Citizens Community Bancorp Inc.

CZWI | NASDAQ

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$21.38

-$0.49 (-2.24%)

At close: Sep 21, 2026, 4:00 PM ET

$21.38

$0 (0.00%)

After-hours: Sep 21, 2026, 4:10 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $206.19M

Enterprise Value $-44.01M

Beta 0.51

Average Volume 64.16K

Shares Outstanding (Diluted) 10.02M

Shares Change YoY 0.17%

Institutional Ownership 60.69%

Exchange NASDAQ

ISIN US1749031043

Price Performance

Price Change 1M 1.8%

Price Change 3M -6.6%

Price Change 6M 9.7%

Price Change YTD 22.7%

Price Change 1Y 29.7%

Price Change 3Y 119.1%

Price Change 5Y 54.8%

1M CAGR (ann.) 2.3%

1Y CAGR (ann.) 30.1%

5Y CAGR (ann.) 11.6%

All-Time CAGR 5.6%

Valuation

PE Ratio 16.32

Forward PE 9.86

PEG Ratio 2.89

Forward PEG 0.31

PS Ratio 2.36

Forward PS 2.80

PB Ratio 1.08

P/FCF Ratio 16.36

P/Adj. FCF Ratio 16.46

P/OCF Ratio 9.59

EV/Sales -0.50

EV/EBIT -28.30

EV/EBITDA -13.30

EV/FCF -3.49

Earnings Yield 6.1%

FCF Yield 6.1%

Adj. FCF Yield 6.1%

Financial Health

Net Cash $250.2M

Total Debt $0

Cash & Short-Term Investments $250.2M

Total Assets $1.81B

Current Ratio 0.08

Quick Ratio 0.08

Debt / Equity Ratio 0.27

Debt / EBITDA 0.00

Debt / FCF 0.00

OCF / Debt N/A

Interest Coverage 0.04

Altman Z-Score -0.74

Piotroski F-Score 4

Margins & Profitability

Gross Profit Margin 55.7%

Operating Profit Margin 1.8%

EBITDA Margin 3.8%

Net Profit Margin 14.6%

FCF Margin 14.4%

Adj. FCF Margin 14.3%

SBC / Revenue 0.1%

SBC Impact (per share) -0.6%

Returns

Return on Assets 0.7%

Return on Equity 6.8%

Return on Invested Capital 0.5%

Return on Capital Employed 0.6%

Return on Tangible Assets 0.7%

Historical Growth (CAGR)

Revenue CAGR 3Y -0.5%

Revenue CAGR 5Y 1.6%

Revenue CAGR 10Y 12.3%

EPS CAGR 3Y -4.2%

EPS CAGR 5Y -3.6%

EPS CAGR 10Y 8.1%

FCF CAGR 3Y -13.0%

FCF CAGR 5Y -13.1%

FCF CAGR 10Y 13.4%

Analyst Forecasts

Analyst Rating Buy

Analyst Count 3

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 25, 2026

EPS Estimate (next Q) $0.47

EPS Growth Est (next Q) 27.0%

Revenue Est (next Q) $16.9M

Revenue Growth Est (next Q) 4.1%

Fair Value Estimates

Graham Number $23.73

Graham Upside 11.0%

Lynch Fair Value $6.55

Lynch Upside -69.4%

Price Target $24

Price Target Upside 12.3%

Cash Flow

Operating Cash Flow $14.06M

Free Cash Flow $12.6M

Adj. Free Cash Flow $12.53M

FCF Per Share $2.14

OCF Per Share $2.23

OCF/S Ratio 25.6%

Income Statement

Revenue $87.53M

Gross Profit $48.72M

Operating Income $1.56M

EBITDA $3.31M

Net Income $12.81M

EPS (Diluted) $1.31

Revenue / Employee $403.35K

Profit / Employee $59.03K

Employees 217

Dividends

Annual Dividend $0.67

Dividend Yield 3.13%

Payout Ratio 51.5%

FCF Payout Ratio 93.7%

Adj. FCF Payout Ratio 94.2%

Dividend Growth (YoY) -38.6%

Pay Frequency Quarterly

Ex-Dividend Date Aug 6, 2026