Positive News SentimentPositive NewsNASDAQ:CZWI Citizens Community Bancorp (CZWI) Stock Price, News & Analysis $21.17 +0.30 (+1.44%) Closing price 04:00 PM EasternExtended Trading$21.16 -0.01 (-0.04%) As of 05:29 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 Massive. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrendsBuy This Stock About Citizens Community Bancorp Stock (NASDAQ:CZWI) View Price History Chart DataSkip Price History Chart 1 Day 5 Days 30 Days 90 Days 1 Year Advanced 1 Day 1 Day 5 Days 30 Days 90 Days 1 Year Advanced Show volume Show extended hours Get CZWI alerts:Sign Up Key Stats Today's Range$20.99▼$21.4450-Day Range$20.00▼$21.4652-Week Range$12.83▼$22.62Volume55,551 shsAverage Volume70,346 shsMarket Capitalization$204.08 millionP/E Ratio13.84Dividend Yield1.98%Price TargetN/AConsensus RatingModerate Buy Company Overview Citizens Community Bancorp, Inc. is a bank holding company headquartered in Columbia Station, Ohio. Its primary subsidiary, Citizens Community Savings Bank, offers a range of community banking services to individuals and businesses. The company operates through a network of branch offices in Lorain and Medina counties and surrounding communities, providing personalized financial solutions with a focus on local relationships and customer service. The bank’s deposit products include checking and savings accounts, money market accounts and certificates of deposit, while its lending portfolio features residential mortgage loans, home equity lines of credit, commercial real estate loans, and small-business financing. Citizens Community Bancorp also provides digital and mobile banking platforms, enabling customers to manage accounts, make payments and access online statements. Ancillary services such as safe-deposit boxes, investment referrals and cash management solutions support both retail and commercial clients. Established as a community banking institution, Citizens Community Bancorp has maintained a commitment to the markets it serves by reinvesting in local economic development and charitable initiatives. The company is overseen by a seasoned executive team and board of directors with extensive experience in community banking. As a publicly traded company on the NASDAQ under the symbol CZWI, it continues to pursue measured growth while upholding a local-first approach to banking.AI Generated. May Contain Errors. Read More Citizens Community Bancorp Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks77th Percentile Overall ScoreCZWI MarketRank™: Citizens Community Bancorp scored higher than 77% of companies evaluated by MarketBeat, and ranked 349th out of 878 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion1.5 / 5Analyst RatingModerate Buy Consensus RatingCitizens Community Bancorp has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on no strong buy ratings, 1 buy rating, 1 hold rating, and no sell ratings.Amount of Analyst CoverageCitizens Community Bancorp has only been the subject of 1 research reports in the past 90 days.Read more about Citizens Community Bancorp's stock forecast and price target. Earnings and Valuation3.1 / 5Proj. Earnings Growth22.65% Earnings GrowthEarnings for Citizens Community Bancorp are expected to grow by 22.65% in the coming year, from $1.81 to $2.22 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Citizens Community Bancorp is 13.89, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.83.Price to Earnings Ratio vs. SectorThe P/E ratio of Citizens Community Bancorp is 13.89, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.16.Price to Book Value per Share RatioCitizens Community Bancorp has a P/B Ratio of 1.09. P/B Ratios below 3 indicates that a company is reasonably valued 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 Shorted0.90% 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 4.65.Change versus previous monthShort interest in Citizens Community Bancorp has recently increased by 2.51%, indicating that investor sentiment is decreasing. Dividend3.3 / 5Dividend StrengthStrong Dividend YieldCitizens Community Bancorp pays a meaningful dividend of 1.96%, 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 27.45%. 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 18.92% 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. News and Social Media3.1 / 5News SentimentN/A News SentimentCitizens Community Bancorp has a news sentiment score of 1.89. 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 0.81 average news sentiment score of Finance companies. Company Ownership2.9 / 5Insider TradingSelling Shares Cluster Insider Buying3 insiders have purchased shares of Citizens Community Bancorp in the last three months. Multiple insiders buying is a strong bullish signal.Insider Buying vs. Insider SellingIn the past three months, Citizens Community Bancorp insiders have sold 49.19% more of their company's stock than they have bought. Specifically, they have bought $69,815.00 in company stock and sold $104,160.00 in company stock.Percentage Held by Insiders4.10% 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. Submit View SMS TermsSMS is currently available in Australia, Belgium, Canada, France, Germany, Ireland, Italy, New Zealand, the Netherlands, Singapore, South Africa, Spain, Switzerland, the United Kingdom, and the United States. 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CZWI Stock News HeadlinesFrancis Felber Buys 500 Shares of Citizens Community Bancorp (NASDAQ:CZWI) StockMay 19, 2026 | insidertrades.comPleasing Signs As A Number Of Insiders Buy Citizens Community Bancorp StockMay 18, 2026 | finance.yahoo.comRickards Predicts: Trump to buy tiny $2 stock?Jim Rickards believes the Trump administration is about to take a direct stake in a $2 stock sitting on the largest mineral reserve in the country - enough gold for a new Fort Knox, enough copper to rebuild the U.S. electric grid 25 times over. The Trump administration has previously staked positions in MP Materials, Lithium America, Trilogy Metals, and USA Rare Earth - each time shares moved higher. A landmark policy decision expected before June 30 could reprice this stock from $2 to $20 or more within a year.June 16 at 1:00 AM | Paradigm Press (Ad)Insider Selling: Citizens Community Bancorp (NASDAQ:CZWI) Director Sells 3,000 Shares of StockMay 16, 2026 | insidertrades.comCitizens Community Bancorp (CZWI) price target increased by 12.94% to 24.48May 14, 2026 | msn.comCitizens Community Bancorp Reports Solid First-Quarter 2026 ResultsApril 27, 2026 | tipranks.comCitizens Community Bancorp, Inc. Reports First Quarter 2026 Earnings of $0.39 Per Share; Board Approves Quarterly Dividend at $0.105 per ShareApril 27, 2026 | globenewswire.comCitizens Community Bancorp Announces Upcoming Director RetirementApril 16, 2026 | tipranks.comSee More Headlines CZWI Stock Analysis - Frequently Asked Questions How have CZWI shares performed this year? Citizens Community Bancorp's stock was trading at $17.82 at the start of the year. Since then, CZWI shares have increased by 19.2% and is now trading at $21.25. How were Citizens Community Bancorp's earnings last quarter? Citizens Community Bancorp, Inc. (NASDAQ:CZWI) announced its quarterly earnings results on Monday, April, 27th. The bank reported $0.39 earnings per share for the quarter, beating analysts' consensus estimates of $0.36 by $0.03. The bank had revenue of $16.11 million for the quarter, compared to analyst estimates of $15.70 million. Citizens Community Bancorp had a trailing twelve-month return on equity of 8.00% and a net margin of 15.02%. Who are Citizens Community Bancorp's major shareholders? Top institutional shareholders of Citizens Community Bancorp include The Manufacturers Life Insurance Company (5.02%), Dimensional Fund Advisors LP (3.60%), Rhino Investment Partners Inc (1.68%) and Arrowstreet Capital Limited Partnership (1.53%). 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 Earnings4/27/2026Record date for 5/22 Dividend5/08/2026Ex-Dividend for 5/22 Dividend5/08/2026Dividend Payable5/22/2026Today6/16/2026Next Earnings (Estimated)7/27/2026Fiscal Year End12/31/2026Get Stock Alerts Health Indicator TradeSmith's Health IndicatorA long-term volatility-based measure designed for securities held 12 months or longer.Green: Strong and healthy uptrend with normal pullbacks.Yellow: Significant pullback but still within expected volatility.Red: Dropped beyond expected volatility; considered unhealthy. Green Zone (10m+) 1-Year History Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 CZWI's financial health is in the Green zone, according to TradeSmith. CZWI has been in this zone for over 10 months. Industry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry FIN - SVGS & LOAN Sub-IndustryBanking Current SymbolNASDAQ:CZWI CIK1367859 Webwww.ccf.us Phone(715) 836-9994FaxN/AEmployees220Year Founded1938Profitability EPS (Trailing Twelve Months)$1.53 Trailing P/E Ratio13.84 Forward P/E Ratio11.70 P/E GrowthN/ANet Income$14.42 million Net Margins15.02% Pretax Margin18.16% Return on Equity8.00% Return on Assets0.85% Debt Debt-to-Equity RatioN/A Current Ratio0.95 Quick Ratio0.95 Sales & Book Value Annual Sales$98.77 million Price / Sales2.07 Cash Flow$1.87 per share Price / Cash Flow11.33 Book Value$19.46 per share Price / Book1.09Miscellaneous Outstanding Shares9,640,000Free Float9,249,000Market Cap$204.08 million OptionableNot Optionable Beta0.52 Social Links A Guide To High-Short-Interest StocksMarketBeat's analysts have just released their top five short plays for June 2026. Learn which stocks have the most short interest and how to trade them. 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