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Citizens Community Bancorp, Inc. (CZWI)
Price$20.75
Value ScoreD
Growth ScoreD
Momentum ScoreB
Favorite Metrics
Price vs S&P 500 (26W)12.36%
Price vs S&P 500 (4W)-3.03%
VGM Score45.44
Market Capitalization$200.12M
P/E Ratio (Annual)13.88x
Indicated Dividend Yield (Annual)2.04%
All Metrics
P/CF (Annual)17.11x
Book Value / Share (Quarterly)$19.82
P/TBV (Annual)0.94x
Indicated Dividend (Annual)$0.42
Revenue Growth (3Y)4.72%
Cash Flow / Share (Quarterly)$1.27
Payout Ratio (TTM)26.92%
Price vs S&P 500 (YTD)8.28%
Net Profit Margin (TTM)22.78%
EPS (TTM)$1.53
10-Day Avg Trading Volume0.05M
EPS Excl Extra (TTM)$1.53
EPS (Annual)$1.46
Dividend / Share (Annual)$0.37
ROI (Annual)6.01%
Cash / Share (Quarterly)$3.11
P/E Basic Excl Extra (TTM)13.36x
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)$3.23
ROE (5Y Avg)9.19%
Operating Margin (TTM)33.34%
Cash Flow / Share (Annual)$1.08
P/B Ratio1.05x
P/B Ratio (Quarterly)1.00x
Net Income / Employee (Annual)$66,500
ROA (TTM)0.85%
EPS Growth QoQ (YoY)21.77%
EV / EBITDA (TTM)12.39x
EPS Incl Extra (Annual)$1.46
3-Month Avg Trading Volume0.04M
52-Week Price Return48.00%
EV / Free Cash Flow (Annual)24.27x
P/E Incl Extra (TTM)13.36x
Tangible BV / Share (Quarterly)$19.43
P/S Ratio (Annual)1.68x
52-Week High$22.62
EPS Excl Extra (Annual)$1.46
CapEx CAGR (5Y)-12.60%
Tangible BV CAGR (5Y)3.91%
26-Week Price Return20.29%
13-Week Price Return16.18%
Total Debt / Equity (Annual)0.28x
Enterprise Value$251.96M
Book Value / Share Growth (5Y)6.20%
Revenue / Employee (Annual)$307,121,800,000
Pretax Margin (Annual)35.30%
Cash / Share (Annual)$3.39
3-Month Return Std Dev22.96%
Net Income / Employee (TTM)$69,000
EBITDA CAGR (5Y)0.25%
EBITDA Interim CAGR (5Y)23.16%
ROE (Last FY)7.67%
EPS Basic Excl Extra (Annual)$1.46
P/FCF (TTM)15.50x
EV / Free Cash Flow (TTM)20.53x
Total Debt / Equity (Quarterly)0.27x
EPS Incl Extra (TTM)$1.53
ROI (TTM)6.23%
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/E10.65x
Free OCF CAGR (5Y)-13.32%
Price vs S&P 500 (52W)23.64%
P/E Ratio (TTM)13.36x
EPS Growth TTM (YoY)18.71%
Year-to-Date Return16.44%
5-Day Price Return3.75%
EPS Normalized (Annual)$1.46
ROA (5Y Avg)0.90%
Net Profit Margin (Annual)26.59%
Month-to-Date Return1.72%
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)14.24x
ROI (5Y Avg)6.77%
P/E Excl Extra (TTM)13.36x
LT Debt / Equity (Quarterly)0.27x
EPS Basic Excl Extra (TTM)$1.53
P/TBV (Quarterly)1.02x
Payout Ratio (Annual)24.95%
P/B Ratio (Annual)0.92x
Dividend / Share (TTM)$0.10
Pretax Margin (TTM)33.34%
Book Value / Share (Annual)$19.54
Price vs S&P 500 (13W)7.93%
Dividend Yield (TTM)0.51%
Beta0.54x
P/FCF (Annual)19.28x
Revenue / Share (TTM)$5.89
ROE (TTM)8.00%
52-Week Low$12.83
vGradeD
gGradeD
mGradeB
vgmGradeC
Show chart for
Earnings Surprise History
Q1 260.39est. 0.37
Analyst Recommendations
Feb 2026
Mar 2026
Apr 2026
May 2026
4.14
4.13
4.13
4.13
Industry Peers — Savings Institutions(37)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
CZWICitizens Community Bancorp, Inc. | D | D | B | $20.75 |
| HSBCHSBC Holdings PLC | C | D | B | $90.80 |
| AXAxos Financial, Inc. Common Stock | C | B | D | $87.81 |
| TFSLTFS Financial Corporation | F | D | B | $16.42 |
| EBCEastern Bankshares, Inc. Common Stock | C | B | C | $19.85 |
| BKUBankunited, Inc. | C | D | C | $47.14 |
| PFSProvident Financial Services, Inc. | B | C | B | $22.50 |
| CLBKColumbia Financial, Inc. Common Stock | F | D | B | $20.27 |
| CFFNCapitol Federal Financial, Inc. | C | D | B | $7.85 |
| HTBHomeTrust Bancshares, Inc. | C | B | C | $47.22 |
| NFBKNorthfield Bancorp, Inc. | C | D | C | $14.35 |
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.