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Citizens Community Bancorp(NASDAQ) CZWI

Market Cap$212.98MMarket 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)+368%
5 Year+77%
1 Year+35%
1 Month+2%
Premium Feature
Moneyball Superscore
47/100
$22.19
+1.65%
+0.36Today
After hours$22.14-$0.05 (-0.23%)
Citizens Community Bancorp last closing stock price
MetricPriceDate
Last closeUSD 22.072026-09-04
Citizens Community Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+5%USD 21.022026-08-28
1 month+2.11%USD 21.612026-08-05
3 month+6.88%USD 20.652026-06-05
Year to date+25.77%USD 17.552025-12-31
1 year+34.77%USD 16.382025-09-04
3 year+125.24%USD 9.802023-09-05
5 year+77.39%USD 12.442021-09-03
Since inception+367.72%USD 4.672004-03-30

Citizens Community Bancorp Financials at a Glance

Market Cap

$212.98MMarket 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)

$1.32

P/E Ratio

16.78

Dividend

$0.32

Beta (Volatility)

0.36 (Low)

Price

$22.19

Volume

50,639.861

Open

$21.86

Previous Close

$22.07

Daily Range

$21.82 - $24.00

52-Week Range

$14.61 - $24.43

Estimated Earnings Date

Oct 26, 2026

CZWI News

No articles available.

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About Citizens Community Bancorp

Citizens Community Bancorp, Inc. helps people and businesses manage money. It provides bank accounts and loans in Wisconsin and Minnesota. The bank serves farmers, local companies, and everyday families.

Banking for the Heartland

  • Commercial Loans: Provides financing for real estate, industrial operations, and construction projects.
  • Agricultural Banking: Offers specialized lending for farm land and seasonal operational needs.
  • Deposit Services: Features checking, savings, and money market accounts for various customers.
  • Residential Mortgages: Supplies financing for purchasing or refinancing one-to-four family homes.

Scaling the Network

  • Redeemed $15 million of 6% subordinated debt on Sept. 1, 2025, to reduce interest costs.
  • Refinanced a $12 million term note in May 2024 to manage long-term borrowing.
  • Entered a new $5 million term note in October 2025 with a variable interest rate.
  • Terminated a lease obligation in the first quarter of 2026 following a branch closure.

Why Local Expertise Matters

Citizens Community operates 25 full-service branches throughout Wisconsin and Minnesota. The bank focuses on local relationships, particularly within the agricultural sector and commercial real estate markets.

The Financial Scorecard

  • Net income was $1.1 million for the three-month period ended June 30, 2026, down from $3.3 million in the second quarter of 2025.
  • Net interest income reached $13.5 million in the second quarter of 2026, up from $13.3 million year over year.
  • The provision for credit losses increased to $4.325 million in the three months ended June 30, 2026, from $1.350 million in 2025.
  • Total loans receivable reached $1.38 billion as of June 30, 2026, up from $1.34 billion at the end of 2025.
  • Nonperforming assets rose to $32.4 million at June 30, 2026, compared to $16.7 million at Dec. 31, 2025.

Bottom Line

Citizens Community has evolved into a regional commercial and agricultural lender. While recent credit provisions have impacted earnings, the bank maintains capital levels above regulatory requirements for being well capitalized.

AI Generated • Aug 7, 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

55.66%

Operating Margin

1.78%

Net Income Margin

14.64%

Return on Equity

6.77%

Return on Capital

2.63%

Return on Assets

0.71%

Earnings Yield

5.96%

Dividend Yield

1.43%

Payout Ratio

71.96%

Stock Overview

Market Cap

$212.98MMarket 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

9.65M

Volume

50.64K

Avg. Volume

78.91K

Financials (TTM)

Gross Profit

$48.72M

Operating Income

$1.56M

EBITDA

$3.31M

Operating Cash Flow

$22.38M

Capital Expenditure

-$985.00K

Free Cash Flow

$21.39M

Cash & ST Invst.

$121.76M

Total Debt

$51.89M

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%
Q22026-06-30-9.9%
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%
Q22026-06-30-71.8%

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

$212.98MMarket 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

$981.48K

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

$121.76M

-39.8%

Total Debt

$51.89M

-15.9%

Accounts Receivable

$6.18M

+0.9%

Inventory

$0.00

N/A

Long Term Debt

$51.89M

-15.9%

Short Term Debt

$0.00

N/A

Return on Assets

0.71%

N/A

Return on Invested Capital

0.60%

N/A

Free Cash Flow

$8.48M

+2872.5%

Operating Cash Flow

$7.91M

+2049.3%

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Questions About CZWI

What is the current price of Citizens Community Bancorp?

Citizens Community Bancorp is trading at $22.07 per share.

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

Over the past 52 weeks, Citizens Community Bancorp has traded between $14.61 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 $52.52M.

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 1.43%.

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