Citizens Community Bancorp, Inc. (CZWI) | Investment Case

1. Company Snapshot

1.a. Company Description

Citizens Community Bancorp, Inc.operates as a bank holding company for Citizens Community Federal N.A. that provides various traditional community banking services to businesses, agricultural operators, and consumers.The company accepts various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit.

It also offers various loan products comprising commercial real estate, commercial and industrial, agricultural real estate, agricultural operating, and consumer loans; and one-to-four family residential mortgages and home equity lines-of-credit.In addition, the company provides a portfolio of investments, such as mortgage-backed, corporate asset-backed, U.S. Government sponsored agency, corporate debt, and trust preferred securities.It operates through a network of 25 full-service branch in Wisconsin and Minnesota.

Citizens Community Bancorp, Inc.was founded in 1938 and is based in Eau Claire, Wisconsin.

Show Full description

1.b. Last Insights on CZWI

Citizens Community Bancorp, Inc.'s recent performance was positively driven by its solid Q3 earnings report, which matched estimates with $0.37 per share, reflecting a year-over-year increase. The company also redeemed $15 million of subordinated debt, enhancing its financial position. Furthermore, as noted by Zacks, the Savings & Loan industry is poised for growth, with Citizens Community Bancorp, Inc. likely to benefit from relatively lower interest rates and digital upgrades that improve operating efficiency.

1.c. Company Highlights

Last Price	17.89
Change Percentage	0.22%
Open	17.9
Previous Close	17.85
Market Cap ( Millions)	178
Volume	26649
Year High	17.99
Year Low	12.69
M A 50	16.24
M A 200	15.21

FCF Yield	5.71%
Dividend Yield	2.01%
ROE	7.05%
Debt / Equity	25.03%
Net Debt / EBIDTA	-133.28%
Price To Book	0.96
Price Earnings Ratio	13.91
Price To FCF	17.51
Price To sales	1.93
EV / EBITDA	5.34

2. Transcript Summary

Unfortunately this company is not part of our coverage yet. But as part of your subscription plan you can request it by clicking just below and we'll process.

Request Coverage

3. NewsRoom

3 Savings & Loan Industry Stocks to Buy on Solid Industry Prospects

Dec -01

Source: zacks.com

Citizens Community Bancorp, Inc. (CZWI) Matches Q3 Earnings Estimates

Oct -27

Source: zacks.com

Citizens Community Bancorp, Inc. Reports Third Quarter 2025 Earnings of $0.37 Per Share; Redeems $15 Million of Subordinated Debt

Oct -27

Source: globenewswire.com

Should You Buy Citizens Community Bancorp, Inc. (CZWI) After Golden Cross?

Sep -02

Source: zacks.com

Citizens Community Bancorp, Inc. (CZWI) Q2 Earnings and Revenues Surpass Estimates

Jul -28

Source: zacks.com

Citizens Community Bancorp, Inc. Reports Second Quarter 2025 Earnings of $0.33 Per Share; Board of Directors Authorize 5% Stock Buyback Authorization

Jul -28

Source: globenewswire.com

Best Value Stocks to Buy for June 12th

Jun -12

Source: zacks.com

Citizens Community Bancorp, Inc. (CZWI) Q1 Earnings Surpass Estimates

Apr -28

Source: zacks.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.77%)

6. Segments

Banking and Related Activities

Expected Growth: 4.77%

Citizens Community Bancorp, Inc.'s 4.77% growth in Banking and Related Activities is driven by increasing loan demand, expansion into new markets, and strategic acquisitions. Additionally, the company's focus on digital transformation, improved operational efficiency, and enhanced customer experience have contributed to the growth. Furthermore, a favorable interest rate environment and a strong balance sheet have also supported the segment's growth.

7. Detailed Products

Commercial Loans

Loans for businesses to finance operations, expansion, or equipment purchases

Residential Mortgages

Home loans for individuals and families to purchase or refinance a home

Consumer Loans

Personal loans for individuals to finance personal expenses or debt consolidation

Deposit Accounts

Checking and savings accounts for individuals and businesses to manage their finances

Treasury Management Services

Cash management solutions for businesses to optimize their cash flow

Online Banking and Mobile Banking

Digital banking platforms for individuals and businesses to manage their finances online or on-the-go

Credit Cards

Credit cards for individuals and businesses to make purchases and earn rewards

Wealth Management Services

Investment and insurance services for individuals and businesses to manage their wealth

8. Citizens Community Bancorp, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for Citizens Community Bancorp, Inc. is medium due to the availability of alternative banking services and financial institutions.

Bargaining Power Of Customers

The bargaining power of customers for Citizens Community Bancorp, Inc. is low due to the lack of concentration of customers and the availability of multiple banking options.

Bargaining Power Of Suppliers

The bargaining power of suppliers for Citizens Community Bancorp, Inc. is medium due to the moderate concentration of suppliers and the availability of alternative suppliers.

Threat Of New Entrants

The threat of new entrants for Citizens Community Bancorp, Inc. is high due to the relatively low barriers to entry and the attractiveness of the banking industry.

Intensity Of Rivalry

The intensity of rivalry for Citizens Community Bancorp, Inc. is high due to the high level of competition in the banking industry and the presence of multiple established players.

9. SWOT Analysis

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

	Value
Debt Weight	45.98%
Debt Cost	9.16%
Equity Weight	54.02%
Equity Cost	9.16%
WACC	9.16%
Leverage	85.12%

11. Quality Control: Citizens Community Bancorp, Inc. passed 2 out of 9 key points

Strong Liquidity

Low Deb

Strong Interest Coverage

Healthy Cash Flow

Operating Efficiency

Strong Return On Equity

Consistent Revenue Growth

Consistent Operating Cash Flow Growth

Margin Improvement

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Heritage Financial

A-Score: 6.5/10

Value: 6.0

Growth: 3.9

Quality: 6.8

Yield: 8.0

Momentum: 7.0

Volatility: 7.3

1-Year Total Return ->

Esquire Financial

A-Score: 6.3/10

Value: 4.1

Growth: 8.8

Quality: 7.4

Yield: 1.0

Momentum: 9.5

Volatility: 7.3

1-Year Total Return ->

Citizens Community Bancorp

A-Score: 6.2/10

Value: 6.8

Growth: 5.2

Quality: 5.6

Yield: 4.0

Momentum: 7.0

Volatility: 8.7

1-Year Total Return ->

Bank of the James Financial

A-Score: 5.6/10

Value: 3.1

Growth: 5.6

Quality: 4.4

Yield: 5.0

Momentum: 8.5

Volatility: 7.3

1-Year Total Return ->

OptimumBank

A-Score: 5.6/10

Value: 9.1

Growth: 6.4

Quality: 8.0

Yield: 0.0

Momentum: 2.5

Volatility: 7.7

1-Year Total Return ->

Macatawa Bank

A-Score: 5.1/10

Value: 5.4

Growth: 6.6

Quality: 8.0

Yield: 3.0

Momentum: 5.0

Volatility: 2.7

1-Year Total Return ->

Peers Metrics

12.e Scoring ^Insights

12.f DCF ^BETA

Parameters

Short Term Growth

-2.81%

Short term Time

10.0

Long-Term Growth

2.00%

WACC

9.16%

Citizens Community Bancorp, Inc. - US1749031043

1. Company Snapshot

1.a. Company Description

1.b. Last Insights on CZWI

1.c. Company Highlights

Stable Momentum

Medium Volatility

Average Quality

Earnings Beats

Revenues Beats

Fairly Valued

Cheaper

Higher Growth

Average Growth

Strong Momentum

Average Yield

Revenues Miss

2. Transcript Summary

3. NewsRoom

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.77%)

6. Segments

Banking and Related Activities

Expected Growth: 4.77%

7. Detailed Products

Commercial Loans

Residential Mortgages

Consumer Loans

Deposit Accounts

Treasury Management Services

Online Banking and Mobile Banking

Credit Cards

Wealth Management Services

8. Citizens Community Bancorp, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

Bargaining Power Of Customers

Bargaining Power Of Suppliers

Threat Of New Entrants

Intensity Of Rivalry

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

11. Quality Control: Citizens Community Bancorp, Inc. passed 2 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

17.89$

Current Price

17.89$

Potential

-0.00%

Expected Cash-Flows

12.e Scoring ^Insights

12.f DCF ^BETA