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Citizens Community Bancorp(NASDAQ) CZWI

Market Cap$206.38MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2004)+356%
5 Year+70%
1 Year+46%
1 Month-9%
$22.14
+3.46%
+0.74Today
Citizens Community Bancorp last closing stock price
MetricPriceDate
Last closeUSD 21.402026-07-28
Citizens Community Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-8.12%USD 23.292026-07-21
1 month-9.09%USD 23.542026-06-26
3 month+3.25%USD 20.732026-04-29
Year to date+21.36%USD 17.632025-12-31
1 year+46.42%USD 14.622025-07-28
3 year+124.65%USD 9.532023-07-28
5 year+70.31%USD 12.572021-07-29
Since inception+356.28%USD 4.692004-03-30

Citizens Community Bancorp Financials at a Glance

Market Cap

$206.38MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$87.53M

Net Income (TTM)

$12.81M

EPS (TTM)

$1.31

P/E Ratio

16.32

Dividend

$0.21

Beta (Volatility)

0.37 (Low)

Price

$22.14

Volume

71,756.56

Open

$21.55

Previous Close

$22.00

Daily Range

$21.06 - $22.24

52-Week Range

$14.40 - $24.43

Estimated Earnings Date

Oct 26, 2026

CZWI News

No articles available.

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About Citizens Community Bancorp

Citizens Community Bancorp helps people and small businesses in the Midwest manage their money. It gives loans to farmers for land and equipment and provides mortgages for families buying homes. The bank also lets customers store their savings in secure accounts.

What Citizens Community Bancorp Does

  • Commercial Loans: Lending for business real estate and industrial operations; commercial real estate makes up 51.3% of total loans.
  • Agricultural Banking: Specialized loans for farm land and seasonal operating costs for agricultural producers.
  • Residential Mortgages: Financing for families to buy one-to-four unit homes; represents 8.6% of the loan portfolio.
  • Consumer Deposits: Checking, savings, and money market accounts for local residents and businesses.
  • Consumer Installment: Loans for personal items like cars, boats, and recreational vehicles.

Expanding the Banking Footprint

  • Invested in community development projects through New Markets Tax Credits in the first quarter of 2022.
  • Increased its community investment portfolio with a second round of tax credit investments in the third quarter of 2024.
  • Focused its geographical reach on 21 branch locations across Wisconsin and Minnesota.
  • Targeted commercial growth within the Chippewa Valley, Mankato, and Twin Cities markets.

Measuring Credit Risk

Citizens Community Bancorp uses a numeric risk rating system to monitor the quality of its business and farm loans. This disciplined approach helps the bank identify potential repayment issues before they become significant losses.

Recent Financial Performance

  • Net income reached $3.8 million in Q1 2026, up 17.5% from Q1 2025.
  • Operating cash flow grew to $4.0 million in Q1 2026, a 146.5% increase year-over-year.
  • Total deposits rose to $1.57 billion by March 31, 2026, up from $1.52 billion at the end of 2025.
  • Net interest income hit $13 million in Q1 2026, up from $11.6 million in Q1 2025.

The Bottom Line

Citizens Community Bancorp has transformed from a traditional thrift into a full-service regional bank. Its focus on commercial and agricultural lending provides a diversified revenue stream in the Upper Midwest.

AI Generated • May 15, 2026

Industry

Banks

Sector

Financials

Employees

217

CEO

Stephen M. Bianchi, MBA

Website

www.ccf.us

Headquarters

Eau Claire, WI 54701, US

CZWI Financials

Key Financial Metrics (TTM)

Gross Margin

23.67%

Operating Margin

-2.02%

Net Income Margin

15.14%

Return on Equity

6.77%

Return on Capital

2.63%

Return on Assets

0.71%

Earnings Yield

6.13%

Dividend Yield

0.98%

Payout Ratio

92.15%

Stock Overview

Market Cap

$206.38MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

9.64M

Volume

71.76K

Avg. Volume

73.29K

Financials (TTM)

Gross Profit

$48.72M

Operating Income

$1.56M

EBITDA

$3.31M

Operating Cash Flow

$14.06M

Capital Expenditure

-$1.46M

Free Cash Flow

$12.60M

Cash & ST Invst.

$250.20M

Total Debt

$0.00

Citizens Community Bancorp Performance Analysis

Citizens Community Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 80,000,0000.2%
20232023-12-31USD 93,821,00017.3%
20242024-12-31USD 98,894,0005.4%
20252025-12-31USD 98,119,000-0.8%
Citizens Community Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-0.2%
Q42025-12-31-37.7%
Q12026-03-3155.2%
Q22026-06-30-21.9%
Citizens Community Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 1.69-14.8%
20232023-12-31USD 1.25-26.2%
20242024-12-31USD 1.347.4%
20252025-12-31USD 1.468.6%
Citizens Community Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3012.1%
Q42025-12-3118.9%
Q12026-03-31-11.4%
Q22026-06-30-200.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$22.03M

-13.0%

Gross Profit

$13.50M

-8.7%

Gross Margin

61.29%

N/A

Market Cap

$206.38MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$951.08K

N/A

Employees

217

N/A

Net Income

$1.10M

-66.3%

EBITDA

-$1.26M

-125.7%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$250.20M

+23.7%

Total Debt

$0.00

-100.0%

Accounts Receivable

$1.36B

+22164.5%

Inventory

$0.00

N/A

Long Term Debt

$0.00

-100.0%

Short Term Debt

$0.00

N/A

Return on Assets

0.71%

N/A

Return on Invested Capital

-0.09%

N/A

Free Cash Flow

$3.41M

+125.1%

Operating Cash Flow

$3.98M

+146.5%

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Questions About CZWI

What is the current price of Citizens Community Bancorp?

Citizens Community Bancorp is trading at $22.00 per share.

What is the 52-week range for Citizens Community Bancorp?

Over the past 52 weeks, Citizens Community Bancorp has traded between $14.40 and $24.43.

How much debt does Citizens Community Bancorp have?

As of the most recent reporting period, Citizens Community Bancorp reported total debt of $51.89M.

How much cash does Citizens Community Bancorp have on hand?

Citizens Community Bancorp does not have cash on hand data available.

What is Citizens Community Bancorp’s dividend yield?

Citizens Community Bancorp currently has a dividend yield of 0.98%.

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