Pricing Log in Create free account
Friday 6 November 2026 Export CZWI’s income statement to Excel — free account

Citizens Community Bancorp, Inc.

CZWI Financial Banks Regional

Citizens Community Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $98.8 million, down 0.95% from fiscal 2024.

Revenue
−2.75%
EPS
−66.7%
Free cash flow
+1,134.9%

Quarter to June 2026, against a year earlier

23.33 0.41 −1.73%
Market cap
$227.4M
P/E
17.8×
Fwd P/E
15.0×
Dividend yield
1.86%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.12
Sold, $m 0.10
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — 1 4 — — 2 — — —
Sell — — — — — 2 — — — — — —
Insider Ownership 17.03%

Capital & Financial Ratios $m

Size
Market Cap 227.41
Revenue ttm 99.00
Net income ttm 12.81
Free cash flow ttm 19.32
Net debt Q (121.76)
Valuation
P/E 17.81
Forward P/E 15.00
Price / sales 2.27
Forward P/S Powerpack
Price / FCF 11.64
Price / book 1.18
Financial health
Current ratio Q 0.96
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q −2.75% (below 0%: shrinking)
Operating income growth Q −69.43% (below 0%: shrinking)
EPS, this year +6.51%
EPS, next year A +46.30% (at or above 15%: strong)
Revenue, next year A −32.17% (below 0%: weak)
EPS, past 5 yrs +5.07%
EPS, next 5 yrs A +18.99% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 78.19%
10-year low 10-year high
P/S against its own 10 years 84.75%
10-year low 10-year high
P/B against its own 10 years 99.23%
10-year low 10-year high

Dividends raised 7 years running

Yield
1.86%
Annual rate
0.44
Payout ratio
33.2%
Growth, 2018–26
+10.2%/yr
  1. 0.20 ’18
  2. 0.20 ’19 +0
  3. 0.21 ’20 +5
  4. 0.23 ’21 +10
  5. 0.26 ’22 +13
  6. 0.29 ’23 +12
  7. 0.32 ’24 +10
  8. 0.36 ’25 +13
  9. 0.44 ’26 +21
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 37 50 119 122
Receivables — — — —
Inventory — — — —
Other — — — —
1,486 1,406 1,448 1,486
2023 2024 2025 Q'26
Payables 1,519 1,488 1,524 1,554
ST’ Debt — — — —
Other — — — —
1,519 1,488 1,524 1,554

Compound Annual Growth %

10y 5y 3y
Sales 11.71% 3.55% 7.36%
Cash Flow 19.85% (13.24%) (26.37%)
Earnings 19.16% 2.53% (6.71%)
Book Value 9.85% 3.20% 4.00%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.44 Actual 0.56

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.37 0.44 Beat by 0.07
Q1 FY26 0.36 0.39 Beat by 0.03
Q2 FY26 0.41 0.11 Miss by 0.30
Q3 FY26 0.44 0.56 Beat by 0.12
Q4 FY26 0.51 — Reports 25 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.39 0.11 — — —
’25 0.32 0.33 0.37 0.44 1.46
’24 0.39 0.35 0.32 0.27 1.34
’23 0.35 0.31 0.24 0.35 1.25
’22 0.45 0.41 0.38 0.45 1.69
’21 0.50 0.44 0.47 0.58 1.98
’20 0.23 0.28 0.31 0.32 1.14
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 25 25 — — —
’25 24 25 25 24 99
’24 26 24 25 24 100
’23 22 24 24 25 94
’22 18 19 20 22 80
’21 20 19 20 21 80
’20 21 21 20 21 83
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 4 8 — — —
’25 2 0 7 4 12
’24 9 5 4 3 20
’23 2 3 5 4 13
’22 9 8 4 9 29
’21 14 (3) 7 4 22
’20 9 1 6 8 24
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 3 6 — — —
’25 2 (1) 6 3 10
’24 9 5 3 2 20
’23 2 2 5 3 12
’22 8 7 3 7 26
’21 13 (4) 6 3 18
’20 9 0 5 7 22
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 24 27 62 75 83 80 80 94 100 99 99 +17.0% 67 74 77 (7.8%)
Gross margin, % 0.00 0.00 81.24 77.57 82.80 87.02 83.68 62.01 56.74 63.10 64.86 +63.1 pt
EBT 4 4 8 12 17 29 24 19 17 17 15 +18.2%
EBT margin, % 16.08 14.30 13.63 16.28 20.83 36.26 29.54 20.03 17.50 17.66 15.44 +1.6 pt
Net income 3 2 6 9 13 21 18 13 14 14 13 +21.1%
Per share, $
Per share, $ Revenue 4.58 4.99 5.65 6.78 7.43 7.45 7.60 9.03 9.72 9.98 10.27 +9.0%
Earnings 0.49 0.46 0.51 0.85 1.14 1.98 1.69 1.25 1.34 1.46 1.31 +12.9%
Cash flow 1.09 0.73 1.34 1.15 2.13 2.02 2.79 1.25 1.99 1.18 2.32 +0.9%
Capex 0.00 0.00 (0.32) (0.58) (0.20) (0.35) (0.34) (0.13) (0.08) (0.13) (0.32) n/m
Free cash flow 1.09 0.73 1.02 0.57 1.93 1.67 2.45 1.12 1.91 1.05 2.00 (0.4%)
Book value 12.40 13.61 12.63 13.55 14.38 15.94 15.91 16.56 17.46 18.99 19.85 +4.8%
Shares, m 5 5 11 11 11 11 11 10 10 10 10 +7.3%
Valuation, ×
Valuation, × P/E 18.95 16.69 17.87 14.38 9.55 6.92 7.01 9.24 12.25 12.21 17.81 12.5
P/S 2.48 2.35 1.93 1.80 1.46 1.85 1.56 1.28 1.68 1.79 2.27 1.8
P/B 1.06 0.92 0.86 0.90 0.76 0.86 0.74 0.70 0.93 0.94 1.18 0.9
EV/Sales 4.40 3.70 2.84 2.73 1.47 2.63 2.90 1.73 1.22 0.63 — 2.4
EV/FCF 159.78 54.16 15.69 32.40 5.64 11.75 9.00 13.88 6.24 6.02 — 31.5
Cash, $m
Cash, $m Operating cash flow 6 4 15 13 24 22 29 13 20 12 22 +8.3%
Capex (1) (4) (3) (6) (2) (4) (4) (1) (1) (1) (3) +3.5%
Free cash flow 6 4 11 6 22 18 26 12 20 10 19 +6.9%
Balance, $m
Balance, $m Working capital 24 40 37 43 57 (34) 10 (33) (83) (76) (68) n/m
Net debt 25 30 57 70 0 62 107 42 (45) (119) (122) n/m
Shareholders’ equity 65 73 138 151 161 171 167 173 179 188 191 +12.5%
Returns, %
Returns, % ROA 0.37 0.27 0.49 0.67 0.80 1.26 1.00 0.71 0.76 0.82 0.72 +0.5 pt
ROIC 0.00 0.00 2.71 3.47 6.71 7.76 5.38 5.48 8.14 15.78 13.73 +15.8 pt
ROE 3.97 3.41 4.05 6.55 8.18 12.83 10.51 7.67 7.80 7.86 6.84 +3.9 pt
People
People Employees 176 224 282 288 251 248 236 232 232 238 — +3.4%
Revenue/emp, $m 0.00 0.00 0.00 0.26 0.33 0.32 0.34 0.41 0.43 0.42 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 26 Oct 2026

Citizens Community Bancorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
CMTV Community Bancorp. $248.3M 14.3× — +8.55% (above 0%: growing) +16.67% (above 0%: growing) +17.48% (above 0%: growing) 73.88% 0.00% Compare
EFSI Eagle Financial Services Inc. $245.4M 13.2× 14.4× +10.87% (above 0%: growing) −6.12% (below 0%: shrinking) −435.67% (below 0%: shrinking) 77.54% 0.00% Compare
PEBK Peoples Bancorp of North Carolina, Inc. $236.0M 9.9× 11.8× +1.75% (above 0%: growing) +53.76% (above 0%: growing) +91.79% (above 0%: growing) 80.53% 0.00% Compare
CFBK CF Bankshares Inc. $234.1M 10.0× 9.6× −0.67% (below 0%: shrinking) +155.56% (above 0%: growing) +60.95% (above 0%: growing) 52.42% 0.00% Compare
CZWI Citizens Community Bancorp, Inc. $227.4M 17.8× 15.0× −2.75% (below 0%: shrinking) −66.67% (below 0%: shrinking) +1,134.94% (above 0%: growing) 65.38% 0.00%
OVBC Ohio Valley Banc Corp. $227.2M 16.1× 11.0× +11.63% (above 0%: growing) −30.34% (below 0%: shrinking) −91.53% (below 0%: shrinking) 69.70% 0.00% Compare
INBK First Internet Bancorp $225.1M 14.7× 11.6× +49.36% (above 0%: growing) n/m −20.56% (below 0%: shrinking) 49.24% 0.00% Compare
GBFH GBank Financial Holdings Inc. $224.3M 12.3× 12.8× +22.90% (above 0%: growing) +15.15% (above 0%: growing) +3,151.19% (above 0%: growing) 68.86% 0.00% Compare
OPBK OP Bancorp $220.6M 7.3× 7.4× +9.43% (above 0%: growing) +15.56% (above 0%: growing) −100.94% (below 0%: shrinking) 58.93% 0.00% Compare
Median of peers $230.6M 12.7× 11.6× +10.15% +15.56% −1.54% 69.28% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 29 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 791.73k 823.28k 158.00
2024 744.76k 848.11k 141.00

Ownership

Directors and executive officers, together 4.10%
Wellington Management Group LLP 7.20%
AllianceBernstein L.P. 5.60%
Manulife Financial Corporation 5.10%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Citizens Community Bancorp, Inc. (CZWI) Latest News

28 Oct

Impact 3 · · Simply Wall St.
Impact 3 · · Simply Wall St.
Impact 3 · · Simply Wall St.

26 Oct

Impact 3 · · Zacks
Impact 3 · · Zacks

27 Jul

Impact 3 ·

27 Apr

Impact 4 · · Zacks
Impact 3 · · GlobeNewswire

13 Feb

Impact 4 · · Zacks

1 Feb

Impact 3 · · Simply Wall St.

26 Jan

Impact 4 · · Zacks
Impact 3 · · GlobeNewswire

18 Jan

Impact 4 · · Simply Wall St.Zacks

26 Dec

Impact 4 · · Zacks

10 Dec

Impact 4 · · Zacks

8 Dec

Impact 3 ·

1 Dec

Impact 4 · · ZacksGuruFocus.comZacksSimply Wall St.ZacksZacksZacks

24 Nov

Impact 4 · · Zacks

6 Nov

Impact 4 · · Zacks

31 Oct

Impact 3 · · Simply Wall St.

30 Oct

Impact 3 · · Simply Wall St.

29 Oct

Impact 3 · · Simply Wall St.

27 Oct

Impact 3 · · Zacks
Impact 3 · · GlobeNewswire

22 Oct

Impact 3 · · Simply Wall St.

21 Oct

Impact 3 · · Simply Wall St.

17 Oct

Impact 3 · · Simply Wall St.

13 Oct

Impact 3 · · Simply Wall St.

2 Sep

Impact 3 ·

22 Aug

Impact 3 ·
stockrow.com/CZWI · Data as of Oct 26, 2026 · For information only; not investment advice. · © 2026 stockrow.com