analysis

Compensation vs Market: Steve's total compensation ($USD597.14K) is about average for companies of similar size in the US market ($USD584.00K).

Compensation vs Earnings: Steve's compensation has been consistent with company performance over the past year.

Leadership Team

Experienced Management: CZWI's management team is considered experienced (4.3 years average tenure).

Board Members

Experienced Board: CZWI's board of directors are considered experienced (4.5 years average tenure).


Who are the major shareholders and have insiders been buying or selling?

Insider Trading Volume

Insider Buying: CZWI insiders have bought more shares than they have sold in the past 3 months.

Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Top Shareholders

Company Information

Citizens Community Bancorp, Inc.'s employee growth, exchange listings and data sources

Key Information

  • Name: Citizens Community Bancorp, Inc.
  • Ticker: CZWI
  • Exchange: NasdaqGM
  • Founded: 1938
  • Industry: Regional Banks
  • Sector: Banks
  • Implied Market Cap: US$146.929m
  • Shares outstanding: 10.50m
  • Website:

Number of Employees


  • Citizens Community Bancorp, Inc.
  • 2174 EastRidge Center
  • Eau Claire
  • Wisconsin
  • 54701
  • United States


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/01/23 23:07
End of Day Share Price2022/01/21 00:00
Annual Earnings2020/12/31

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 here.