Citizens Community Bancorp, Inc. (CZWI)
NASDAQ: CZWI · Real-Time Price · USD
20.91
-0.66 (-3.04%)
At close: Aug 7, 2026, 4:00 PM EDT
20.84
-0.07 (-0.33%)
After-hours: Aug 7, 2026, 7:34 PM EDT

CZWI Statistics

Total Valuation

CZWI has a market cap or net worth of $201.79 million. The enterprise value is $131.91 million.

Market Cap201.79M
Enterprise Value 131.91M

Important Dates

The last earnings date was Monday, July 27, 2026, before market open.

Earnings Date Jul 27, 2026
Ex-Dividend Date Aug 7, 2026

Share Statistics

CZWI has 9.65 million shares outstanding. The number of shares has decreased by -3.30% in one year.

Current Share Class 9.65M
Shares Outstanding 9.65M
Shares Change (YoY) -3.30%
Shares Change (QoQ) +0.13%
Owned by Insiders (%) 13.32%
Owned by Institutions (%) 58.20%
Float 8.30M

Valuation Ratios

The trailing PE ratio is 15.91 and the forward PE ratio is 10.78.

PE Ratio 15.91
Forward PE 10.78
PS Ratio 3.46
Forward PS 2.87
PB Ratio 1.05
P/TBV Ratio 1.26
P/FCF Ratio 16.44
P/OCF Ratio 14.36
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 10.30
EV / Sales 2.26
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF 10.75

Financial Position

Current Ratio n/a
Quick Ratio n/a
Debt / Equity n/a
Debt / EBITDA n/a
Debt / FCF 4.23
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 6.84%.

Return on Equity (ROE) 6.84%
Return on Assets (ROA) 0.72%
Return on Invested Capital (ROIC) n/a
Return on Capital Employed (ROCE) n/a
Weighted Average Cost of Capital (WACC) 5.63%
Revenue Per Employee $244,908
Profits Per Employee $53,824
Employee Count238
Asset Turnover n/a
Inventory Turnover n/a

Taxes

In the past 12 months, CZWI has paid $2.48 million in taxes.

Income Tax 2.48M
Effective Tax Rate 16.21%

Stock Price Statistics

The stock price has increased by +37.84% in the last 52 weeks. The beta is 0.51, so CZWI's price volatility has been lower than the market average.

Beta (5Y) 0.51
52-Week Price Change +37.84%
50-Day Moving Average 22.09
200-Day Moving Average 19.43
Relative Strength Index (RSI) 35.47
Average Volume (20 Days) 53,267

Short Selling Information

The latest short interest is 152,341, so 1.58% of the outstanding shares have been sold short.

Short Interest 152,341
Short Previous Month 140,242
Short % of Shares Out 1.58%
Short % of Float 1.84%
Short Ratio (days to cover) 1.27

Income Statement

In the last 12 months, CZWI had revenue of $58.29 million and earned $12.81 million in profits. Earnings per share was $1.31.

Revenue58.29M
Gross Profit 58.29M
Operating Income 17.24M
Pretax Income 15.29M
Net Income 12.81M
EBITDA n/a
EBIT n/a
Earnings Per Share (EPS) $1.31
Full Income Statement

Balance Sheet

The company has $121.76 million in cash and $51.89 million in debt, with a net cash position of $69.88 million or $7.24 per share.

Cash & Cash Equivalents 121.76M
Total Debt 51.89M
Net Cash 69.88M
Net Cash Per Share $7.24
Equity (Book Value) 191.35M
Book Value Per Share 19.83
Working Capital -1.42B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $14.06 million and capital expenditures -$1.78 million, giving a free cash flow of $12.28 million.

Operating Cash Flow 14.06M
Capital Expenditures -1.78M
Depreciation & Amortization n/a
Net Borrowing -10.01M
Free Cash Flow 12.28M
FCF Per Share $1.27
Full Cash Flow Statement

Margins

Gross Margin n/a
Operating Margin 29.58%
Pretax Margin 26.23%
Profit Margin 21.98%
EBITDA Margin n/a
EBIT Margin n/a
FCF Margin 20.02%

Dividends & Yields

This stock pays an annual dividend of $0.42, which amounts to a dividend yield of 2.01%.

Dividend Per Share $0.42
Dividend Yield 2.01%
Dividend Growth (YoY) n/a
Years of Dividend Growth 6
Payout Ratio 23.97%
Buyback Yield 3.30%
Shareholder Yield 5.31%
Earnings Yield 6.35%
FCF Yield 6.08%
Dividend Details

Analyst Forecast

The average price target for CZWI is $22.75, which is 8.80% higher than the current price. The consensus rating is "Buy".

Price Target $22.75
Price Target Difference 8.80%
Analyst Consensus Buy
Analyst Count 2
Revenue Growth Forecast (3Y) n/a
EPS Growth Forecast (3Y) n/a
Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on November 1, 2006. It was a forward split with a ratio of 1.91067:1.

Last Split Date Nov 1, 2006
Split Type Forward
Split Ratio 1.91067:1

Scores

Altman Z-Score n/a
Piotroski F-Score 4