Symbols / CZWI Stock $20.49 -0.19% Citizens Community Bancorp, Inc.

Financial Services • Banks - Regional • United States • NGM
CZWI (Stock) Chart
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About

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 in the United States, Wisconsin, Minnesota and internationally. The company offers various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit. It also provides 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. In addition, the company maintains a portfolio of investments comprising mortgage-backed, asset-backed, U.S. Government sponsored agency, and corporate debt securities. Citizens Community Bancorp, Inc. was founded in 1938 and is based in Eau Claire, Wisconsin.

Stock Fundamentals
Scroll to Statements
Market Cap 197.29M Enterprise Value 324.79M Income 14.42M Sales 60.38M Book/sh 12.62 Cash/sh 4.34
Dividend Yield 2.26% Payout 24.66% Employees 217 IPO — P/E 14.03 Forward P/E 9.69
PEG — P/S 3.27 P/B 1.62 P/C — EV/EBITDA — EV/Sales 5.38
Quick Ratio — Current Ratio — Debt/Eq — LT Debt/Eq — EPS (ttm) 1.46 EPS next Y 2.12
EPS Growth -60.90% Revenue Growth 25.10% Earnings 2026-04-27 ROA 0.82% ROE 7.86% ROIC —
Gross Margin 0.00% Oper. Margin 16.56% Profit Margin 23.88% Shs Outstand 9.63M Shs Float 9.94M Short Float 1.40%
Short Ratio 2.16 Short Interest — 52W High 22.62 52W Low 12.83 Beta 0.56 Avg Volume 51.75K
Volume 5.52K Target Price $21.25 Recom None Prev Close $20.53 Price $20.49 Change -0.19%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$21.25
Mean price target
2. Current target
$20.49
Latest analyst target
3. DCF / Fair value
$21.90
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$20.49
Low
$21.00
High
$21.50
Mean
$21.25

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2017-11-28 init Piper Sandler — → Buy $16
News
RSS: Latest CZWI news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-20 BIANCHI STEPHEN M Chief Executive Officer — 5,000 $11.00 $55,000
2026-01-23 JOHNSON REBECCA M Officer — 2,000 $9.62 $19,240
2026-01-22 BIANCHI STEPHEN M Chief Executive Officer — 3,325 $18.52 $61,579
2026-01-22 BROUCEK JAMES S Chief Financial Officer — 1,733 $18.52 $32,095
2025-08-06 CONNER MICHAEL R Director — 1,600 $15.03 $24,048
2025-08-04 OLSON TIMOTHY L. Director — 1,471 $14.99 $22,050
2025-07-31 FELBER FRANCIS E Director — 3,000 $14.80 $44,400
2025-07-31 SKARVAN KATHLEEN S Director — 1,000 $14.74 $14,740
2025-06-24 BIANCHI STEPHEN M Chief Executive Officer — 3,000 $11.00 $33,000
2025-01-23 BIANCHI STEPHEN M Chief Executive Officer — 4,985 $16.09 $80,209
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
62.29
+10.67%
56.29
-3.84%
58.54
-12.88%
67.19
Operating Revenue
62.29
+10.67%
56.29
-3.84%
58.54
-12.88%
67.19
Selling General And Administration
25.55
+5.02%
24.33
+7.42%
22.65
-4.08%
23.61
Selling And Marketing Expense
0.91
+14.25%
0.79
+8.04%
0.73
-27.83%
1.02
General And Administrative Expense
24.65
+4.71%
23.54
+7.40%
21.92
-3.01%
22.60
Salaries And Wages
23.88
+4.99%
22.74
+7.75%
21.11
-4.62%
22.13
Other Gand A
—
—
—
—
Reconciled Depreciation
3.23
-5.52%
3.42
-8.50%
3.74
-7.13%
4.03
Total Unusual Items
-0.03
+88.78%
-0.29
-374.19%
-0.06
-115.70%
0.40
Total Unusual Items Excluding Goodwill
-0.03
+88.78%
-0.29
-374.19%
-0.06
-115.70%
0.40
Special Income Charges
—
—
—
—
Net Income
14.42
+4.87%
13.75
+5.30%
13.06
-26.47%
17.76
Pretax Income
17.44
-0.05%
17.45
-7.83%
18.93
-19.72%
23.58
Net Interest Income
51.18
+10.13%
46.47
-3.88%
48.35
-14.23%
56.37
Interest Expense
36.45
-15.52%
43.14
+20.17%
35.90
+175.55%
13.03
Interest Income
87.63
-2.22%
89.61
+6.37%
84.25
+21.40%
69.40
Gain On Sale Of Security
0.23
+127.34%
-0.86
-286.49%
0.46
-15.16%
0.54
Gain On Sale Of Business
—
—
—
—
Tax Provision
3.02
-18.33%
3.70
-37.02%
5.87
+0.91%
5.82
Tax Rate For Calcs
0.00
-18.40%
0.00
-31.61%
0.00
+25.51%
0.00
Tax Effect Of Unusual Items
-0.01
+90.84%
-0.06
-224.29%
-0.02
-119.70%
0.10
Net Income Including Noncontrolling Interests
14.42
+4.87%
13.75
+5.30%
13.06
-26.47%
17.76
Net Income From Continuing Operation Net Minority Interest
14.42
+4.87%
13.75
+5.30%
13.06
-26.47%
17.76
Net Income From Continuing And Discontinued Operation
14.42
+4.87%
13.75
+5.30%
13.06
-26.47%
17.76
Net Income Continuous Operations
14.42
+4.87%
13.75
+5.30%
13.06
-26.47%
17.76
Normalized Income
14.45
+3.32%
13.98
+6.72%
13.10
-24.98%
17.46
Net Income Common Stockholders
14.42
+4.87%
13.75
+5.30%
13.06
-26.47%
17.76
Diluted EPS
1.46
+8.96%
1.34
+7.20%
1.25
-26.04%
1.69
Basic EPS
1.46
+8.96%
1.34
+7.20%
1.25
-26.04%
1.69
Basic Average Shares
9.88
-3.75%
10.26
-1.77%
10.45
-0.59%
10.51
Diluted Average Shares
9.88
-3.76%
10.26
-1.98%
10.47
-0.41%
10.51
Diluted NI Availto Com Stockholders
14.42
+4.87%
13.75
+5.30%
13.06
-26.47%
17.76
Amortization
0.58
-18.32%
0.71
-5.30%
0.76
-47.90%
1.45
Amortization Of Intangibles Income Statement
0.58
-18.32%
0.71
-5.30%
0.76
-47.90%
1.45
Depreciation Amortization Depletion Income Statement
0.58
-18.32%
0.71
-5.30%
0.76
-47.90%
1.45
Depreciation And Amortization In Income Statement
0.58
-18.32%
0.71
-5.30%
0.76
-47.90%
1.45
Insurance And Claims
0.77
-3.13%
0.80
-1.72%
0.81
+72.77%
0.47
Occupancy And Equipment
4.97
-3.57%
5.16
-5.01%
5.43
-1.07%
5.49
Other Non Interest Expense
10.01
-0.30%
10.04
+3.34%
9.72
-1.61%
9.88
Professional Expense And Contract Services Expense
1.78
+0.79%
1.76
+15.68%
1.52
-10.72%
1.71
Line Item Trend 2023-12-31
Total Assets
1,851.39
Cash And Cash Equivalents
37.14
Other Short Term Investments
73.48
Receivables
5.41
Accounts Receivable
5.41
Net PPE
18.37
Gross PPE
30.97
Accumulated Depreciation
-12.60
Land And Improvements
3.78
Buildings And Improvements
16.09
Machinery Furniture Equipment
11.10
Goodwill And Other Intangible Assets
37.06
Goodwill
31.50
Other Intangible Assets
5.56
Investments And Advances
252.98
Total Liabilities Net Minority Interest
1,678.06
Current Debt And Capital Lease Obligation
79.53
Current Debt
79.53
Other Current Borrowings
79.53
Long Term Debt And Capital Lease Obligation
67.47
Long Term Debt
67.47
Stockholders Equity
173.33
Common Stock Equity
173.33
Capital Stock
0.10
Common Stock
0.10
Share Issued
10.44
Ordinary Shares Number
10.44
Treasury Shares Number
0.00
Additional Paid In Capital
119.44
Retained Earnings
71.12
Gains Losses Not Affecting Retained Earnings
-17.33
Other Equity Adjustments
-17.33
Total Equity Gross Minority Interest
173.33
Total Capitalization
240.80
Invested Capital
320.33
Total Debt
147.00
Net Debt
109.86
Net Tangible Assets
136.28
Tangible Book Value
136.28
Available For Sale Securities
88.27
Cash Cash Equivalents And Federal Funds Sold
37.14
Held To Maturity Securities
91.23
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
11.69
-42.68%
20.40
+55.44%
13.12
-55.19%
29.29
Cash Flow From Continuing Operating Activities
11.69
-42.68%
20.40
+55.44%
13.12
-55.19%
29.29
Net Income From Continuing Operations
14.42
+4.87%
13.75
+5.30%
13.06
-26.47%
17.76
Depreciation Amortization Depletion
3.23
-5.52%
3.42
-8.50%
3.74
-7.13%
4.03
Depreciation
2.03
-6.67%
2.17
-8.31%
2.37
+0.59%
2.36
Amortization Cash Flow
1.21
-3.52%
1.25
-8.83%
1.37
-18.01%
1.67
Depreciation And Amortization
3.23
-5.52%
3.42
-8.50%
3.74
-7.13%
4.03
Amortization Of Intangibles
1.21
-3.52%
1.25
-8.83%
1.37
-18.01%
1.67
Other Non Cash Items
-1.58
-124.16%
6.52
+369.99%
-2.42
-131.61%
7.64
Stock Based Compensation
—
—
0.00
-100.00%
0.00
Deferred Tax
-1.06
-378.42%
0.38
+88.12%
0.20
-82.53%
1.16
Deferred Income Tax
-1.06
-378.42%
0.38
+88.12%
0.20
-82.53%
1.16
Operating Gains Losses
-3.16
-132.28%
-1.36
+23.21%
-1.77
-38.47%
-1.28
Gain Loss On Investment Securities
-0.23
-127.34%
0.86
+286.49%
-0.46
+15.16%
-0.54
Unrealized Gain Loss On Investment Securities
—
—
—
-0.54
Gain Loss On Sale Of PPE
—
0.00
-100.00%
0.38
-48.37%
0.74
Change In Working Capital
-2.05
-319.44%
0.94
+10.38%
0.85
+155.03%
-1.54
Change In Receivables
-5.29
-197.80%
-1.77
-3387.04%
0.05
-31.65%
0.08
Changes In Account Receivables
-5.29
-197.80%
-1.77
-3387.04%
0.05
-31.65%
0.08
Change In Other Working Capital
—
—
—
—
Change In Other Current Liabilities
3.23
+19.22%
2.71
+241.44%
0.79
+149.01%
-1.62
Investing Cash Flow
45.71
-59.82%
113.74
+432.52%
-34.20
+71.30%
-119.19
Cash Flow From Continuing Investing Activities
45.71
-59.82%
113.74
+432.52%
-34.20
+71.30%
-119.19
Net PPE Purchase And Sale
0.00
-100.00%
0.01
+8.33%
0.01
-14.29%
0.01
Sale Of PPE
0.00
-100.00%
0.01
+8.33%
0.01
-14.29%
0.01
Capital Expenditure
-1.31
-47.47%
-0.89
+34.97%
-1.37
+62.05%
-3.60
Capital Expenditure Reported
-1.31
-47.47%
-0.89
+34.97%
-1.37
+62.05%
-3.60
Net Investment Purchase And Sale
18.24
-11.55%
20.62
+39.70%
14.76
+185.38%
-17.29
Purchase Of Investment
-11.15
-2377.56%
-0.45
+96.36%
-12.36
+76.82%
-53.30
Sale Of Investment
29.39
+39.48%
21.07
-22.30%
27.12
-24.71%
36.02
Net Business Purchase And Sale
—
—
—
—
Gain Loss On Sale Of Business
—
—
—
—
Net Other Investing Changes
0.07
-95.01%
1.40
+357.00%
0.31
-82.92%
1.80
Financing Cash Flow
11.28
+109.32%
-121.11
-629.86%
22.86
-70.54%
77.57
Cash Flow From Continuing Financing Activities
11.28
+109.32%
-121.11
-629.86%
22.86
-70.54%
77.57
Net Issuance Payments Of Debt
-15.01
+81.39%
-80.61
-18.26%
-68.17
-252.94%
44.57
Issuance Of Debt
5.00
0.00
-100.00%
25.00
-82.90%
146.19
Repayment Of Debt
-20.00
+75.19%
-80.61
+13.47%
-93.17
+8.32%
-101.62
Long Term Debt Issuance
5.00
0.00
-100.00%
25.00
-82.90%
146.19
Long Term Debt Payments
-20.00
+71.68%
-70.61
+9.66%
-78.17
-67.66%
-46.62
Net Long Term Debt Issuance
-15.01
+78.75%
-70.61
-32.81%
-53.17
-153.40%
99.57
Short Term Debt Payments
0.00
+100.00%
-10.00
+33.33%
-15.00
+72.73%
-55.00
Net Short Term Debt Issuance
0.00
+100.00%
-10.00
+33.33%
-15.00
+72.73%
-55.00
Net Common Stock Issuance
-6.25
-0.47%
-6.22
-1030.18%
-0.55
+71.26%
-1.91
Common Stock Payments
-6.25
-0.47%
-6.22
-1030.18%
-0.55
+71.26%
-1.91
Common Stock Dividend Paid
-3.60
-7.53%
-3.35
-10.07%
-3.04
-10.87%
-2.74
Cash Dividends Paid
-3.60
-7.53%
-3.35
-10.07%
-3.04
-10.87%
-2.74
Repurchase Of Capital Stock
-6.25
-0.47%
-6.22
-1030.18%
-0.55
+71.26%
-1.91
Proceeds From Stock Option Exercised
0.18
+713.64%
0.02
-24.14%
0.03
-59.15%
0.07
Net Other Financing Charges
—
0.22
+0.45%
0.22
-44.39%
0.40
Changes In Cash
68.68
+426.94%
13.03
+634.31%
1.77
+114.40%
-12.33
Beginning Cash Position
50.17
+35.10%
37.14
+5.02%
35.36
-25.85%
47.69
End Cash Position
118.85
+136.89%
50.17
+35.10%
37.14
+5.02%
35.36
Free Cash Flow
10.38
-46.79%
19.51
+65.95%
11.76
-54.23%
25.69
Interest Paid Supplemental Data
38.61
-2.41%
39.56
+17.98%
33.53
+165.19%
12.64
Income Tax Paid Supplemental Data
2.06
-10.91%
2.32
-41.71%
3.98
-18.25%
4.87
Dividends Received CFI
0.20
-28.62%
0.28
+109.09%
0.13
—
Sale Of Business
—
—
—
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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