Citizens Community Bancorp Inc (CZWI)

Citizens Community Bancorp, Inc. is a bank holding company for Citizens Community Federal N.A. and its common stock trades on NASDAQ under the ticker CZWI. Through its banking subsidiary, the company provides traditional community banking services to businesses, agricultural operators, and consumers in the United States, with operations in Wisconsin and Minnesota and some international activity. Its deposit offerings include demand deposits, savings and money market accounts, and certificates of deposit. The lending portfolio covers commercial real estate, commercial and industrial, agricultural real estate, agricultural operating, and consumer loans, along with one- to-four family residential mortgages and home equity lines of credit. Citizens Community Bancorp also maintains an investment portfolio that includes mortgage-backed and asset-backed securities, U.S. government-sponsored agency securities, and corporate debt securities. Founded in 1938, the company is headquartered in Eau Claire, Wisconsin.


Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-CZWI
$27.45
17.2% Upside
Fair
$24
2.4% Upside
Fair
Fair
0.42
1.8%
July 27, 2026
15.1x
1.2x
3.7x
224.8 M
19.0%
86.6%
-1.6
6.7%
82.0%
Valuation • Fair Value

Citizens Community Bancorp Inc (NASDAQ-CZWI) Fair Value by Valuation Model

Compare the primary fair value estimate for Citizens Community Bancorp Inc (NASDAQ-CZWI) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$27.45

Estimated upside of 17.2% versus the current market price.

Fair Value Confidence

High

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$17.23

Classic Ben Graham valuation formula reference.

DDM Fair Value

$40.64

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$18.66

Comparable-company valuation reference.

Analyst Price Target

$24

Analysts imply upside of 2.4%.

How to read these valuation models

Use this section to compare the primary fair value estimate for Citizens Community Bancorp Inc (NASDAQ-CZWI) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for Citizens Community Bancorp Inc (NASDAQ-CZWI)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

61.299 M

Current operating scale indicator.

Revenue Forecast

67.9 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review Citizens Community Bancorp Inc (NASDAQ-CZWI) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Citizens Community Bancorp Inc (NASDAQ-CZWI)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

7

Relatively strong quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-1.6

Lower score that deserves closer risk review.

FCF / Net Income

82.0%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Citizens Community Bancorp Inc (NASDAQ-CZWI). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Citizens Community Bancorp Inc (NASDAQ-CZWI)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 27, 2026

Days to Earnings

6

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

1.8%

Income yield reference.

Upcoming Dividend

0.42

Upcoming distribution amount.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

6.7%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Citizens Community Bancorp Inc (NASDAQ-CZWI), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Citizens Community Bancorp Inc (NASDAQ-CZWI) Stock Forecast & Technical Outlook

Review Citizens Community Bancorp Inc (NASDAQ-CZWI) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Buy

The 15-minute technical read for Citizens Community Bancorp Inc (NASDAQ-CZWI) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Buy

The 1-hour technical read for Citizens Community Bancorp Inc (NASDAQ-CZWI) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for Citizens Community Bancorp Inc (NASDAQ-CZWI) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Citizens Community Bancorp Inc (NASDAQ-CZWI) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Citizens Community Bancorp Inc (NASDAQ-CZWI) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Citizens Community Bancorp Inc (NASDAQ-CZWI)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Buy

Based on the available recommendation mix, Citizens Community Bancorp Inc (NASDAQ-CZWI) has a Buy consensus, with 1 buy, 1 hold and 0 sell recommendations in the current data set.

Buy 1
Hold 1
Sell 0
FAQ Fast Investor Answers

Citizens Community Bancorp Inc (NASDAQ-CZWI) Stock FAQ

Quick answers about Citizens Community Bancorp Inc (NASDAQ-CZWI) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$27.45
Estimated upside 17.2%
Valuation Rating
Undervalued
Estimated upside of 17.2%
Analyst Target
$24
Implied upside 2.4%
Financial Health
Fair
Current financial-health read

The current fair value estimate for Citizens Community Bancorp Inc (NASDAQ-CZWI) is $27.45. This implies an estimated upside of 17.2% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 17.2% versus the current market price.

The available analyst price target for Citizens Community Bancorp Inc (NASDAQ-CZWI) is $24. The analyst target implies estimated upside of 2.4%.

The current financial health read for Citizens Community Bancorp Inc (NASDAQ-CZWI) is Fair. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Citizens Community Bancorp Inc (NASDAQ-CZWI) is July 27, 2026.

Based on the current data, dividend yield is 1.8%, upcoming dividend amount is 0.42.

The current P/E ratio listed for Citizens Community Bancorp Inc (NASDAQ-CZWI) is 15.1x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Citizens Community Bancorp Inc is 224.8 M.

The ticker symbol for Citizens Community Bancorp Inc is NASDAQ-CZWI, and the stock is listed on NASDAQ.

Citizens Community Bancorp Inc (NASDAQ-CZWI) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for Citizens Community Bancorp Inc is 19.0%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Citizens Community Bancorp Inc is 86.6%. Free float helps investors understand how much of the share base is available for public trading.