CZWI Company Profile and Key Details

Q: Who are the executives of CZWI?

Mr. James S. BroucekChief Financial Officer, Principal Accounting Officer, Executive Vice President, Treasurer & Sec.Mr. Stephen M. BianchiChairman, Pres & Chief Executive OfficerMr. Lucas S. SchulteCommunity Banking PresMr. Mike M. DietschCommunity Bank Pres of Faribault

NASDAQ : CZWI

Citizens Community Bancorp

$21.14

0.28+1.34%

At Close 4:00 PM

72.33

B+ESG ScoreESG Rating

Profile Key Stats Analyst Ratings Ownership Ratios Financials Dividend & splits Sentiment Forecast

Price Chart

Stock Price Today

Citizens Community Bancorp, Inc. (CZWI) stock surged +1.34%, trading at $21.14 on NASDAQ, up from the previous close of $20.86. The stock opened at $20.96, fluctuating between $20.96 and $21.28 in the recent session.

Stock Snapshot

20.86

Prev. Close

203.55M

Market Cap

20.955

Day Low

13.82

P/E Ratio

1.53

EPS (TTM)

-3.48

Cash Flow per Share

20.96

Open

9.63M

Number of Shares

21.28

Day High

90.96%

Free Float in %

16.6

Book Value

6.73K

Volume

Relevant Articles

SEC Fillings

Current Report (8-k)

Filing Date	Accepted Date

Annual Report (10-k)

Filing Date	Accepted Date

Stock Price History Chart

Date	Open	High	Low	Close	Volume
May 05, 2026	20.93	21.28	20.93	21.14	10.61K
May 04, 2026	20.71	20.97	20.50	20.86	27.83K
Apr 30, 2026	20.66	20.99	20.66	20.75	14.97K
Apr 29, 2026	21.54	21.95	20.71	20.83	22.18K
Apr 28, 2026	20.93	21.29	20.86	21.22	13.48K
Apr 27, 2026	20.72	20.99	20.58	20.85	19.22K
Apr 23, 2026	20.64	20.65	20.40	20.49	6.06K
Apr 22, 2026	20.46	20.54	20.37	20.53	10.06K
Apr 21, 2026	21.81	21.81	20.42	20.51	20.9K
Apr 20, 2026	22.62	22.62	20.48	20.68	19.34K
Apr 17, 2026	20.66	21.00	20.43	20.55	23.94K
Apr 16, 2026	20.35	20.46	20.26	20.34	18.67K
Apr 14, 2026	20.41	20.70	19.74	20.63	15.66K
Apr 13, 2026	20.58	20.74	20.45	20.53	50.55K
Apr 10, 2026	20.61	20.77	20.54	20.68	70.23K
Apr 09, 2026	20.75	20.94	20.65	20.77	42.52K
Apr 08, 2026	20.89	20.89	20.43	20.85	32.63K
Apr 07, 2026	20.13	20.49	20.13	20.48	54.33K
Apr 06, 2026	20.11	20.20	19.84	20.11	40.62K
Apr 02, 2026	19.89	20.24	19.88	20.11	24.08K

Contact Details

Eau Claire, WI 54701

United States

https://www.ccf.us 715 836 9994

About Company

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 one-to-four family residential mortgages and home equity lines-of-credit. In addition, the company provides a portfolio of investments, such as mortgage-backed, corporate asset-backed, U.S. Government sponsored agency, corporate debt, and trust preferred securities. It operates through a network of 25 full-service branch in Wisconsin and Minnesota. Citizens Community Bancorp, Inc. was founded in 1938 and is based in Eau Claire, Wisconsin.

Stock Peers

FCNCA

47.69+2.44%

First Citizens BancShares, Inc.$2,002.14 HIFS

5.24+1.88%

Hingham Institution for Savings$284.21 CATC

Cambridge Bancorp$220.00 WTFC

1.505+1.01%

Wintrust Financial Corporation$150.46 BPOP

0.33+0.22%

Popular, Inc.$148.37 BFC

1.86+1.29%

Bank First Corporation$145.68 BOKF

1.76+1.32%

BOK Financial Corporation$134.76 UMBF

1.65+1.28%

UMB Financial Corporation$131.06 NBN

3.35+2.72%

Northeast Bank$126.62 CHCO

1.55+1.27%

City Holding Company$123.95

Company Overview

Citizens Community Bancorp, Inc. (NASDAQ:CZWI) closed at $21.14 USD, gaining $0.28 (1.34%) from the previous close of $20.86. The stock is currently mid-range between its 52-week high and low $12.83 and $22.62. With a market capitalization of about $203.55 million, Citizens Community Bancorp, Inc. is classified as a micro-cap and shows lower-than-market volatility (beta ~0.56). Key stats such as the average daily volume over the past year has been around 46.33 thousand shares, volume is running light vs its 52-week average. Headquartered in Eau Claire, WI, Citizens Community Bancorp, Inc. operates in the Financial Services sector and the Banks - Regional industry. Led by CEO Stephen Bianchi, the company employs approximately 207 people and listed since March 30, 2004. Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal N.A.

Technical Performance

Short-term trend indicators are bearishly aligned (SMA20 -1.79%, SMA50 -0.48%, SMA200 11.66%). The stock’s 14-day RSI is 46.97 (neutral), while the ATR of 0.54 points to higher daily volatility. The stock remains hovering near 52-week lows, trading -4.92% below its high and over 43.18% above its low. Average 10-day trading volume of 18.05 thousand shares is below the 3-month average of 48.02 thousand, indicating normal recent market interest.

Valuation Metrics

Citizens Community Bancorp, Inc. trades at a P/E ratio of 13.67, slightly below the S&P 500 average, with a price-to-sales ratio of 2.25 and a price-to-book ratio of 1.07 suggesting the stock is closer to book value. The P/FCF stands at 18.28, also below market averages.

Dividend & Fair Value

Citizens Community Bancorp, Inc. last paid a dividend of 0.1 per share, this equals a trailing yield of roughly 2.63%. Dividend and splits history remains an important factor for investors monitoring long-term returns. A discounted cash flow model estimates fair value at around $20.01. This means the shares are trading above this model’s fair value.

Earnings & Analyst Outlook

Citizens Community Bancorp, Inc. generated EPS of $1.46 over the past year. Five-year average earnings growth is 5.07%. The latest quarter delivered EPS of $0.39. The next quarter is forecast at $0.36. Next year's EPS is expected at -$15.32. Citizens Community Bancorp, Inc. earnings surprise history is a consistent trend of beating forecasts. The quarter that ended April 27, 2026, missed forecasts by 8.33%. The prior quarter beat by 18.92%. Over the last six quarters, Apple has recorded several small beats. These include 0.0% in January 27, 2025.

Shareholding & Insider Activity

Citizens Community Bancorp, Inc. has 9.87 million shares outstanding. The public float is 8.98 million shares, elevated short interest at 1.60% of float. This equals 151.69 thousand shares. The short ratio is 5.22 days. Institutional investors hold 64.94% of the float. Insiders own 6.36%. MCHUGH RICHARD holds 188.95 thousand shares, Bianchi Stephen M has 53.42 thousand shares and BROUCEK JAMES S has 42.94 thousand shares. Over the past six months, insider transactions show net buying. They sold 0.00 shares across 0 transactions.

Financial & Profitability Overview

Over the trailing twelve months, Citizens Community Bancorp generated $93.82M in revenue, or $8.96 per share. Gross margin was 100.00%, operating margin 22.57%, and net profit margin 13.92%. Returns are modest, with ROA at 0.71% and ROE at 7.53%.
On valuation metrics, Citizens Community Bancorp trades at a P/E of 13.67, P/S of 2.25 and P/B of 1.07. Operationally, the company’s inventory turnover is 0.00 and cash conversion cycle is 23.42 days. Debt-to-equity is 0.27, supported by a cash flow-to-debt ratio of 0.23.

Quarterly Financial Highlights

For the quarter ended Dec 31, 2023, Citizens Community Bancorp posted revenue of $93.82M, down slightly from $67.19M in the prior quarter. Gross profit was $93.82M (margin 100.00%). Operating income was $21.18M (margin 22.6%). Net income was$13.06M (EPS $1.25).
The company ended the quarter with $192.88M in cash and short-term investments, a total debt of $148.68M, and net debt of $111.54M. Total assets were $1.85B, with equity of $173.33M. Financials further reflected weakness, with operating cash flow of - $33.78M, free cash flow of - $35.15M, and capital expenditures of - $1.37M.

Price Forecast & Outlook

Our AI price prediction model suggests that Citizens Community Bancorp, Inc. stock has strong potential for upside but may face short-term weakness followed by gains in the medium and long term. 2-Week Outlook: Projected increase of 2.18%, with price expected at $21.60 by May 19, 2026, within a range of $21.33 to $21.89 1-Year Outlook: Projected gain of 15.14%, with price at $24.34 by May 05, 2027, within a range of $23.87 to $24.80.

Key Takeaways

Citizens Community Bancorp, Inc. (NASDAQ:CZWI) shares are flat 0.56% year-to-date currently trading near 52-week highs band. Short-term momentum has been positive over the last quarter, despite recent volatility. Valuation shows Citizens Community Bancorp, Inc. trading at a premium to the broader market with a P/E of 13.67. Analyst sentiment is cautious, with the majority of ratings in Market Perform territory and a mean price target of $12.75, suggesting -39.69% downside.

Frequently Asked Questions

What is the current Citizens Community Bancorp, Inc. (CZWI) stock price?

Citizens Community Bancorp, Inc. (NASDAQ: CZWI) stock price is $21.14 in the last trading session. During the trading session, CZWI stock reached the peak price of $21.28 while $20.96 was the lowest point it dropped to. The percentage change in CZWI stock occurred in the recent session was 1.34% while the dollar amount for the price change in CZWI stock was $0.28.

CZWI's industry and sector of operation?

The NASDAQ listed CZWI is part of Banks - Regional industry that operates in the broader Financial Services sector. Citizens Community Bancorp, Inc. designs, manufactures, and markets smartphones, personal computers, tablets, wearables, and accessories worldwide.

Who are the executives of CZWI?

Mr. James S. Broucek
Chief Financial Officer, Principal Accounting Officer, Executive Vice President, Treasurer & Sec.
Mr. Stephen M. Bianchi
Chairman, Pres & Chief Executive Officer
Mr. Lucas S. Schulte
Community Banking Pres
Mr. Mike M. Dietsch
Community Bank Pres of Faribault

How CZWI did perform over past 52-week?

CZWI's closing price is 64.77% higher than its 52-week low of $12.83 where as its distance from 52-week high of $22.62 is -6.54%.

How many employees does CZWI have?

Number of CZWI employees currently stands at 207.

Link for CZWI official website?

Official Website of CZWI is: https://www.ccf.us

How do I contact CZWI?

CZWI could be contacted at phone 715 836 9994 and can also be accessed through its website. CZWI operates from 2174 EastRidge Center, Eau Claire, WI 54701, United States.

How many shares of CZWI are traded daily?

CZWI stock volume for the day was 6.73K shares. The average number of CZWI shares traded daily for last 3 months was 46.33K.

What is the market cap of CZWI currently?

The market value of CZWI currently stands at $203.55M with its latest stock price at $21.14 and 9.63M of its shares outstanding.

Stocks Telegraph provides information and tools designed to assist investors and Wall Street players. A major goal is to offer financiers comprehensive information that will help them gain insight into investing.

Stocks Telegraph does not provide any advice or recommendations for buying or selling stocks, securities, or other financial products. Information contained on this website is for informational purposes only and should not be construed as professional financial, investment or other advice. Stocks Telegraph is not liable for any loss or damage that may occur as a result of reliance on this data.

Employees	207
Beta	0.65
Sales or Revenue	$93.82M
5Y Sales Change%	35.092%
Fiscal Year Ends	December
Sector	Financial Services
Industry	Banks - Regional

CZWI Company Profile and Key Details

Citizens Community Bancorp

Price Chart

Stock Price Today

Stock Snapshot

Relevant Articles

SEC Fillings

Current Report (8-k)

Annual Report (10-k)

Stock Price History Chart

Contact Details

About Company

Company Information

Stock Peers

Company Overview

Technical Performance

Valuation Metrics

Dividend & Fair Value

Earnings & Analyst Outlook

Shareholding & Insider Activity

Financial & Profitability Overview

Quarterly Financial Highlights

Price Forecast & Outlook

Key Takeaways

Frequently Asked Questions

Stock Snapshot

Technical Performance

Company Overview

Valuation Metrics

Shareholding & Insider Activity

Dividend & Fair Value

Earnings & Analyst Outlook

Financial & Profitability Overview

Quarterly Financial Highlights

Price Forecast & Outlook

Key Takeaways