VCP ScannerFree US Stock Screener & Financial AnalysisFree US Stock Screener
ScreenerThemes
DCF ValuationCalculate intrinsic value of US stocks
Market ValuationBuffett indicator, CAPE & macro gauges
Total ReturnSee dividends + price return history
DCA CalculatorSimulate recurring buys & compounding
Earnings
FAANG & Tech
AAPL vs MSFTNVDA vs AMDGOOGL vs META
Cloud & Cyber
CRM vs NOWCRWD vs PANWSNOW vs DDOG
Consumer & Auto
TSLA vs FAMZN vs WMTNFLX vs DIS
Finance & Crypto
JPM vs BACV vs MACOIN vs MSTR
Pharma & Energy
LLY vs NVOJNJ vs PFEXOM vs CVX
Compare Any Stocks...
WatchlistInsider
ScreenerThemes
Earnings
WatchlistInsider
CZWI
← Back to Screener
VCP ScannerFree US Stock Screener & Financial Analysis

Find stocks. Verify deeply. Act with conviction.

Data updated daily

Product

  • Screener
  • Themes
  • Valuation
  • Total Return
  • DCA Calculator
  • News
  • Earnings

Resources

  • Market Valuation
  • Compare
  • Insider Activity
  • Methodology
  • How It Works
  • Glossary
  • Learn

Get Ideas

Get weekly stock ideas — free

© 2026 VCP Scanner
AboutPrivacyTerms
Not financial advice. Do your own research.
ScreenerNewsCompareWatchlist
CZWICitizens Community Bancorp, Inc.
$23.29$225M
Overview & Verdict
Overview
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice HistoryTechnical Analysis
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Ownership
Holders

CZWI logoCitizens Community Bancorp, Inc.(CZWI)Earnings, Financials & Key Ratios

CZWI•NASDAQ•Banking & Credit
$23.29
16.0× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommunity and retail regional banks
AboutCitizens 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.Show more
  • Net Interest Income$51M+10.1%
  • Total Revenue$90M-9.4%
  • Net Income$14M+4.9%
  • Return on Equity7.86%+0.7%
  • Net Interest Margin2.87%+8.1%
  • Efficiency Ratio47.67%+12.8%
  • ROA0.82%+6.9%
  • Equity / Assets10.55%+3.0%
  • Book Value per Share19.36+10.3%

CZWI Price & Volume

Citizens Community Bancorp, Inc. (CZWI) stock price & volume — 10-year historical chart

Loading chart...

Persistent Margin Compression Challenges Regional Bank Stability

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Mixed
Profitability:Strained
Financial:Healthy
Cash Flow:Stable
Primary Risk:Agricultural credit cycle exposure

Key Thesis Takeaways

  • Citizens Community Bancorp faces a challenging outlook characterized by persistent net interest margin compression at 0.7% and a shift toward conservative provisioning, which may signal underlying credit stress in its agricultural loan portfolio.
  • While the bank maintains a stable equity-to-assets ratio of 0.10, the reliance on securities liquidation to support liquidity suggests limited organic growth capacity.
  • Investors should monitor whether the 12.2% year-over-year growth in net interest income can offset the ongoing operational sensitivity to regional economic fluctuations.

Verdict Logic

while the bank maintains a stable equity-to-assets ratio of 0.10, the current 16.12 P/E TTM and persistent 0.7% net interest margin suggest limited upside potential in the near term.

CZWI Growth Metrics

Citizens Community Bancorp, Inc. (CZWI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years12.84%
5 Years1.73%
3 Years3.94%
TTM-

Profit CAGR

10 Years17.78%
5 Years2.53%
3 Years-6.71%
TTM16.47%

EPS CAGR

10 Years11.31%
5 Years5.07%
3 Years-4.76%
TTM21.43%

Return on Capital

10 Years6.85%
5 Years7.76%
3 Years5.62%
Last Year2.46%

CZWI Recent Earnings

Citizens Community Bancorp, Inc. (CZWI) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 7/12 qtrs (78%)●Beat Revenue 4/12 qtrs (44%)
Q2 2026Latest
Apr 27, 2026
Metric
Actual
Est
EPS
$0.39+8.3%
$0.36
Rev
$16M+2.6%
$16M
Q2 2026
Mar 5, 2026
Metric
Actual
Est
EPS
$0.44
—
Rev
$16M
—
Q1 2026
Jan 26, 2026
Metric
Actual
Est
EPS
$0.44+18.9%
$0.37
Rev
$16M-4.6%
$16M
Q4 2025
Oct 27, 2025
Metric
Actual
Est
EPS
$0.37+0.0%
$0.37
Rev
$16M-0.4%
$16M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 27, 2026
$0.39vs $0.36+8.3%
$16Mvs $16M+2.6%
Q2 2026Mar 5, 2026
$0.44
$16M
Q1 2026Jan 26, 2026
$0.44vs $0.37+18.9%
$16Mvs $16M-4.6%
Q4 2025Oct 27, 2025
$0.37vs $0.37+0.0%
$16Mvs $16M-0.4%
Based on last 12 quarters of dataView full earnings history →

Latest CZWI News

Recent stock market news and headlines for Citizens Community Bancorp, Inc. (CZWI)

Zacks Investment Research·6 days ago
Citizens Community Bancorp (CZWI) is on the Move, Here's Why the Trend Could be Sustainable

Citizens Community Bancorp (CZWI) could be a great choice for investors looking to make a profit from fundamentally strong stocks that are currently on the move. It is one of the several stocks that made it through our "Recent Price Strength" screen.

Peers Comparison

Key metrics vs top competitors for Citizens Community Bancorp, Inc. (CZWI)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
CZWI logoCZWICitizens Community Bancorp, Inc.Current
$23.29$224.61M15.95-9.41%16.01%7.86%1.59%
BWFG logoBWFGBankwell Financial Group, Inc.
$57.40$457.66M12.906.13%18.69%13.31%—
HONE logoHONEHarborOne Bancorp, Inc.
$12.10$522.22M18.3310.7%8.56%4.56%—
NECB logoNECBNortheast Community Bancorp, Inc.
$26.75$370.06M8.23-1.55%28.51%12.62%—
LKFN logoLKFNLakeland Financial Corporation
$61.57$1.53B15.35-1.93%25.81%14.79%—
KRNY logoKRNYKearny Financial Corp.
$9.31$585.91M22.175.09%10.39%4.75%—

Compare CZWI vs Peers

Citizens Community Bancorp, Inc. (CZWI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs BWFG

Most directly comparable listed peer for CZWI.

Scale Benchmark

vs FIS

Larger-name benchmark to compare CZWI against a more recognizable public peer.

Peer Set

Compare Top 5

vs BWFG, HONE, NECB, LKFN

CZWI SEC Filings & Documents

Citizens Community Bancorp, Inc. (CZWI) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Jun 17, 2026·SEC

Material company update

Apr 27, 2026·SEC

Material company update

Apr 16, 2026·SEC

10-K Annual Reports

4
FY 2026

Mar 5, 2026·SEC

FY 2025

Mar 13, 2025·SEC

FY 2024

Mar 5, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 6, 2026·SEC

FY 2025

Nov 4, 2025·SEC

FY 2025

Aug 7, 2025·SEC

Get notified when CZWI posts new earnings or crosses analyst targets

Free. No account needed. Unsubscribe any time.

Free. Unsubscribe any time.

CZWI Frequently Asked Questions

Citizens Community Bancorp, Inc. (CZWI) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Citizens Community Bancorp, Inc. growing?

Citizens Community Bancorp, Inc. (CZWI) saw revenue decline by 9.4% over the past year.

Is CZWI profitable?

Yes, Citizens Community Bancorp, Inc. (CZWI) is profitable, generating $15.0M in net income for fiscal year 2025 (16.0% net margin).

Dividend & Returns
Does CZWI pay dividends?

Yes, Citizens Community Bancorp, Inc. (CZWI) pays a dividend with a yield of 1.59%. This makes it attractive for income-focused investors.

What is CZWI's return on equity?

Citizens Community Bancorp, Inc. (CZWI) has a return on equity (ROE) of 7.9%. This is below average, suggesting room for improvement.

Industry Metrics
What is Citizens Community Bancorp, Inc.'s net interest margin?

Citizens Community Bancorp, Inc. (CZWI) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.

What is Citizens Community Bancorp, Inc.'s efficiency ratio?

Citizens Community Bancorp, Inc. (CZWI) has an efficiency ratio of 47.7%. This is excellent, indicating strong cost control.

What if you invested $1,000 in CZWI back in 2003?

Total return calculator · dividends reinvested · 23+ years of data

See returns →