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Citizens Community Bancorp, Inc. logo

Citizens Community Bancorp, Inc.

CZWI

NASDAQFinancial ServicesBanks - Regional

Open in GoAI

Latest quote

$20.88

−$0.19 · -0.90%

Aug 24, 4:00 PM ET

After-hours

$20.88

$0.00 · 0.00%

Aug 24, 4:10 PM ET

CZWI company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

74

Undervalued

Momentum

66

Gaining

Sentiment

66

Bullish

Risk resilience

68

Moderate Risk

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Thesis, catalysts, evidence, and risk analysis.

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Company profile

Company website

Citizens Community Bancorp, Inc. functions as the parent entity for Citizens Community Federal N.A., offering a comprehensive array of conventional banking solutions to businesses, agricultural enterprises, and individual customers. The company facilitates client deposits through diverse products, including checking accounts, savings and money market accounts, and certificates of deposit (CDs). Its lending portfolio is equally broad, encompassing commercial real estate loans, commercial and industrial financing, agricultural land and operational loans, consumer credit, mortgages for one-to-four family residences, and home equity lines of credit. Furthermore, Citizens Community Bancorp manages an investment portfolio featuring various securities such as mortgage-backed, corporate asset-backed, U.S. government agency-sponsored, corporate debt, and trust preferred instruments. Its operations span Wisconsin and Minnesota, supported by a network of 25 full-service branches. Established in 1938, the bank holding company is headquartered in Eau Claire, Wisconsin.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Stephen Bianchi
Listed since
Mar 30, 2004
Employees
217

Market position

Day range

Current $20.88

52-week range

Current $20.88

Open
$21.06
Previous close
$21.07
Volume
27.92K
0.45× average
Average volume
61.81K
Average daily volume
Market cap
201.37M USD
Beta
0.51
Market reference 1
50-day average
$22.1528
-5.75% below average
200-day average
$19.6859
+6.07% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
105.93M USD
EV / EBITDA
11.91×
Earnings yield
8.34%
Free cash flow yield
6.00%

Profitability & efficiency

Return on equity
7.67%
Return on assets
0.81%
Return on invested capital
2.03%

Financial health

Current ratio
0.13×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends95%63%31%-1%Gross margin, FY2021: 87.05%Gross margin, FY2022: 81.92%Gross margin, FY2023: 62.49%Gross margin, FY2024: 59.80%Gross margin, FY2025: 54.68%Operating margin, FY2021: 36.17%Operating margin, FY2022: 29.39%Operating margin, FY2023: 20.05%Operating margin, FY2024: 17.55%Operating margin, FY2025: 7.01%Net margin, FY2021: 26.56%Net margin, FY2022: 22.14%Net margin, FY2023: 13.83%Net margin, FY2024: 13.83%Net margin, FY2025: 16.01%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 87.05%. Gross margin FY2022 81.92%. Gross margin FY2023 62.49%. Gross margin FY2024 59.80%. Gross margin FY2025 54.68%. Operating margin FY2021 36.17%. Operating margin FY2022 29.39%. Operating margin FY2023 20.05%. Operating margin FY2024 17.55%. Operating margin FY2025 7.01%. Net margin FY2021 26.56%. Net margin FY2022 22.14%. Net margin FY2023 13.83%. Net margin FY2024 13.83%. Net margin FY2025 16.01%.

Income trends

Revenue

90.07M USD-9.41%

Operating income

6.31M USD-63.82%

Net income

14.42M USD+4.87%
Income trends across reported periods108.74M USD71.49M USD34.25M USD−3M USDRevenue, FY2021: 80.06M USDRevenue, FY2022: 80.22M USDRevenue, FY2023: 94.44M USDRevenue, FY2024: 99.43M USDRevenue, FY2025: 90.07M USDOperating income, FY2021: 28.96M USDOperating income, FY2022: 23.58M USDOperating income, FY2023: 18.93M USDOperating income, FY2024: 17.45M USDOperating income, FY2025: 6.31M USDNet income, FY2021: 21.27M USDNet income, FY2022: 17.76M USDNet income, FY2023: 13.06M USDNet income, FY2024: 13.75M USDNet income, FY2025: 14.42M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 80.06M USD. Revenue FY2022 80.22M USD. Revenue FY2023 94.44M USD. Revenue FY2024 99.43M USD. Revenue FY2025 90.07M USD. Operating income FY2021 28.96M USD. Operating income FY2022 23.58M USD. Operating income FY2023 18.93M USD. Operating income FY2024 17.45M USD. Operating income FY2025 6.31M USD. Net income FY2021 21.27M USD. Net income FY2022 17.76M USD. Net income FY2023 13.06M USD. Net income FY2024 13.75M USD. Net income FY2025 14.42M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue90.07M USD99.43M USD94.44M USD80.22M USD80.06M USD
Cost of goods sold40.82M USD39.97M USD35.42M USD14.5M USD10.37M USD
Gross profit49.25M USD59.46M USD59.01M USD65.72M USD69.69M USD
Selling, general, and administrative26.53M USD24.33M USD22.65M USD23.62M USD24.26M USD
Operating expenses42.94M USD42.01M USD40.08M USD42.14M USD40.73M USD
Interest income90.25M USD89.62M USD84.25M USD69.4M USD64.04M USD
Interest expense39.07M USD43.14M USD35.9M USD13.03M USD10.37M USD
Depreciation and amortization2.58M USD3.42M USD3.74M USD4.03M USD4.04M USD
Operating income6.31M USD17.45M USD18.93M USD23.58M USD28.96M USD
Net income14.42M USD13.75M USD13.06M USD17.76M USD21.27M USD

Company facts updated Aug 24, 2026.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

3 ratings

Limited analyst sample: 3 ratings. Interpret the distribution with caution.

Strong buy00%
Buy267%
Hold133%
Sell00%
Strong sell00%

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ETFs holding CZWI

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
6.4M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$377.07-0.31%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
5.54M
Weight
0.01%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$297.96-0.67%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
2.47M
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$243.43-0.86%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
2.04M
Weight
0.01%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.06-0.33%
EA Bridgeway Omni Small-Cap Value ETF logoEA Bridgeway Omni Small-Cap Value ETFBSVO
Market value
1.36M
Weight
0.06%
AUM
1.71B USD
Expense ratio
0.47%
Price / 1D
$29.4931-0.43%
Vanguard Russell 2000 ETF logoVanguard Russell 2000 ETFVTWO
Market value
1.14M
Weight
0.01%
AUM
17.4B USD
Expense ratio
0.06%
Price / 1D
$120.47-0.64%
Dimensional - US Targeted Value ETF logoDimensional - US Targeted Value ETFDFAT
Market value
1.06M
Weight
0.01%
AUM
14.66B USD
Expense ratio
0.28%
Price / 1D
$71.40-0.38%
Dimensional - US Small Cap Value ETF logoDimensional - US Small Cap Value ETFDFSV
Market value
1M
Weight
0.01%
AUM
8.42B USD
Expense ratio
0.30%
Price / 1D
$40.04-0.62%

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