Citizens Community Bancorp, Inc. (CZWI) Stock

Citizens Community Bancorp, Inc. (CZWI) is a Financials stock trading at $21.45 (as of 2026-09-02), with a market capitalization of $206.95M and a trailing P/E of 16.2. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Citizens Community Bancorp, Inc. is a bank holding company for Citizens Community Federal N.A. that offers deposit products, lending (including commercial real estate, commercial and industrial, agricultural, and consumer loans, plus one-to-four family mortgages and home equity lines of credit), and an investment portfolio. It serves businesses, agricultural operators, and consumers through branches in Wisconsin and Minnesota.

Understand Citizens Community Bancorp, Inc.: how it makes money

Citizens Community Bancorp runs a small regional bank lending to local farmers, businesses, and homebuyers, earning income from the spread between loan rates and deposit rates. The franchise is a concentrated agricultural and commercial lender in a single community, so local economic health drives most of its results.

Profit comes from the net interest spread on a concentrated loan book (gross loans of roughly $1.34B) funded by low-cost local deposits, with agricultural and commercial real estate lending as the main yield driver.

Business quality (Weak): Thin 6% operating margin, revenue in mild decline, and a 'Weak' quality grade make this a low-conviction franchise. The 27% valuation premium over the banking median does not yet reflect a track record of differentiated growth.

Valuation: At 16× earnings, CZWI trades 27% above the Banking average (13×).

Bull case

  • Profitable community franchise: The bank generates an operating margin of 6%, covering all operating costs and producing positive earnings from its lending and deposit spread. For a small single-market bank, that means the core spread business still clears the hurdle.

Bear case

  • Premium price for weak quality: At a P/E of 16.4× versus the Banking industry average of 13×, holders pay a 27% valuation premium for a business graded Weak. If credit conditions in the local agricultural market soften, the earnings Multiple has no cushion to absorb the hit.
Valuation — source: SEC EDGAR (first-party)
Price$21.45
Market Cap$206.95M
P/E Ratio16.2
EV / EBITDA8.0
Price / Book1.08
Price / Sales2.36
Dividend Yield1.0%
FCF Yield9.3%
DCF Value (model)$21.21
DCF Upside vs Price-1.1%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$87.63M
Net Margin16.5%
Return on Equity6.7%
Debt / Equity0.27
Revenue Growth (YoY)-2.1%
EPS Growth (YoY)-66.7%
FCF Growth (YoY)1017.5%
Valuation vs Sector & Industry
Stock P/E16.2
Sector P/E (Financials)14.9
Industry P/E (Banking)12.7
vs Sector8.3%
vs Industry27.3%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderWELLINGTON MANAGEMENT GROUP LLP ($11.76M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOStephen Bianchi
Employees207
CountryUS
IPO Date2004-03-30

Related Companies (Banking; 8 comparable banks)

  • Finward Bancorp (FNWD)
  • First Northern Community Bancorp (FNRN)
  • Provident Financial Services, Inc. (PFS)
  • Waterstone Financial, Inc. (WSBF)
  • Western New England Bancorp, Inc. (WNEB)
  • Riverview Bancorp, Inc. (RVSB)
  • Sound Financial Bancorp, Inc. (SFBC)
  • Eastern Bankshares, Inc. (EBC)
CZWI earnings history · CZWI institutional & insider holders · CZWI KPIs & operating metrics · CZWI financials · CZWI investor presentations & press releases · CZWI SEC filings · CZWI peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-09-02.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.