NASDAQ:CZWI Citizens Community Bancorp (CZWI) Stock Price, News & Analysis $14.82 -0.22 (-1.46%) As of 04/30/2025 04:00 PM Eastern Add Compare Share Share Stock Analysis Stock AnalysisChartCompetitorsDividendEarningsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrendsBuy This Stock About Citizens Community Bancorp Stock (NASDAQ:CZWI) 30 days 90 days 365 days Advanced Chart View Price History Chart DataSkip Price History Chart Get CZWI alerts:Sign Up Key Stats Today's Range$14.78▼$15.1250-Day Range$12.71▼$15.3452-Week Range$10.64▼$17.04Volume23,348 shsAverage Volume17,033 shsMarket Capitalization$148.05 millionP/E Ratio11.14Dividend Yield2.43%Price TargetN/AConsensus RatingN/A Company OverviewCitizens 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. It accepts various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit. The company also offers 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, it maintains a portfolio of investments comprising mortgage-backed, corporate 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.Read More… Citizens Community Bancorp Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks88th Percentile Overall ScoreCZWI MarketRank™: Citizens Community Bancorp scored higher than 88% of companies evaluated by MarketBeat, and ranked 458th out of 949 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's OpinionN/AAnalyst RatingN/A Consensus RatingThere is not enough analysis data for Citizens Community Bancorp. Earnings and Valuation3.8 / 5Proj. Earnings Growth22.14% Earnings GrowthEarnings for Citizens Community Bancorp are expected to grow by 22.14% in the coming year, from $1.31 to $1.60 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Citizens Community Bancorp is 11.14, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 21.80.Price to Earnings Ratio vs. SectorThe P/E ratio of Citizens Community Bancorp is 11.14, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.00.Price to Book Value per Share RatioCitizens Community Bancorp has a P/B Ratio of 0.89. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities. Short Interest5.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted0.20% of the float of Citizens Community Bancorp has been sold short.Short Interest Ratio / Days to CoverCitizens Community Bancorp has a short interest ratio ("days to cover") of 0.7, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Citizens Community Bancorp has recently decreased by 15.79%, indicating that investor sentiment is improving significantly. Dividend2.5 / 5Dividend StrengthModerate Dividend YieldCitizens Community Bancorp pays a meaningful dividend of 2.43%, higher than the bottom 25% of all stocks that pay dividends.Dividend GrowthCitizens Community Bancorp does not have a long track record of dividend growth.Dividend CoverageThe dividend payout ratio of Citizens Community Bancorp is 27.07%. This payout ratio is at a healthy, sustainable level, below 75%.Dividend SustainabilityBased on earnings estimates, Citizens Community Bancorp will have a dividend payout ratio of 22.50% next year. This indicates that Citizens Community Bancorp will be able to sustain or increase its dividend.Read more about Citizens Community Bancorp's dividend. Sustainability and ESGN/AEnvironmental ScoreN/A Percentage of Shares Shorted0.20% of the float of Citizens Community Bancorp has been sold short.Short Interest Ratio / Days to CoverCitizens Community Bancorp has a short interest ratio ("days to cover") of 0.7, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Citizens Community Bancorp has recently decreased by 15.79%, indicating that investor sentiment is improving significantly. News and Social Media3.3 / 5News Sentiment0.99 News SentimentCitizens Community Bancorp has a news sentiment score of 0.99. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.88 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 8 news articles for Citizens Community Bancorp this week, compared to 1 article on an average week.MarketBeat Follows41 people have added Citizens Community Bancorp to their MarketBeat watchlist in the last 30 days. Company Ownership0.8 / 5Insider TradingN/A Insider Buying vs. Insider SellingIn the past three months, Citizens Community Bancorp insiders have not sold or bought any company stock.Percentage Held by InsidersOnly 3.65% of the stock of Citizens Community Bancorp is held by insiders.Percentage Held by Institutions55.11% of the stock of Citizens Community Bancorp is held by institutions. High institutional ownership can be a signal of strong market trust in this company.Read more about Citizens Community Bancorp's insider trading history. Receive CZWI Stock News and Ratings via Email Sign-up to receive the latest news and ratings for Citizens Community Bancorp and its competitors with MarketBeat's FREE daily newsletter. Email Address CZWI Stock News HeadlinesCitizens Community Bancorp First Quarter 2025 Earnings: EPS Beats ExpectationsApril 30 at 5:22 PM | finance.yahoo.comCitizens Community Bancorp, Inc. Reports First Quarter 2025 Earnings of $0.32 Per Share; Book Value Per Share Up 8% and Tangible Book Value Per Share Up 10% Since March 31, 2024, After Annual Dividend Payment of $0.36 Per ShareApril 28 at 8:30 AM | globenewswire.comThe Man I Turn to In Times Like ThisA storm is brewing in the markets: new tariffs, recession warnings, and panic in the headlines. That’s when publisher Brett Aitken turns to Whitney Tilson—a man CNBC once dubbed “The Prophet.” Tilson just released a new prediction that runs counter to what mainstream finance is telling you.May 1, 2025 | Stansberry Research (Ad)Citizens Community Bancorp Full Year 2024 Earnings: In Line With ExpectationsMarch 18, 2025 | finance.yahoo.comInvestors in Citizens Community Bancorp (NASDAQ:CZWI) have seen favorable returns of 47% over the past five yearsFebruary 18, 2025 | finance.yahoo.comEarnings Breakdown: Citizens Community Q4January 27, 2025 | benzinga.comCitizens Community Bancorp, Inc. Reports Fourth Quarter 2024 Earnings of $0.27 Per Share and Twelve Month 2024 Earnings of $1.34 Per Share; Board of Directors Increases Annual Dividend by 12.5% to $0.36 Per ShareJanuary 27, 2025 | globenewswire.comCitizens Community Bancorp Third Quarter 2024 Earnings: Beats ExpectationsOctober 31, 2024 | finance.yahoo.comSee More Headlines CZWI Stock Analysis - Frequently Asked Questions How have CZWI shares performed this year? Citizens Community Bancorp's stock was trading at $16.29 at the beginning of 2025. Since then, CZWI shares have decreased by 9.0% and is now trading at $14.82. View the best growth stocks for 2025 here. How were Citizens Community Bancorp's earnings last quarter? Citizens Community Bancorp, Inc. (NASDAQ:CZWI) issued its quarterly earnings data on Monday, April, 28th. The bank reported $0.32 earnings per share (EPS) for the quarter, beating analysts' consensus estimates of $0.27 by $0.05. The bank earned $14.19 million during the quarter, compared to analyst estimates of $14.20 million. Citizens Community Bancorp had a net margin of 13.79% and a trailing twelve-month return on equity of 7.87%. Who are Citizens Community Bancorp's major shareholders? Top institutional investors of Citizens Community Bancorp include Ritholtz Wealth Management (0.38%). Insiders that own company stock include Richard Mchugh, Stephen M Bianchi, James S Broucek, James D Moll, Timothy L Olson, Kristina M Bourget, Francis E Felber and Kathleen Skarvan. View institutional ownership trends. How do I buy shares of Citizens Community Bancorp? Shares of CZWI stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services. What other stocks do shareholders of Citizens Community Bancorp own? Based on aggregate information from My MarketBeat watchlists, some other companies that Citizens Community Bancorp investors own include NVIDIA (NVDA), Broadcom (AVGO), Arista Networks (ANET), Jabil (JBL), e.l.f. Beauty (ELF), Disc Medicine (IRON) and Adobe (ADBE). Company Calendar Record date for 2/21 Dividend2/07/2025Ex-Dividend for 2/21 Dividend2/07/2025Dividend Payable2/21/2025Last Earnings4/28/2025Today5/01/2025Fiscal Year End12/31/2025Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry Federal savings institutions Sub-IndustryBanking Current SymbolNASDAQ:CZWI CIK1367859 Webwww.ccf.us Phone(715) 836-9994FaxN/AEmployees220Year FoundedN/AProfitability EPS (Most Recent Fiscal Year)$1.33 Trailing P/E Ratio11.14 Forward P/E Ratio11.31 P/E GrowthN/ANet Income$13.75 million Net Margins13.79% Pretax Margin18.72% Return on Equity7.87% Return on Assets0.77% Debt Debt-to-Equity Ratio0.12 Current Ratio0.95 Quick Ratio0.95 Sales & Book Value Annual Sales$56.29 million Price / Sales2.63 Cash Flow$1.63 per share Price / Cash Flow9.09 Book Value$16.56 per share Price / Book0.89Miscellaneous Outstanding Shares9,990,000Free Float9,668,000Market Cap$148.05 million OptionableNot Optionable Beta0.82 Social Links The 10 Best AI Stocks to Own in 2025Wondering where to start (or end) with AI stocks? These 10 simple stocks can help investors build long-term wealth as artificial intelligence continues to grow into the future.Get This Free Report This page (NASDAQ:CZWI) was last updated on 5/1/2025 by MarketBeat.com Staff From Our PartnersHow to invest in Elon Musk’s Optimus before its launchElon Musk is set to completely take over the AI industry with Optimus… A breakthrough AI-powered robot that El...InvestorPlace | SponsoredIs he more powerful than Trump? Is there anybody more powerful than Donald Trump right now? In a single tariff announcement, he wiped out n...Porter & Company | SponsoredTrump and Buffett Are Quietly Leading America’s Gold RevivalThe “Buffett Indicator” Predicts Gold Set To Dominate for Next Decade Each time the Buffett Indicator has...Golden Portfolio | SponsoredThe next market Nvidia is positioned to dominate …Robots — built by Nvidia. Forbes says this could be " a $24 trillion opportunity for investors." Huang s...Weiss Ratings | SponsoredThis isn’t a trade war. It’s worse…Investigative Journalist Bombhsell: The Curse on the U.S Dollar Depleted retirement accounts? Meme coin inv...Stansberry Research | SponsoredElon Set to Shock the World by May 1st ?Tech legend Jeff Brown recently traveled to the industrial zone of South Memphis to investigate what he believ...Brownstone Research | SponsoredThey rigged the gameThe U.S. fired the first shot with 145% tariffs. Apple relies heavily on Chinese production. Tesla needs Ch...Investors Alley | SponsoredTrump Treasure April 19Thanks to President Trump… A $900 investment across5 specific cryptos… Could gain 12,000% so quickly tha...Paradigm Press | Sponsored Adding Choose a watchlist: Watchlist Adding You have already added five stocks to your watchlist. Upgrade to MarketBeat All Access to add more stocks to your watchlist. Adding Citizens Community Bancorp, Inc. Please log in to your account or sign up in order to add this asset to your watchlist. Share Citizens Community Bancorp With A Colleague Link copied to clipboard. Get 30 Days of MarketBeat All Access for Free Sign up for MarketBeat All Access to gain access to MarketBeat's full suite of research tools. Start Your 30-Day Trial MarketBeat All Access Features Best-in-Class Portfolio Monitoring Get personalized stock ideas. Compare portfolio to indices. Check stock news, ratings, SEC filings, and more. Stock Ideas and Recommendations See daily stock ideas from top analysts. Receive short-term trading ideas from MarketBeat. Identify trending stocks on social media. Advanced Stock Screeners and Research Tools Use our seven stock screeners to find suitable stocks. Stay informed with MarketBeat's real-time news. Export data to Excel for personal analysis. Sign in to your free account to enjoy these benefits In-depth profiles and analysis for 20,000 public companies. Real-time analyst ratings, insider transactions, earnings data, and more. Our daily ratings and market update email newsletter. Sign in to your free account to enjoy all that MarketBeat has to offer. Sign In Create Account Your Email Address: Email Address Required Your Password: Password Required Log In or Sign in with Facebook Sign in with Google Forgot your password? Your Email Address: Please enter your email address. Please enter a valid email address Choose a Password: Please enter your password. Your password must be at least 8 characters long and contain at least 1 number, 1 letter, and 1 special character. Create My Account (Free) or Sign in with Facebook Sign in with Google By creating a free account, you agree to our terms of service. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.