Citizens Community Bancorp, Inc. (CZWI) Stock Price

CZWIStock

$20.85+28.18%52W

Market Cap$201.21M

P/E13.85x

PEG Ratio2.67

Div yield2.70%

Beta0.52

CZWI Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)2.36%

Price vs S&P 500 (4W)-5.48%

PEG Ratio2.67

VGM Score41.36

P/E Ratio (Annual)13.85x

Indicated Dividend Yield (Annual)2.70%

P/CF (Annual)17.08x

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)5.21%

Net Profit Margin (TTM)22.78%

EPS (TTM)$1.53

10-Day Avg Trading Volume0.04M

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)13.34x

Revenue Growth QoQ (YoY)21.23%

EPS Growth (5Y)4.99%

P/E Normalized (Annual)13.85x

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 Volume0.06M

52-Week Price Return28.18%

EV / Free Cash Flow (Annual)24.23x

P/E Incl Extra (TTM)13.34x

Tangible BV / Share (Quarterly)$19.43

P/S Ratio (Annual)1.68x

52-Week High$24.43

EPS Excl Extra (Annual)$1.46

CapEx CAGR (5Y)-12.60%

Tangible BV CAGR (5Y)3.91%

26-Week Price Return13.60%

13-Week Price Return2.30%

Total Debt / Equity (Annual)0.28x

Enterprise Value$251.60M

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 Dev35.63%

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)15.48x

EV / Free Cash Flow (TTM)20.50x

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/E10.91x

Free OCF CAGR (5Y)-13.32%

Price vs S&P 500 (52W)9.87%

P/E Ratio (TTM)13.34x

EPS Growth TTM (YoY)18.71%

Year-to-Date Return17.17%

5-Day Price Return-1.37%

EPS Normalized (Annual)$1.46

ROA (5Y Avg)0.90%

Net Profit Margin (Annual)26.59%

Month-to-Date Return-5.09%

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)14.21x

ROI (5Y Avg)6.77%

P/E Excl Extra (TTM)13.34x

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)-0.49%

Dividend Yield (TTM)0.51%

Beta0.52x

P/FCF (Annual)19.24x

Revenue / Share (TTM)$5.89

ROE (TTM)8.00%

52-Week Low$14.61

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CZWI Earnings Surprise History

Q2 250.33est. 0.29

Q3 250.37est. 0.37

Q4 250.44est. 0.40

Q1 260.39est. 0.36

Q2 260.11est. 0.41

CZWI Analyst Recommendations

May 2026

Jun 2026

Jul 2026

Aug 2026

4.13

Industry Peers — Savings Institutions(37)

Symbol	Value Score	Growth Score	Momentum Score	Price
CZWICitizens Community Bancorp, Inc.	C	D	C	$20.85
HSBCHSBC Holdings PLC	B	C	B	$104.38
AXAxos Financial, Inc. Common Stock	C	B	C	$98.82
EBCEastern Bankshares, Inc. Common Stock	D	B	C	$22.36
TFSLTFS Financial Corporation	F	D	B	$17.79
BKUBankunited, Inc.	B	D	D	$46.32
PFSProvident Financial Services, Inc.	B	C	D	$23.46
CLBKColumbia Financial, Inc. Common Stock	F	F	A	$11.65
CFFNCapitol Federal Financial, Inc.	C	D	C	$8.54
HTBHomeTrust Bancshares, Inc.	C	B	D	$46.61
KRNYKearny Financial Corporation	C	D	A	$9.89
NFBKNorthfield Bancorp, Inc.	C	D	C	$15.31
NRIMNorthrim BanCorp Inc	B	D	D	$25.55
PDLBPonce Financial Group, Inc. Common Stock	C	A	B	$20.20
FMAOFarmers & Merchants Bancorp, Inc.	C	B	B	$33.68
WSBFWaterstone Financial, Inc.	B	D	B	$21.03
FNRNFirst Northern Community Bancorp Common stock	D	D	B	$17.44
WNEBWestern New England Bancorp, Inc.	C	D	D	$13.78
FCAPFirst Capital Inc	C	B	B	$62.04
FNWDFinward Bancorp Common Stock	C	C	B	$43.06
BVFLBV Financial, Inc. Common Stock	C	C	C	$21.34
BCBPBCB Bancorp Inc (NJ)	B	C	F	$8.66
LSBKLake Shore Bancorp, Inc.	D	D	B	$17.24
FGBIFIRST GUARANTY BANCSHARES INC	B	C	F	$8.13
MGYRMagyar Bancorp, Inc.	B	B	C	$19.50
SFBCSound Financial Bancorp, Inc.	D	D	C	$47.11
PROVProvident Financial Hldgs	C	D	C	$18.30
BYFCBroadway Financial Corp/Del	D	F	A	$11.88
RVSBRiverview Bancorp Inc	C	D	D	$5.17
FDSBFifth District Bancorp, Inc. Common Stock	D	A	A	$18.18
CPBICentral Plains Bancshares, Inc. Common Stock	D	F	A	$21.00
HFBLHome Federal Bancorp, Inc. of Louisiana	B	C	B	$26.83
FSEAFirst Seacoast Bancorp, Inc. Common Stock	F	D	D	$17.11
CLSTCatalyst Bancorp, Inc. Common Stock	D	D	C	$17.37
NSTSNSTS Bancorp, Inc. Common Stock	B	A	C	$14.00
KFFBKentucky First Federal Bancorp	D	A	A	$5.83
IROQIF Bancorp, Inc.	D	D	F	$0.00
SIFIHarbor Ares Systematic Multi-Sector Income ETF	—	—	D	$43.55

About Citizens Community Bancorp, Inc.

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.