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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. In the quarter to June 2026, revenue fell 2.75%, EPS fell 66.7% and free cash flow grew 1,134.9%, each against the same quarter a year earlier. Insiders bought in the last twelve months.

21.23 0.12 +0.57%
Market cap
$203.7M
P/E
16.2×
Fwd P/E
11.4×
Dividend yield
1.48%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.12
Total sells 0.10
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — 1 4 — — 2 — —
Sell — — — — — — 2 — — — — —
Insider Ownership 16.41%

Capital & Financial Ratios $m

Market Cap 203.71
Revenue 99.00
Net Income 12.81
Free Cash Flow 19.32
Net Debt (121.76)
Current Ratio 0.96
Debt/Equity 0.00
P/E ratio 16.21
Fwd P/E 11.40
P/S ratio 2.07
P/B ratio 1.07
Past 5Y EPS Growth 5.07%
This Y EPS Growth (2.40%) (below 0%: weak)
Next Y EPS Growth 52.28% (at or above 15%: strong)
Next Y revenue growth (32.67%) (below 0%: weak)
Next 5Y EPS Growth 14.94%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 65.43%
10-year low 10-year high
P/S against its own 10 years 75.93%
10-year low 10-year high
P/B against its own 10 years 88.50%
10-year low 10-year high

Dividends

Payout Ratio 0.24
Annual Dividend Rate 0.32
Annual Dividend Yield 1.48%
total individual payouts
2027 Powerpack
2026 0.42
0.11
0.11
0.11
2025 0.36
0.36
2024 0.32
0.32
2023 0.29
0.29
2022 0.26
0.26
2021 0.23
0.23
2020 0.21
0.21
2019 0.20
0.20
2018 0.20
0.20
2017 0.16
0.16
2016 0.12
0.12
predictions special payouts not included in total or ratios

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%

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.

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.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 8.80 12.05 10.50 10.52 5.26 10.42 11.35 7.61 10.14 12.69

Analyst estimates 2026–2028

Powerpack
High 12.55 14.43 14.25 12.75 12.41 14.81 16.49 13.04 17.04 18.74
People
People Employees 176 224 282 288 251 248 236 232 232 238
Revenue/emp, $m 0.00 0.00 0.00 0.26 0.33 0.32 0.34 0.41 0.43 0.42
Income, $m
Income, $m Revenue 24 27 62 75 83 80 80 94 100 99
Gross margin, % 0.00 0.00 81.24 77.57 82.80 87.02 83.68 62.01 56.74 63.10
EBT 4 4 8 12 17 29 24 19 17 17
EBT margin, % 16.08 14.30 13.63 16.28 20.83 36.26 29.54 20.03 17.50 17.66
Net income 3 2 6 9 13 21 18 13 14 14
Depreciation 2 2 5 6 7 5 5 4 4 3
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
Earnings 0.49 0.46 0.51 0.85 1.14 1.98 1.69 1.25 1.34 1.46
Cash flow 1.09 0.73 1.34 1.15 2.13 2.02 2.79 1.25 1.99 1.18
Capex 0.00 0.00 (0.32) (0.58) (0.20) (0.35) (0.34) (0.13) (0.08) (0.13)
Free cash flow 1.09 0.73 1.02 0.57 1.93 1.67 2.45 1.12 1.91 1.05
Book value 12.40 13.61 12.63 13.55 14.38 15.94 15.91 16.56 17.46 18.99
Shares, m 5 5 11 11 11 11 11 10 10 10
Valuation, ×
Valuation, × P/E 18.95 16.69 17.87 14.38 9.55 6.92 7.01 9.24 12.25 12.21
P/S 2.48 2.35 1.93 1.80 1.46 1.85 1.56 1.28 1.68 1.79
P/B 1.06 0.92 0.86 0.90 0.76 0.86 0.74 0.70 0.93 0.94
EV/Sales 4.40 3.70 2.84 2.73 1.47 2.63 2.90 1.73 1.22 0.63
EV/FCF 159.78 54.16 15.69 32.40 5.64 11.75 9.00 13.88 6.24 6.02
Cash, $m
Cash, $m Operating cash flow 6 4 15 13 24 22 29 13 20 12
Capex (1) (4) (3) (6) (2) (4) (4) (1) (1) (1)
Free cash flow 6 4 11 6 22 18 26 12 20 10
Balance, $m
Balance, $m Working capital 24 40 37 43 57 (34) 10 (33) (83) (76)
Total debt 25 30 110 131 123 112 143 80 5 —
Net debt 25 30 57 70 0 62 107 42 (45) (119)
Shareholders’ equity 65 73 138 151 161 171 167 173 179 188
Returns, %
Returns, % ROA 0.37 0.27 0.49 0.67 0.80 1.26 1.00 0.71 0.76 0.82
ROIC 0.00 0.00 2.71 3.47 6.71 7.76 5.38 5.48 8.14 15.78
ROE 3.97 3.41 4.05 6.55 8.18 12.83 10.51 7.67 7.80 7.86
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 28 Sep 2026

Charts ten years each

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
OPBK OP Bancorp $221.8M 7.6× 7.5× +5.31% (above 0%: growing) +28.57% (above 0%: growing) +3.10% (above 0%: growing) 58.66% 0.00% Compare
MRBK Meridian Bank $219.6M 9.9× 9.5× −3.50% (below 0%: shrinking) −2.00% (below 0%: shrinking) +88.96% (above 0%: growing) 64.49% 0.00% Compare
CFBK CF Bankshares Inc. $217.9M 11.5× 8.1× −0.68% (below 0%: shrinking) +18.18% (above 0%: growing) −35.84% (below 0%: shrinking) 52.15% 0.00% Compare
OVBC Ohio Valley Banc Corp. $217.2M 15.3× 11.0× +11.63% (above 0%: growing) −30.34% (below 0%: shrinking) −91.53% (below 0%: shrinking) 69.70% 0.00% Compare
FCAP First Capital, Inc. $206.0M 11.1× — (loss-making) +11.02% (above 0%: growing) +26.55% (above 0%: growing) +2.66% (above 0%: growing) 80.17% 0.00% Compare
CZWI Citizens Community Bancorp, Inc. $203.7M 16.2× 11.4× −2.75% (below 0%: shrinking) −66.67% (below 0%: shrinking) +1,134.94% (above 0%: growing) 65.38% 0.00%
RBKB Rhinebeck Bancorp, Inc. $200.9M 17.9× — +2.17% (above 0%: growing) −5.03% (below 0%: shrinking) +145.41% (above 0%: growing) 71.31% 0.00% Compare
CBFV CB Financial Services, Inc. $194.0M 26.3× 11.5× +11.11% (above 0%: growing) +7.59% (above 0%: growing) +89.91% (above 0%: growing) 70.87% 0.00% Compare
LARK Landmark Bancorp Inc. $192.5M 9.5× 5.6× +2.62% (above 0%: growing) +21.58% (above 0%: growing) +828.81% (above 0%: growing) 78.76% 0.00% Compare
Median of peers $211.6M 11.3× 8.8× +3.97% +12.89% +46.03% 70.29% 0.00%

All 323 Banks Regional stocks →

Citizens Community Bancorp, Inc. (CZWI) key facts

  • Concern: Citizens Community Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $98.8 million, down 0.95% from fiscal 2024.
  • Citizens Community Bancorp, Inc. (CZWI) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, CZWI traded at $21.23, a market capitalization of $203.7 million.
  • Citizens Community Bancorp, Inc. pays an annual dividend of $0.32 per share, a yield of 1.48%, with a payout ratio of 24.1%.
  • Return on equity was 7.86% and debt-to-equity 0.00.
  • Its Piotroski F-score is 8 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations · fundamentals updated Sep 28, 2026.

Citizens Community Bancorp, Inc. (CZWI) Latest News

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stockrow.com/CZWI · Data as of Sep 28, 2026 · For information only; not investment advice. · © 2026 stockrow.com