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Citizens Community Bancorp, Inc. (CZWI)
Price$20.68
Favorite Metrics
Price vs S&P 500 (26W)22.90%
Price vs S&P 500 (4W)-1.73%
Market Capitalization$200.18M
P/E Ratio (Annual)13.88x
Indicated Dividend Yield (Annual)2.04%
All Metrics
P/CF (Annual)17.12x
Book Value / Share (Quarterly)$19.54
P/TBV (Annual)0.94x
Indicated Dividend (Annual)$0.36
Revenue Growth (3Y)4.72%
Cash Flow / Share (Quarterly)$1.08
Payout Ratio (TTM)52.38%
Price vs S&P 500 (YTD)11.18%
Net Profit Margin (TTM)22.78%
EPS (TTM)$1.46
10-Day Avg Trading Volume0.04M
EPS Excl Extra (TTM)$1.46
EPS (Annual)$1.46
Dividend / Share (Annual)$0.37
ROI (Annual)6.01%
Cash / Share (Quarterly)$3.11
P/E Basic Excl Extra (TTM)13.88x
Revenue Growth QoQ (YoY)21.23%
EPS Growth (5Y)4.99%
P/E Normalized (Annual)13.88x
ROA (Last FY)0.81%
Revenue Growth TTM (YoY)22.13%
EBITD / Share (TTM)$1.97
ROE (5Y Avg)9.19%
Operating Margin (TTM)33.34%
Cash Flow / Share (Annual)$1.08
P/B Ratio1.07x
P/B Ratio (Quarterly)0.92x
Net Income / Employee (Annual)$0
ROA (TTM)0.82%
EPS Growth QoQ (YoY)62.93%
EV / EBITDA (TTM)12.94x
EPS Incl Extra (Annual)$1.46
3-Month Avg Trading Volume0.05M
52-Week Price Return52.45%
EV / Free Cash Flow (Annual)24.27x
P/E Incl Extra (TTM)13.88x
Tangible BV / Share (Quarterly)$19.14
P/S Ratio (Annual)1.68x
52-Week High$21.00
EPS Excl Extra (Annual)$1.46
CapEx CAGR (5Y)-12.60%
Tangible BV CAGR (5Y)3.91%
26-Week Price Return31.65%
13-Week Price Return13.22%
Total Debt / Equity (Annual)0.28x
Enterprise Value$251.983
Book Value / Share Growth (5Y)6.20%
Revenue / Employee (Annual)$307,122
Pretax Margin (Annual)35.30%
Cash / Share (Annual)$3.39
3-Month Return Std Dev23.07%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)0.25%
EBITDA Interim CAGR (5Y)0.13%
ROE (Last FY)7.67%
EPS Basic Excl Extra (Annual)$1.46
P/FCF (TTM)18.17x
EV / Free Cash Flow (TTM)24.27x
Total Debt / Equity (Quarterly)0.28x
EPS Incl Extra (TTM)$1.46
ROI (TTM)6.01%
Dividend Growth Rate (5Y)11.65%
P/S Ratio (TTM)1.82x
Revenue / Share (Annual)$6.35
Tangible BV / Share (Annual)$19.14
Forward P/E11.82x
Free OCF CAGR (5Y)-13.32%
Price vs S&P 500 (52W)17.35%
P/E Ratio (TTM)13.88x
EPS Growth TTM (YoY)7.34%
Year-to-Date Return15.32%
5-Day Price Return0.10%
EPS Normalized (Annual)$1.46
ROA (5Y Avg)0.90%
Net Profit Margin (Annual)26.59%
Month-to-Date Return3.79%
Cash Flow / Share (TTM)$1.66
EBITD / Share (Annual)$1.97
EPS Growth (3Y)-4.85%
Operating Margin (Annual)35.30%
LT Debt / Equity (Annual)0.28x
P/CF (TTM)17.12x
ROI (5Y Avg)6.77%
P/E Excl Extra (TTM)13.88x
LT Debt / Equity (Quarterly)0.28x
EPS Basic Excl Extra (TTM)$1.46
P/TBV (Quarterly)0.94x
Payout Ratio (Annual)24.95%
P/B Ratio (Annual)0.92x
Dividend / Share (TTM)$0.37
Pretax Margin (TTM)33.34%
Book Value / Share (Annual)$19.54
Price vs S&P 500 (13W)10.36%
Dividend Yield (TTM)1.80%
Beta0.56x
P/FCF (Annual)19.28x
Revenue / Share (TTM)$5.89
ROE (TTM)7.81%
52-Week Low$12.83
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
4.25
4.14
4.13
4.13
Industry Peers — Savings Institutions(36)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
CZWICitizens Community Bancorp, Inc. | 0.92x | 7.81% | 0.82% | — | $20.68 |
HSBCHSBC Holdings PLC | 1.38x | 14.21% | 0.85% | — | $91.59 |
AXAxos Financial, Inc. Common Stock | 1.67x | 16.59% | 1.75% | — | $98.97 |
EBCEastern Bankshares, Inc. Common Stock | 1.01x | 2.29% | 0.33% | — | $20.97 |
TFSLTFS Financial Corporation | 1.97x | 4.79% | 0.52% | — | $15.05 |
BKUBankunited, Inc. | 1.10x | 8.99% | 0.76% | — | $47.34 |
PFSProvident Financial Services, Inc. | 0.91x | 10.62% | 1.18% | — | $22.84 |
CLBKColumbia Financial, Inc. Common Stock | 1.40x | 4.58% | 0.48% | — | $18.41 |
CFFNCapitol Federal Financial, Inc. | 0.86x | 6.99% | 0.75% | — | $7.72 |
HTBHomeTrust Bancshares, Inc. | 1.25x | 11.00% | 1.41% | — | $45.47 |
NFBKNorthfield Bancorp, Inc. | 0.69x | 0.11% | 0.01% | — | $13.85 |
About
Citizens Community Bancorp is a bank holding company serving businesses, agricultural operators, and consumers through community banking operations. The company generates revenue from a diversified lending portfolio including commercial real estate, commercial and industrial loans, agricultural financing, residential mortgages, and consumer loans, supplemented by traditional deposit products.