Citizens Community Bancorp, Inc.
- Open
- 20.94
- Day high
- 21.63
- Day low
- 20.94
- Prev close
- 20.70
- Volume
- 68K
- Mkt cap
- $207M
- P/E (TTM)
- 16.4
- EPS (TTM)
- $1.31
- P/B
- 1.1
- P/S
- 2.4
- Yield
- 1.47%
- Per share
- $0.32
- ▲Insiders net buying $31K over the last 3 months (2 open-market buys, 0 sales)
- ◆Cluster buying — multiple insiders bought within days
- 🏛Institutions reducing (13F)
Citizens Community Bancorp, Inc. (CZWI) is a Financial Services company listed on NASDAQ. The stock is up 31% over the past year. Over the trailing 3 months, insiders filed 2 open-market buys and 0 sales (SEC Form 4).
Citizens Community Bancorp, Inc. (CZWI) financials & analyst ratings
Fundamentals (TTM)
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
CZWI earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Jul 27, 2026 | $0.41 | $0.11 | -73.2% | $16M | -1.2% |
| Apr 27, 2026 | $0.36 | $0.39 | +8.3% | $16M | +2.6% |
| Mar 5, 2026 | — | $0.44 | — | $16M | — |
| Jan 27, 2025 | $0.27 | $0.27 | +0.0% | $13M | -5.1% |
| Jan 29, 2024 | $0.26 | $0.35 | +34.6% | $14M | +22.6% |
| Jul 24, 2023 | $0.27 | $0.31 | +14.8% | $15M | +22.8% |
| Jan 23, 2023 | $0.41 | $0.45 | +9.8% | $18M | +6.2% |
| Jul 25, 2022 | $0.33 | $0.41 | +24.2% | $17M | +7.0% |
| Jan 31, 2022 | $0.40 | $0.58 | +45.0% | $19M | +16.7% |
| Jan 28, 2021 | $0.28 | $0.33 | +17.9% | $18M | +26.8% |
| Jul 30, 2020 | $0.18 | $0.25 | +38.9% | $17M | +36.0% |
| Apr 28, 2020 | $0.20 | $0.23 | +15.0% | $16M | +15.5% |
CZWI insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Aug 10, 2026 | Bianchi Stephen Mdirector, officer: CEO and President | Buy | 1,000 | $20.50 |
| Aug 10, 2026 | FELBER FRANCIS Edirector | Buy | 500 | $20.25 |
| Jun 2, 2026 | Bianchi Stephen Mdirector, officer: CEO and President | Option | 5,000 | $11.00 |
| Jun 2, 2026 | BROUCEK JAMES Sofficer: EVP/CFO/Treasurer/Secretary | Option | 2,000 | $13.60 |
| May 18, 2026 | FELBER FRANCIS Edirector | Buy | 500 | $20.60 |
| May 18, 2026 | MOLL JAMES Ddirector | Sell | 1,000 | $20.50 |
| May 18, 2026 | MOLL JAMES Ddirector | Sell | 500 | $20.75 |
| May 15, 2026 | MOLL JAMES Ddirector | Sell | 1,900 | $20.96 |
| May 15, 2026 | MOLL JAMES Ddirector | Sell | 124 | $21.11 |
| May 15, 2026 | MOLL JAMES Ddirector | Sell | 100 | $20.98 |
| May 15, 2026 | MOLL JAMES Ddirector | Sell | 876 | $21.08 |
| May 11, 2026 | SKARVAN KATHLEENdirector | Buy | 300 | $21.20 |
| May 11, 2026 | SKARVAN KATHLEENdirector | Buy | 450 | $21.13 |
| May 5, 2026 | FELBER FRANCIS Edirector | Buy | 1,000 | $20.60 |
| May 5, 2026 | Olson Timothy Ldirector | Buy | 1,000 | $20.95 |
Source: CZWI SEC Form 4 filings, latest Aug 10, 2026. For informational purposes only — not investment advice.
See the full CZWI insider & 13F page →Citizens Community Bancorp, Inc. company profile
Overview
Citizens Community Bancorp, Inc. (NASDAQ:CZWI) is a regional bank holding company founded in 1938 and headquartered in Eau Claire, Wisconsin. The company operates through its subsidiary, Citizens Community Federal N.A., providing traditional community banking services across Wisconsin and Minnesota through a network of 25 full-service branches. As a publicly traded entity since 2004, Citizens Community has established itself as a local financial institution serving businesses, agricultural operators, and individual consumers in the upper Midwest region.
Business
Citizens Community Bancorp operates in the regional banking industry, which serves as an intermediary between depositors and borrowers within specific geographic markets. The company's core business revolves around traditional community banking services that form the foundation of local economic activity. The bank's primary operations consist of two fundamental banking functions. On the deposit side, Citizens Community accepts various deposit products including demand deposits (checking accounts), savings accounts, money market accounts, and certificates of deposit. These deposits represent the bank's primary source of funding, as customers entrust their money to the institution in exchange for interest payments and banking services. On the lending side, the bank offers a comprehensive portfolio of loan products tailored to its regional market. Commercial real estate loans finance properties used for business purposes, while commercial and industrial loans support working capital and equipment needs of local businesses. Given the agricultural nature of the Wisconsin and Minnesota markets, the bank also specializes in agricultural real estate loans for farmland purchases and agricultural operating loans for seasonal farming expenses. Additionally, Citizens Community provides consumer loans for personal needs, one-to-four family residential mortgages for home purchases, and home equity lines of credit that allow homeowners to borrow against their property value. Beyond traditional lending and deposit services, the bank maintains an investment portfolio consisting of mortgage-backed securities, corporate asset-backed securities, U.S. Government sponsored agency securities, corporate debt instruments, and trust preferred securities. This investment portfolio serves as both a source of income and a liquidity management tool, allowing the bank to earn returns on excess funds while maintaining the ability to meet withdrawal demands and lending opportunities.
Revenue model
Citizens Community Bancorp generates revenue through the classic banking business model known as net interest income, which represents the difference between interest earned on loans and investments and interest paid on deposits and borrowings. This spread-based model forms the core of traditional banking profitability. The bank's primary revenue streams include interest income from its loan portfolio, where commercial real estate, commercial and industrial, agricultural, and consumer loans generate monthly payments from borrowers. The investment securities portfolio also contributes interest income through regular coupon payments and principal repayments. On the cost side, the bank pays interest to depositors on savings accounts, money market accounts, and certificates of deposit, with demand deposits typically offering minimal or no interest. Secondary revenue sources include fee-based income from various banking services such as account maintenance fees, overdraft charges, loan origination fees, and other transactional services. However, these typically represent a smaller portion of total revenue compared to net interest income. Several factors significantly impact the bank's profitability margins. Interest rate environment changes represent the most critical external factor, as rising rates generally benefit banks by increasing loan yields faster than deposit costs, while falling rates can compress margins. The bank's asset quality directly affects profitability through loan loss provisions, where economic downturns or specific industry challenges in agriculture or commercial real estate could increase credit losses. Competition from larger regional banks, credit unions, and fintech companies can pressure both deposit rates and loan pricing. Additionally, regulatory compliance costs and operational efficiency measures influence the bank's expense structure and overall profitability. The concentration in Wisconsin and Minnesota markets means local economic conditions, particularly agricultural commodity prices and commercial real estate values, significantly impact loan demand and credit quality.
Competitive moat
Citizens Community Bancorp's competitive moat is relatively narrow but defensible within its specific geographic niche. The bank's primary competitive advantage stems from its deep local market knowledge and established relationships in Wisconsin and Minnesota communities, particularly in agricultural lending where specialized expertise and long-term customer relationships create switching costs for borrowers. The bank benefits from relationship-based banking, where personal connections and local decision-making provide advantages over larger, more bureaucratic institutions. Agricultural borrowers often value working with bankers who understand seasonal cash flows, commodity cycles, and local farming practices. Similarly, small and medium-sized businesses appreciate the ability to speak directly with local decision-makers rather than navigating complex approval processes at larger banks. However, this moat faces significant challenges. Scale disadvantages limit the bank's ability to compete on pricing and technology investments compared to larger regional banks. Digital banking trends and fintech disruption threaten traditional relationship advantages, particularly among younger customers who prioritize convenience over personal relationships. The bank's geographic concentration also creates vulnerability to local economic downturns or agricultural sector challenges. Potential disruption comes from multiple sources: larger banks with superior technology platforms and competitive pricing, credit unions offering member benefits, fintech lenders providing faster loan approvals, and digital-first banks offering higher deposit rates with lower overhead costs. The bank's competitive position remains strongest in complex agricultural lending and local commercial relationships where expertise and personal service matter most, but these advantages may erode over time as technology democratizes financial services and customer preferences shift toward digital-first experiences.
Risks & safety
Citizens Community Bancorp presents a moderate margin of safety typical of well-capitalized regional banks, though with some areas of concern regarding profitability trends and market concentration. • Liquidity and Solvency: Strong cash position with $50.2 million in cash and short-term investments as of Q4 2024, representing healthy liquidity buffers. Debt-to-equity ratio of 0.37 indicates conservative leverage levels, significantly lower than the 0.85 ratio in 2023. • Valuation Metrics: Trading at reasonable multiples with P/E ratio of 12.1x based on 2024 earnings and price-to-book ratio of 0.93x, suggesting the stock trades near tangible book value. EV/EBITDA multiple varies significantly due to inconsistent EBITDA reporting in banking context. • Profitability Concerns: Return on equity declined from 10.6% in 2022 to 7.7% in 2024, indicating weakening profitability. Revenue decreased from $67.2 million in 2022 to $56.3 million in 2024, suggesting challenging operating conditions. • Other Considerations: Geographic concentration in Wisconsin and Minnesota creates vulnerability to regional economic downturns. Agricultural lending exposure adds cyclical risk factors. Positive free cash flow generation of $19.3 million in 2024 provides some operational stability.
Recent development
Based on the available financial data, Citizens Community Bancorp has experienced a period of revenue contraction and margin compression over the past three years. The bank's total revenue declined from $67.2 million in 2022 to $56.3 million in 2024, representing a 16% decrease over the two-year period. This decline coincided with challenging interest rate environments and competitive pressures in the regional banking sector. The bank's profitability metrics have also shown deterioration, with return on equity falling from 10.6% in 2022 to 7.7% in 2024, despite maintaining positive earnings throughout the period. Net income decreased from $17.8 million in 2022 to $13.8 million in 2024, reflecting the impact of compressed net interest margins and potentially higher credit costs. Balance sheet management has shown improvement in certain areas, particularly in reducing leverage ratios. The debt-to-equity ratio improved significantly from 1.29 in 2022 to 0.37 in 2024, indicating more conservative capital management. The bank has maintained substantial cash positions, ending 2024 with over $50 million in cash and short-term investments. The quarterly progression through 2024 reveals volatile performance patterns, with revenue ranging from $13.5 million in Q4 to $25.8 million in Q1, suggesting potential seasonal factors or one-time items affecting quarterly results. The bank appears to be navigating through a challenging operating environment while maintaining adequate capital levels and liquidity positions.
CZWI company profile · for informational purposes only — not investment advice.
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