A Business at a Glance
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Citizens Community Bancorp Inc.
CZWI
$233M
Mkt Cap
$23.56
+2.52%
Citizens Community Bancorp Inc. (CZWI) has a current P/E ratio of 18.3, compared to its historical median P/E of 12.0. The stock is currently considered Expensive based on its historical valuation range.
Citizens Community Bancorp Inc. (CZWI) has a 5-year average return on invested capital (ROIC) of 9.1%. This is below average and may indicate limited pricing power.
Citizens Community Bancorp Inc. (CZWI) has a market capitalization of $227M. It is classified as a small-cap stock.
Yes, Citizens Community Bancorp Inc. (CZWI) pays a dividend with a trailing twelve-month yield of 0.45%. The company also returns capital through share buybacks, with a buyback yield of 2.67%.
Based on historical P/E analysis, Citizens Community Bancorp Inc. (CZWI) appears expensive. The current P/E of 18.3 is 53% above its historical median of 12.0. The estimated fair value CAGR (P/E method) is 8.9%.
Citizens Community Bancorp Inc. (CZWI) operates in the Savings Institution, Federally Chartered industry, within the Financials sector.
ITEM 1. BUSINESS Citizens Community Bancorp, Inc. (the “Company”) is a Maryland corporation organized in 2004. The Company is a bank holding company and is subject to regulation by the Office of the Comptroller of the Currency (“OCC”) and by the Federal Reserve Bank. Our primary activities consist of holding the stock of our wholly-owned subsidiary bank, Citizens Community Federal N.A. (the “Bank”), and providing commercial, agricultural and consumer banking activities through the Bank. At December 31, 2025, we had approximately $1.782 billion in total assets, $1.524 billion in deposits, and $187.9 million in equity. Citizens Community Federal N.A. The Bank is a federally chartered National Bank serving customers in Wisconsin and Minnesota through 21 full-service branch locations. Its primary markets include the Chippewa Valley Region in Wisconsin, the Twin Cities and Mankato markets in Minnesota, and various rural communities around these areas.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 64M | 99M | 100M | 94M | 80M | 80M |
| Net Income | 15M | 14M | 14M | 13M | 18M | 21M |
| EPS | $1.53 | $1.46 | $1.34 | $1.25 | $1.69 | $1.98 |
| Free Cash Flow | 12M | 10M | 20M | 12M | 26M | 18M |
| ROIC | 6.2% | 5.9% | 6.6% | 7.7% | 10.5% | 14.6% |
| Gross Margin | - | 64.5% | 58.7% | 72.2% | 81.8% | 87.0% |
| Debt/Equity | 0.27 | 0.30 | 0.82 | 1.25 | 0.94 | 0.72 |
| Dividends/Share | $0.10 | $0.36 | $0.32 | $0.29 | $0.26 | $0.23 |
| Operating Income | 1.1M | 993K | 1.1M | 1.2M | 936K | 1.1M |
| Operating Margin | 1.8% | 1.0% | 1.1% | 1.2% | 1.2% | 1.4% |
| ROE | 7.8% | 7.9% | 7.8% | 7.7% | 10.5% | 12.8% |
| Shares Outstanding | 10M | 10M | 10M | 10M | 11M | 11M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 27M | 27M | 29M | 33M | 46M | 75M | 83M | 80M | 80M | 94M | 100M | 99M | 64M |
| Gross Margin | 77.5% | 81.1% | 82.5% | 81.8% | 78.6% | 72.9% | 73.5% | 87.0% | 81.8% | 72.2% | 58.7% | 64.5% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 9.1M | 8.7M | 9.9M | 11M | 15M | 20M | 22M | 23M | 22M | 21M | 23M | 24M | 24M |
| EBIT | 794K | 847K | 929K | 509K | 748K | 1.3M | 1.2M | 1.1M | 936K | 1.2M | 1.1M | 993K | 1.1M |
| Op. Margin | 2.9% | 3.1% | 3.2% | 1.6% | 1.6% | 1.7% | 1.5% | 1.4% | 1.2% | 1.2% | 1.1% | 1.0% | 1.8% |
| Net Income | 2.5M | 2.8M | 2.6M | 2.5M | 4.3M | 9.5M | 13M | 21M | 18M | 13M | 14M | 14M | 15M |
| Net Margin | 9.1% | 10.4% | 8.9% | 7.7% | 9.3% | 12.6% | 15.3% | 26.6% | 22.2% | 13.8% | 13.8% | 14.6% | 23.3% |
| Non-Recurring | 78K | 0 | 0 | -32K | -535K | 125K | 259K | 199K | 395K | -62K | -294K | -33K | -33K |
| Returns on Capital | |||||||||||||
| ROIC | 4.5% | 4.7% | 2.6% | 1.5% | 2.0% | 5.0% | 9.4% | 14.6% | 10.5% | 7.7% | 6.6% | 5.9% | 6.2% |
| ROE | 4.5% | 4.7% | 4.1% | 3.6% | 4.0% | 6.6% | 8.2% | 12.8% | 10.5% | 7.7% | 7.8% | 7.9% | 7.8% |
| ROA | 0.4% | 0.5% | 0.4% | 0.3% | 0.4% | 0.7% | 0.8% | 1.3% | 1.0% | 0.7% | 0.8% | 0.8% | 0.8% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 7.8M | 5.8M | 5.7M | 1.9M | 11M | 13M | 24M | 22M | 29M | 13M | 20M | 12M | 14M |
| Free Cash Flow | 7.4M | 5.4M | 4.7M | 1.3M | 7.9M | 6.1M | 21M | 18M | 26M | 12M | 20M | 10M | 12M |
| Owner Earnings | 6.6M | 4.3M | 4.5M | 799K | 9.1M | 9.7M | 20M | 18M | 25M | 9.9M | 17M | 8.9M | -2.5M |
| CapEx | 485K | 331K | 961K | 609K | 3.0M | 6.8M | 2.6M | 3.8M | 3.6M | 1.4M | 889K | 1.3M | 1.8M |
| Maint. CapEx | 1.2M | 1.4M | 1.2M | 1.1M | 1.7M | 3.1M | 3.6M | 3.9M | 3.8M | 3.1M | 2.9M | 2.6M | 17M |
| Growth CapEx | 0 | 0 | 0 | 0 | 1.3M | 3.7M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| D&A | 1.2M | 1.4M | 1.2M | 1.1M | 1.7M | 3.1M | 3.6M | 3.9M | 3.8M | 3.1M | 2.9M | 2.6M | 17M |
| CapEx/OCF | 6.2% | 5.7% | 16.9% | 31.8% | 27.2% | 52.8% | 10.8% | 17.5% | 12.3% | 10.4% | 4.4% | N/A | 12.7% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 207K | 418K | 629K | 842K | 1.2M | 2.2M | 2.4M | 2.5M | 2.7M | 3.0M | 3.3M | 3.6M | 1.0M |
| Dividend Yield | 0.3% | 0.5% | 0.7% | 0.7% | 0.7% | 2.0% | 2.9% | 2.0% | 2.1% | 3.0% | 2.6% | N/A | 0.4% |
| Share Buybacks | 0 | 0 | 0 | 16K | 1K | 0 | 2.8M | 8.0M | 1.8M | 421K | 6.1M | 6.1M | 6.1M |
| Buyback Yield | N/A | N/A | N/A | 0.0% | 0.0% | N/A | 2.6% | 5.9% | 1.6% | 0.4% | 3.7% | 0.0% | 2.7% |
| Stock-Based Comp | 43K | 59K | 33K | 31K | 33K | 53K | 27K | 30K | 150K | 129K | 631K | 146K | -33K |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | N/A | N/A | 60M | -17M | -105M | -82M | -183M | -127M | -44M | 180M | 97M | -62M | -97M |
| Cash & Equiv. | 11M | 24M | 10M | 42M | 46M | 56M | 119M | 48M | 35M | 37M | 50M | 119M | 149M |
| Long-Term Debt | N/A | N/A | 70M | 120M | 88M | 1.0M | -41M | 0 | N/A | N/A | 67M | 52M | 52M |
| Debt/Equity | 8.82 | 8.44 | 1.09 | 1.64 | 0.63 | 1.02 | 0.50 | 0.72 | 0.94 | 1.25 | 0.82 | 0.30 | 0.27 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 563.5 |
| Equity | 58M | 61M | 65M | 73M | 138M | 151M | 161M | 171M | 167M | 173M | 179M | 188M | 191M |
| Total Assets | 570M | 580M | 696M | 941M | 1.3B | 1.5B | 1.6B | 1.7B | 1.8B | 1.9B | 1.7B | 1.8B | 1.8B |
| Total Liabilities | 512M | 519M | 631M | 867M | 1.1B | 1.4B | 1.5B | 1.6B | 1.6B | 1.7B | 1.6B | 1.6B | 1.6B |
| Intangibles | 161K | 104K | 872K | 5.4M | 7.5M | 7.6M | 5.5M | 3.9M | 2.4M | 1.7M | 979K | 395K | 282K |
| Retained Earnings | 4.8M | 7.2M | 9.1M | 11M | 15M | 23M | 33M | 51M | 65M | 71M | 81M | 90M | 93M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 0.24 | 0.27 | 0.25 | 0.23 | 0.29 | 0.85 | 1.14 | 1.98 | 1.69 | 1.25 | 1.34 | 1.46 | 1.53 |
| Owner EPS | 0.63 | 0.41 | 0.43 | 0.07 | 0.62 | 0.87 | 1.81 | 1.65 | 2.41 | 0.94 | 1.64 | 0.90 | -0.25 |
| Book Value | 5.55 | 5.91 | 6.15 | 6.76 | 9.36 | 13.52 | 14.38 | 15.91 | 15.90 | 16.59 | 17.45 | 19.03 | 19.82 |
| Cash Flow/Share | 0.75 | 0.56 | 0.54 | 0.18 | 0.73 | 1.15 | 2.13 | 2.01 | 2.79 | 1.26 | 1.99 | 1.18 | 3.27 |
| Dividends/Share | 0.02 | 0.04 | 0.06 | 0.08 | 0.10 | 0.20 | 0.21 | 0.23 | 0.26 | 0.29 | 0.32 | 0.36 | 0.10 |
| Shares Out. | 10.5M | 10.4M | 10.5M | 10.9M | 14.8M | 11.1M | 11.2M | 10.7M | 10.5M | 10.4M | 10.3M | 9.9M | 9.6M |
| Valuation | |||||||||||||
| P/E Ratio | 15.5 | 14.3 | 21.1 | 25.0 | 16.0 | 12.6 | 8.6 | 6.4 | 6.4 | 8.8 | 12.0 | N/A | 15.3 |
| P/FCF | 10.6 | 14.7 | 23.0 | 95.8 | 17.4 | 19.7 | 5.2 | 7.6 | 4.4 | 9.8 | 8.4 | N/A | 18.5 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 114.9 |
| Price/Book | 0.7 | 0.7 | 0.8 | 0.9 | 0.5 | 0.8 | 0.7 | 0.8 | 0.7 | 0.7 | 0.9 | N/A | 1.2 |
| Price/Sales | 1.6 | 1.7 | 1.8 | 2.3 | 2.3 | 1.9 | 1.2 | 1.8 | 2.0 | 1.7 | 2.2 | N/A | 3.5 |
| FCF Yield | 18.9% | 13.6% | 8.7% | 2.1% | 11.5% | 5.1% | 19.4% | 13.2% | 22.6% | 10.2% | 11.9% | N/A | 5.4% |
| Market Cap | 39M | 40M | 54M | 62M | 69M | 119M | 109M | 135M | 114M | 116M | 164M | 0 | 227M |
| Avg. Price | 6.90 | 7.52 | 8.44 | 11.46 | 11.64 | 9.98 | 7.38 | 11.88 | 12.50 | 9.76 | 12.39 | 0.00 | 23.56 |
| Year-End Price | 7.45 | 7.72 | 10.36 | 11.50 | 9.30 | 10.72 | 9.79 | 12.60 | 10.82 | 11.06 | 16.03 | 0.00 | 23.56 |
Citizens Community Bancorp Inc. passes 4 of 9 quality checks, suggesting mixed fundamentals.
Citizens Community Bancorp Inc. trades at 18.3x trailing earnings, compared to its 15-year median P/E of 12.0x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 24.0x vs a median of 9.8x. The company's 5-year average ROIC is 9.1% with a gross margin of 72.9%. Total shareholder yield (dividends + buybacks) is 3.1%. At current prices, the estimated annualized return to fair value is +4.5%.
Citizens Community Bancorp Inc. (CZWI) reported annual revenue of $99 million in its most recent fiscal year, based on SEC EDGAR filings.
Citizens Community Bancorp Inc. (CZWI) has a net profit margin of 14.6%. This is a healthy margin.
Citizens Community Bancorp Inc. (CZWI) generated $10 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Citizens Community Bancorp Inc. (CZWI) has a debt-to-equity ratio of 0.30. This indicates a conservatively financed balance sheet.
Citizens Community Bancorp Inc. (CZWI) reported earnings per share (EPS) of $1.46 in its most recent fiscal year.
Citizens Community Bancorp Inc. (CZWI) has a return on equity (ROE) of 7.9%. This indicates moderate shareholder returns.
Citizens Community Bancorp Inc. (CZWI) has a 5-year average gross margin of 72.9%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for Citizens Community Bancorp Inc. (CZWI), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Citizens Community Bancorp Inc. (CZWI) has a book value per share of $19.03, based on its most recent annual SEC filing.
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