Positive News SentimentPositive NewsNASDAQ:CZWI Citizens Community Bancorp (CZWI) Stock Price, News & Analysis $15.02 +0.03 (+0.20%) Closing price 08/8/2025 04:00 PM EasternExtended Trading$15.02 0.00 (0.00%) As of 08/8/2025 04:10 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more. 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$14.95▼$15.1050-Day Range$12.95▼$15.4952-Week Range$11.80▼$17.04Volume20,830 shsAverage Volume31,972 shsMarket Capitalization$150.05 millionP/E Ratio12.11Dividend Yield2.40%Price TargetN/AConsensus RatingN/A Company Overview 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. 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™ Stocks86th Percentile Overall ScoreCZWI MarketRank™: Citizens Community Bancorp scored higher than 86% of companies evaluated by MarketBeat, and ranked 263rd out of 922 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 12.11, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 27.88.Price to Earnings Ratio vs. SectorThe P/E ratio of Citizens Community Bancorp is 12.11, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.63.Price to Book Value per Share RatioCitizens Community Bancorp has a P/B Ratio of 0.84. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.Read more about Citizens Community Bancorp's valuation and earnings. Short Interest2.0 / 5Short Interest LevelBearish Percentage of Shares Shorted2.23% 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 4.Change versus previous monthShort interest in Citizens Community Bancorp has recently increased by 16.98%, indicating that investor sentiment is decreasing significantly. Dividend3.3 / 5Dividend StrengthStrong Dividend YieldCitizens Community Bancorp pays a meaningful dividend of 2.40%, higher than the bottom 25% of all stocks that pay dividends.Dividend GrowthCitizens Community Bancorp has been increasing its dividend for 6 years.Dividend CoverageThe dividend payout ratio of Citizens Community Bancorp is 29.03%. 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 Shorted2.23% 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 4.Change versus previous monthShort interest in Citizens Community Bancorp has recently increased by 16.98%, indicating that investor sentiment is decreasing significantly. News and Social Media3.1 / 5News Sentiment1.62 News SentimentCitizens Community Bancorp has a news sentiment score of 1.62. 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 0.76 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 7 news articles for Citizens Community Bancorp this week, compared to 1 article on an average week. Company Ownership2.5 / 5Insider TradingAcquiring Shares Insider Buying vs. Insider SellingIn the past three months, Citizens Community Bancorp insiders have bought more of their company's stock than they have sold. Specifically, they have bought $105,238.00 in company stock and sold $0.00 in company stock.Percentage Held by InsidersOnly 3.90% 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 HeadlinesInsider Buying: Citizens Community Bancorp, Inc. (NASDAQ:CZWI) Director Acquires 1,600 Shares of StockAugust 8 at 8:08 AM | insidertrades.comKathleen Skarvan Purchases 1,000 Shares of Citizens Community Bancorp, Inc. (NASDAQ:CZWI) StockAugust 2, 2025 | insidertrades.com$100 Trillion “AI Metal” Found in American Ghost TownJeff Brown recently traveled to a ghost town in the middle of an American desert… To investigate what could be the biggest technology story of this decade. In short, he believes what he's holding in his hand is the key to the $100 trillion AI boom… And only one company here in the U.S. can mine this obscure metal. | Brownstone Research (Ad)Citizens Community Bancorp, Inc. (NASDAQ:CZWI) Director Francis E. Felber Buys 3,000 SharesAugust 1, 2025 | insidertrades.comCitizens Community Bancorp (NASDAQ:CZWI) shareholders have earned a 20% CAGR over the last five yearsJuly 29, 2025 | finance.yahoo.comCitizens Community Bancorp, Inc. Reports Second Quarter 2025 Earnings of $0.33 Per Share; Board of Directors Authorize 5% Stock Buyback AuthorizationJuly 28, 2025 | globenewswire.comCitizens Community Bancorp Redeems $15M Subordinated NotesJuly 9, 2025 | tipranks.comCZWI - Citizens Community Bancorp Inc Chart - MorningstarJune 27, 2025 | morningstar.comMSee 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 the year. Since then, CZWI stock has decreased by 7.8% and is now trading at $15.02. How were Citizens Community Bancorp's earnings last quarter? Citizens Community Bancorp, Inc. (NASDAQ:CZWI) announced its quarterly earnings results on Monday, July, 28th. The bank reported $0.33 EPS for the quarter, topping the consensus estimate of $0.29 by $0.04. The bank earned $16.15 million during the quarter, compared to analyst estimates of $14.70 million. Citizens Community Bancorp had a net margin of 12.65% and a trailing twelve-month return on equity of 6.93%. Who are Citizens Community Bancorp's major shareholders? Citizens Community Bancorp's top institutional shareholders include Geode Capital Management LLC (2.15%), RFG Bristol Wealth Advisors LLC (0.89%), Ritholtz Wealth Management (0.39%) and Farther Finance Advisors LLC (0.05%). Insiders that own company stock include Stephen M Bianchi, James S Broucek, James D Moll, Timothy L Olson, Francis E Felber, Kristina M Bourget, Michael R Conner 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 Last Earnings7/28/2025Today8/08/2025Next Earnings (Estimated)10/27/2025Fiscal Year End12/31/2025Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry FIN - SVGS & LOAN Sub-IndustryBanking Current SymbolNASDAQ:CZWI CIK1367859 Webwww.ccf.us Phone(715) 836-9994FaxN/AEmployees220Year FoundedN/AProfitability EPS (Trailing Twelve Months)$1.24 Trailing P/E Ratio12.11 Forward P/E Ratio11.47 P/E GrowthN/ANet Income$13.75 million Net Margins12.65% Pretax Margin16.65% Return on Equity6.93% Return on Assets0.70% Debt Debt-to-Equity RatioN/A Current Ratio0.95 Quick Ratio0.94 Sales & Book Value Annual Sales$57.94 million Price / Sales2.59 Cash Flow$1.76 per share Price / Cash Flow8.51 Book Value$17.85 per share Price / Book0.84Miscellaneous Outstanding Shares9,990,000Free Float9,600,000Market Cap$150.05 million OptionableNot Optionable Beta0.74 Social Links 7 Stocks That Could Be Bigger Than Tesla, Nvidia, and GoogleLooking for the next FAANG stock before everyone has heard about it? 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