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NASDAQ · Banks - Regional · USD

Citizens Community Bancorp, Inc. (CZWI) Stock Analysis

Citizens Community Bancorp, Inc. (CZWI) is a Banks - Regional stock listed on NASDAQ and quoted in US Dollar.

Last Updated: October 21, 2026

CZWI

$21.13

−$0.10 (−0.47%)

Oct 21, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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CZWI Key Statistics

As of Oct 21, 2026
Trading
Open
$21.28
Previous Close
$21.23
Day's Range
21.09–21.28
52-Week Range
15.50–24.43
Volume
22.20K
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
0.51
Valuation
Market Cap
$203.91M
P/E Ratio
16.13
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
9.74
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
3.50
EPS (ttm)Profit attributable to each share over the last twelve months.
1.31
Financials (FY)
Revenue (FY)
$62.29M+10.67%
Net Income (FY)
$14.42M+4.87%
Profit marginThe share of revenue left as profit after all costs and taxes.
21.98%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
9.65M
1-Year Return
+38.34%
Dividend and dates
Dividend
$0.32+1.49%
Ex-Dividend Date
August 7, 2026
Earnings Date
October 26, 2026
Avg Volume
45.27K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 21, 2026, CZWI closed at $21.13, +38.34% over 1 year.

Citizens Community Bancorp, Inc. (CZWI) has a market capitalization of $203.91M.

In fiscal 2025, CZWI reported revenue of $62.29M.

CZWI Stock Return by Calendar Year

Citizens Community Bancorp, Inc. (CZWI) 10-year return: what $10,000 became

1 year
$10,000 $13,834
+38.34%
5 years
$10,000 $17,070
+70.70%
10 years
$10,000 $23,368
+133.68%

If you had invested $10,000 in Citizens Community Bancorp, Inc. (CZWI) 10 years ago, at the close on October 21, 2016, it would have been worth $23,368 at the close on October 21, 2026: +133.68% in total, +8.86% a year, with dividends reinvested. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)+20.41%
2025+11.93%
2024+42.93%
2023−0.34%
2022−11.21%
2021+29.13%
2020−9.32%
2019+14.03%
2018−18.07%
2017+9.99%
2016 (partial year)+21.51%

As of October 21, 2026.

CZWI Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$62.29M$14.42M23.1%
2024$56.29M$13.75M24.4%
2023$58.54M$13.06M22.3%
2022$67.19M$17.76M26.4%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$62.29M——$14.42M23.1%
2024$56.29M——$13.75M24.4%
2023$58.54M——$13.06M22.3%
2022$67.19M——$17.76M26.4%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

CZWI Dividend History

$0.36+12.5% vs 2024

Dividends per share, 2025 · 1 payments

YearDividends per sharePaymentsChange
2026*$0.323—
2025$0.361+12.5%
2024$0.321+10.3%
2023$0.291+11.5%
YearDividends per sharePaymentsChange
2026 (partial year)$0.323—
2025$0.361+12.5%
2024$0.321+10.3%
2023$0.291+11.5%
2022$0.261+13.0%
2021$0.231+9.5%
2020$0.211+5.0%
2019$0.201+0.0%
2018$0.201+25.0%
2017$0.161—

Most recent payment: $0.11 per share, ex-dividend August 7, 2026. Per-share amounts summed by calendar year from ex-dividend dates. Partial years are shown muted and marked with an asterisk.

CZWI Valuation vs Banks - Regional Median

Median of 326 stocks
MetricCZWIBanks - Regional medianvs median
P/E16.1312.0334% above
P/S ratio3.503.582% below
Profit margin21.98%29.44%7.5 pts below

Medians across 326 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Recent News

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

Citizens Community Bancorp, Inc. (CZWI) is capitalised at $203.91M on the latest close. It is classified in the Banks - Regional industry, within the Financial Services sector. Headcount on file is 217.

The most recent close on file for CZWI is $21.13, dated October 21, 2026. That is −$0.10 (−0.47%) against the previous close. The 52-week range on file runs from $15.50 to $24.43. The latest close sits 36.32% above that 52-week low.

Financial Health

The most recent full year on file, fiscal 2025, shows revenue of $62.29M. Against the prior fiscal year total of $56.29M, that is a change of +10.67%. The same year closed with net income of $14.42M. That is +4.87% against the prior fiscal year. Profit margin runs at 21.98%. That is 7.5 percentage points below the Banks - Regional median of 29.44%. Trailing earnings per share are 1.31.

Across the 4 fiscal years on file, revenue moves from $67.19M in 2022 to $62.29M in 2025. Of those 4 years, 4 report positive net income.

Valuation Assessment

CZWI trades at a trailing price-to-earnings ratio of 16.13. That is 34.08% above the Banks - Regional median of 12.03. The forward P/E on file is 9.74. Measured against sales, the shares trade at 3.5 times revenue. On price-to-sales that is 2.24% below the Banks - Regional median of 3.58. 326 Banks - Regional companies report these metrics, and the medians quoted come from that group.

Beta against the wider market is reported at 0.51. Annualized volatility over the trailing 10 years is 28.6%. The trailing one-year total return is +38.34%. Measured over 10 years, that is +8.86% a year compounded.

Growth & Income

CZWI pays a dividend yielding 1.49%. That is 1.2 percentage points below the Banks - Regional median yield of 2.68%. The indicated annual rate is $0.32 a share. The ex-dividend date on file is August 7, 2026. Dividends are recorded for 10 calendar years; 2026 shows 3 payments totalling $0.32 a share. The year before, 2025, totalled $0.36 a share.

2026 is still running; the total return is +20.41% year to date. The strongest complete calendar year on file is 2024 at +42.93%; the weakest is 2018 at −18.07%. Of the 9 complete calendar years on file, 5 finished higher.

Peer Comparison

Citizens Community Bancorp, Inc. (CZWI) operates in the Banks - Regional industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
Citizens Community Bancorp, Inc. CZWI $203.91M 16.1
Mizuho Financial Group, Inc. MFG $120.84B 13.7
HDFC Bank Limited HDB $116.51B 14.6
Itaú Unibanco Holding S.A. ITUB $106.91B 12.4

The Banks - Regional industry average P/E ratio is 12.0x. Citizens Community Bancorp, Inc. trades at a P/E of 16.1.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.

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About Citizens Community Bancorp, Inc.

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 in the United States, Wisconsin, Minnesota and internationally. The company offers various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit. It also provides various loan products, such as 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 maintains a portfolio of investments comprising mortgage-backed, asset-backed, U.S. Government sponsored agency, and corporate debt securities. Citizens Community Bancorp, Inc. was founded in 1938 and is based in Eau Claire, Wisconsin.

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