Citizens Community Bancorp, Inc.
CZWI
NASDAQ·Financial Services·Banks - Regional·Mkt cap $212.8M
$22.07
▲ +1.10%
P/E
16.85
Mkt Cap
$212.8M
52-Wk Range
$14.61–$24.43
52-Week Range
$14.61 - $24.43
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 33.8% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- Deep community relationships and 85+ year operating history in Upper Midwest markets
- Specialized agricultural lending expertise serving farm operators and agribusiness
- Local decision-making and personalized service versus national bank competitors
- Established branch network providing convenient access across Wisconsin and Minnesota
Bear Case
2 risks
- Low volatility (beta 0.5).
- Premium valuation to Commercial Banking peers
Growth
Revenue decline expected
Expansion of commercial and industrial lending to small and mid-sized businesses
Value
Premium valuation to Commercial Banking peers
Momentum
Strong
+7.1% over 3m
Quality
Strong
Solid business
Dividend
Modest
1.43% yield
Smart-money signal
Who's buying CZWI right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 26, 2026
JUL 27, 2026
Reported EPS of $0.11 vs $0.41 consensus (-73.2% surprise). Revenue of $16.1M vs $16.3M expected (-1.2%).
EPS surprise · last 4Q
0 of 1 beats
Estimate
Actual
Q3 26
-73.2%
Revenue trend · last 8Q
—
—
-7%
+20%
+15%
-67%
+72%
-13%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$14.1M
$13.5M
$14.2M
$25.3M
$25.3M
$15.8M
$24.5M
$22.0M
Margins · last 8Q
Gross
61.3%
Operating
-6.2%
Profit
5.0%
Wall Street consensus
1 analyst · 0% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
0%
Hold
100%
Sell
0%
Median Price Target
—
Latest: Hovde Group · Jul 10, 2026
vs Industry
How CZWI stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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