Financial Services
Citizens Community Bancorp Inc.(CZWI)
Live Price
Offline$21.34
+0.42% today
1Y Change
+69.11%
Window
Jun 25, 2025 โ Jun 24, 2026
- Market Cap
- $200.00M
- Revenue Growth
- -9.4%
- EPS Growth
- +9.0%
- Dividend Yield
- 0.5%
Coverage: 251 bars ยท Jun 25, 2025 โ Jun 24, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Citizens Community Bancorp Inc. (CZWI) is a Financial Services stock with a market cap of $200.00M and listed on NASDAQ. The stock last traded around $21.34 and up 69.1% across the available one-year price window (Jun 25, 2025 โ Jun 24, 2026). Baseline metrics include revenue growth of -9.4%, EPS growth of +9.0%, a dividend yield of 0.5%. What stands out right now is revenue -9.4%, EPS +9.0%, free cash flow -46.2% with operating margin 7.7% and ROIC 0.3%. The dividend is present but secondary, with a yield around 0.5%. Valuation is more restrained than many high-expectation growth names at P/E 13.6 and price/sales 2.2. Overall, the current profile looks closer to a turnaround or cyclical reset than a generic broad-market placeholder. Stock Foundry combines CZWI price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Below sector median
-9.4% vs +3.4% peer median
Operating Margin
Above sector median
+7.7% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 27, 2026, but the surprise data is still limited.
The operating picture looks softer than before
Revenue is at -9.4% and EPS is at +9.0%, with operating margin around 7.7%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 0.5%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +1.3% over the next 5 trading days and finished higher after 3 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 27, 2026 | โ | +1.8% | +0.0% | -0.8% |
2026 Jan 26, 2026 | +18.9% | -0.1% | +2.6% | -0.9% |
2025 Oct 27, 2025 | +0.0% | -0.3% | +1.3% | +6.3% |
Benchmark Edge
CZWI vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
CZWI
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
CZWI Max Drawdown
-9.47%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for CZWI and SPY.
Company Overview
Citizens Community Bancorp Inc.
NASDAQ
Citizens Community Bancorp Inc. is a bank holding company that primarily operates through its subsidiary, Citizens Community Federal National Association. The company is focused on providing a comprehensive range of financial products and services to individuals and small to medium-sized businesses. With a regional footprint primarily in the upper Midwest of the United States, Citizens Community Bancorp plays a crucial role in serving community banking needs. It offers traditional banking products, including savings and checking accounts, mortgages, personal and business loans, and other financial services tailored to local customers. The bank emphasizes personalized customer service and community involvement, positioning itself as a vital partner in the economic development of the areas it serves. Citizens Community Bancorp Inc. is significant in the financial markets as it represents the interconnectedness of regional economies with the broader U.S. banking industry, highlighting the importance of community banking institutions in fostering local growth and financial stability.
- Leadership
- Mr. Stephen M. Bianchi
- Employees
- 217
- Street Address
- 2174 EastRidge Center, PO Box 218
- Mailing
- Eau Claire, WI, 54701
- Region
- Eau Claire, WI, United States
- Last Updated
- May 11, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 13.6
- EV/EBITDA
- 12.2
- Price/Sales
- 2.2
- Price/Book
- 1.1
Growth
- Revenue
- -9.4%
- EPS
- +9.0%
- Free Cash Flow
- -46.2%
Profitability
- Gross Margin
- 55.1%
- Operating Margin
- 7.7%
- Net Margin
- 16.5%
- ROE
- 8.0%
- ROIC
- 0.3%
Balance Sheet
- Debt/Equity
- 0.27
- Current Ratio
- โ
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.