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    C

    Citizens Community Bancorp Inc (CZWI)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $21.11
    +0.11 (+0.52%)

    Market Cap: $202.66M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    71%(25/35)
    Avg Surprise
    +7.72%

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.44
    Range$0.44 - $0.44
    2 analysts
    EPS RevisionsNo revisions (7d)
    0
    2
    30d
    EPS Estimate DriftChange to current
    90d ago$0.49-10.2%
    60d ago$0.49-10.2%
    30d ago$0.440.0%
    7d ago$0.440.0%
    Current$0.44
    Revenue Consensus
    $17M
    Range$17M - $17M
    1 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.22
    Range$0.21 - $0.23
    2 analysts
    Revenue Consensus
    $18M
    Range$18M - $18M
    1 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.22---
    Sep 26EST
    		-$0.44---
    Jun 26
    Reported Jul 27
    		$0.11N/A-73.17%Miss-66.7%
    Mar 26
    Reported Apr 27
    		$0.39$0.36+8.33%Beat+21.9%
    Dec 25
    Reported Jan 26
    		$0.44$0.40+10.00%Beat+63.0%
    Sep 25
    Reported Oct 27
    		$0.37$0.37+0.00%Beat+15.6%
    Jun 25
    Reported Jul 28
    		$0.33$0.29+13.79%Beat-8.3%
    Mar 25
    Reported Apr 28
    		$0.32$0.27+18.52%Beat-17.9%
    Dec 24
    Reported Mar 13
    		$0.27$0.27+0.00%Beat-28.9%
    Sep 24
    Reported Oct 28
    		$0.32$0.27+18.52%Beat+33.3%
    Jun 24
    Reported Jul 29
    		$0.36$0.27+33.33%Beat+16.1%
    Mar 24
    Reported Apr 29
    		$0.39$0.26+50.00%Beat+11.4%
    Dec 23
    Reported Mar 5
    		$0.38$0.26+46.15%Beat-22.4%
    Sep 23
    Reported Oct 24
    		$0.24$0.27-11.11%Miss-40.0%
    Jun 23
    Reported Jul 24
    		$0.31$0.27+14.81%Beat-24.4%
    Mar 23
    Reported Apr 25
    		$0.35$0.38-7.89%Miss-22.2%
    Dec 22
    Reported Mar 7
    		$0.49$0.41+19.51%Beat-15.5%
    Sep 22
    Reported Oct 24
    		$0.40$0.36+11.11%Beat-14.9%
    Jun 22
    Reported Jul 25
    		$0.41$0.33+24.24%Beat-6.8%
    Mar 22
    Reported Apr 25
    		$0.45$0.37+21.62%Beat-11.8%
    Dec 21
    Reported Jan 31
    		$0.58$0.40+45.00%Beat+75.8%
    Sep 21
    Reported Oct 25
    		$0.47$0.41+14.63%Beat+56.7%
    Jun 21
    Reported Jul 26
    		$0.44$0.34+29.41%Beat+76.0%
    Mar 21
    Reported Apr 26
    		$0.51$0.40+27.50%Beat+121.7%
    Dec 20
    Reported Mar 8
    		$0.33$0.28+17.86%Beat+26.9%
    Sep 20
    Reported Oct 27
    		$0.30$0.21+42.86%Beat+0.0%
    Jun 20
    Reported Jul 30
    		$0.25$0.18+38.89%Beat+8.7%
    Mar 20
    Reported Apr 28
    		$0.23$0.20+15.00%Beat+35.3%
    Dec 19
    Reported Mar 10
    		$0.26$0.28-7.14%Miss+100.0%
    Sep 19
    Reported Oct 28
    		$0.30$0.26+15.38%Beat+150.0%
    Jun 19
    Reported Jul 29
    		$0.23$0.25-8.00%Miss+109.1%
    Mar 19
    Reported Apr 26
    		$0.17$0.25-32.00%Miss-26.1%
    Dec 18
    Reported Jan 28
    		$0.13$0.25-48.00%Miss-56.7%
    Sep 18
    Reported Dec 10
    		$0.12$0.18-33.33%Miss+9.1%
    Jun 18
    Reported Jul 27
    		$0.11N/A-59.26%Miss-45.0%
    Mar 18
    Reported Apr 27
    		$0.23$0.26-11.54%Miss+35.3%
    Dec 17
    Reported Jan 26
    		$0.30$0.24+25.00%Beat+67.9%
    Sep 17
    Reported Dec 13
    		$0.11N/AN/ABeat-
    Jun 17
    Reported Jul 31
    		$0.20N/AN/ABeat-
    Mar 17
    Reported May 1
    		$0.17N/AN/ABeat-
    Dec 16
    Reported Jan 30
    		$0.18N/AN/ABeat-

    Dividends

    Dividend Metrics

    Forward Yield1.99%
    Forward Annual Dividend$0.42
    Payout Ratio23.73%
    FrequencyQuarterly
    Pay MonthsFeb, May, Aug

    Growth

    3Y CAGR+11.46%
    5Y CAGR+11.38%
    CZWI dividend history and ex-dividend datesRun CZWI in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio16.11EV/EBITDA7.26x
    Price/FCF10.53xFCF Yield9.50%
    Profitability
    Profit Margin22.00%Operating Margin14.50%
    ROE6.84%ROIC5.27%
    Financial Health
    Debt/Equity0.27xInterest Coverage0.44x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.51Avg Volume39.60K
    52-Week High$24.3152-Week Low$14.39

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$21.24
    SMA 20$21.29
    SMA 50$21.26
    SMA 200$20.34
    EMA 10$21.19
    EMA 20$21.27
    EMA 50$21.38
    EMA 200$20.24

    MACD

    Line: -0.09Signal: -0.07Hist: -0.02

    ADX

    ADX: 17.8+DI: 23.6-DI: 15.2

    Aroon & PSAR

    Aroon Up4.0
    Aroon Down60.0
    PSAR$22.09

    Bollinger Bands

    Upper Band$21.69
    Lower Band$20.88
    %B Position384%(Upper)
    Band Width0.29

    RSI (14-Day)

    Neutral
    45.2

    Momentum Oscillators

    Stoch %K32.0
    Stoch %D32.3
    Williams %R-68.2
    ROC (10d)-0.4%
    Momentum-0.09
    CCI (20d)-59.6
    MFI (14d)42.4

    Volatility Measures

    ATR (14d)$0.48(2.3%)
    StdDev (20d)0.20
    Hist Vol16.6%(Low)

    Volume Flow

    VWAP$21.16
    OBV1.9M
    AD Line-9.8M
    CMF (20d)0.194

    Volume Metrics

    Avg Vol (20d)39.3K
    Vol Ratio0.7x
    VWMA (20d)$21.43

    Pivot Points

    R3$21.52
    R2$21.39
    R1$21.20
    Pivot Point$21.07
    S1$20.88
    S2$20.75
    S3$20.56

    Advanced Oscillators

    TSI-7.56
    Ultimate Osc33.5
    KST-7.14

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$16.11M$16.11M$15.76M$16.24M$16.15M$14.19M$13.72M$14.21M$13.49M$15.17M$14.23M$14.69M
    Cost of RevenueN/A$9.26M$11.33M$9.69M$10.54M$9.26M$9.80M$10.83M$9.36M$9.97M$9.63M$9.33M
    Gross ProfitN/A$15.20M$4.43M$15.59M$14.80M$14.43M$13.92M$14.54M$15.03M$15.97M$14.88M$14.91M
    Operating Expenses$10.55M$10.73M$10.67M$11.05M$10.75M$10.46M$10.81M$10.42M$10.30M$10.78M$10.21M$9.97M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$4.63M$-6,242,000$4.54M$4.05M$3.97M$3.36M$4.18M$4.71M$5.19M$4.67M$5.04M
    Interest Income$22.03M$21.52M$21.77M$22.25M$22.50M$21.10M$21.96M$22.51M$22.46M$22.68M$22.03M$21.77M
    Interest Expense$8.53M$8.51M$8.71M$9.04M$9.19M$9.51M$10.25M$11.23M$10.89M$10.77M$10.28M$9.65M
    Income Before Tax$1.24M$4.63M$4.88M$4.54M$4.05M$3.97M$3.36M$4.18M$4.71M$5.19M$4.67M$5.04M
    Income Tax Expense$135,000$877,000$614,000$853,000$777,000$777,000$656,000$899,000$1.04M$1.10M$978,000$2.54M
    Net Income$1.10M$3.75M$4.27M$3.68M$3.27M$3.20M$2.70M$3.29M$3.67M$4.09M$3.69M$2.50M
    EBITDA$2.03M$5.39M$5.67M$5.33M$4.94M$4.87M$4.22M$5.08M$5.60M$6.12M$5.58M$5.94M
    EBIT$1.24M$4.63M$4.88M$4.54M$4.05M$3.97M$3.36M$4.18M$4.71M$5.19M$4.67M$5.04M
    * Some calculated fields are derived from available data when not provided by source

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    News

    Manulife Financial (CZWI) discloses sub-5% Citizens Community Bancorp ownership

    Manulife Financial Corporation, through its investment subsidiaries Manulife Investment Management (US) LLC and Manulife Investment Management Limited...

    Stock Titan•8/14/26•Neutral

    Citizens Community Bancorp (CZWI) sees Wellington report 0% beneficial stake

    Wellington Management Group LLP and its affiliated entities have reported a 0% beneficial ownership stake in Citizens Community Bancorp, Inc. (CZWI) as of June 30...

    Stock Titan•8/13/26•Neutral

    Citizens Community Bancorp (NASDAQ: CZWI) CEO adds 1,000 shares via IRA purchase

    Citizens Community Bancorp (NASDAQ: CZWI) CEO Stephen M. Bianchi recently purchased 1,000 shares of common stock through his self-directed IRA at $20.50 per share. This transaction, reported on August 10, 2026...

    Stock Titan•8/10/26•Bullish

    Vanguard Capital Management (CZWI) discloses 4.94% beneficial stake in Citizens Community Bancorp

    Vanguard Capital Management LLC has disclosed a beneficial ownership of 4.94% in Citizens Community Bancorp Inc. common stock as of June 30, 2026. This stake, totaling 477,358 shares...

    Stock Titan•7/31/26•Neutral

    Citizens Community Bancorp (NASDAQ: CZWI) reviews investor board seat request

    Citizens Community Bancorp (NASDAQ: CZWI) is reviewing a request for a board seat from a stockholder group, including Andrew Schornack...

    Stock Titan•7/31/26•Neutral

    CZWI Valuation and Fair Value

    P/E
    16.1x
    Forward P/E
    10.7x
    EV/EBITDA
    7.3x
    P/FCF
    10.5x
    PEG
    0.0x
    P/B
    1.1x
    See GNG's fair value

    CZWI Profitability: Margins, ROIC and FCF

    Operating margin
    14.5%
    Net margin
    22.0%
    ROIC
    5.3%
    ROE
    6.8%
    FCF margin
    30.1%
    FCF yield
    9.5%

    CZWI Competitors

    CompanyTicker
    BitFuFu Inc. Class A Ordinary SharesFUFU
    Rhinebeck Bancorp IncRBKB
    TROOPS IncTROO
    Stellus Capital InvestmentSCM
    PennantPark Investment CorporationPNNT
    First Citizens BancShares, Inc.FCNCP
    Chicago Atlantic BDC, Inc.LIEN
    Consumer Portfolio Services IncCPSS

    Sector: Financial Services

    CZWI Bull Case vs Bear Case

    Bull case

    • CZWI converts 30.1% of revenue into free cash flow.
    • CZWI has a 22.0% net profit margin.

    Bear case

    • CZWI's quarterly revenue changed -20.3% year over year.

    CZWI Earnings: Beat Rate and Next Report

    Beat rate
    5 of 8 quarters (62.5%)
    Average surprise
    -0.5%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.44
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    0 up, 2 down

    CZWI Dividend

    Forward yield
    2.0%
    Payout ratio
    23.7%
    3Y DPS growth
    11.5%
    5Y DPS growth
    11.4%
    Pay months
    Feb, May, Aug
    CZWI dividend history

    Frequently Asked Questions About CZWI

    What is CZWI's current dividend yield?

    Citizens Community Bancorp Inc (CZWI) has a forward dividend yield of 1.99%.

    Does CZWI pay dividends?

    Yes, Citizens Community Bancorp Inc pays dividends with a forward dividend yield of 1.99%.

    What is CZWI's P/E ratio?

    Citizens Community Bancorp Inc has a price-to-earnings (P/E) ratio of 16.11.

    What is CZWI's market cap?

    Citizens Community Bancorp Inc (CZWI) has a market capitalization of $202.66M with a current stock price of $21.11.

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