Citizens Community Bancorp (CZWI) Stock Price, News & Analysis

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.

Key Stats

• Today's Range: $14.61 to $15.33
• 50-Day Range: $15.10 to $16.69
• 52-Week Range: $12.69 to $17.04
• Volume: 10,918 shs
• Average Volume: 20,928 shs
• Market Capitalization: $149.23 million
• P/E Ratio: 12.19
• Dividend Yield: 2.38%
• Price Target: N/A
• Consensus Rating: Hold

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 shares have decreased by 7.2% and is now trading at $15.12.

How were Citizens Community Bancorp's earnings last quarter?

Citizens Community Bancorp, Inc. (NASDAQ:CZWI) announced its earnings results on Monday, July, 28th. The bank reported $0.33 earnings per share (EPS) for the quarter, beating analysts' consensus estimates of $0.29 by $0.04. The bank earned $16.15 million during the quarter, compared to the consensus estimate of $14.70 million. Citizens Community Bancorp had a trailing twelve-month return on equity of 6.89% and a net margin of 12.65%.

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 Earnings: 7/28/2025
• Today: 10/19/2025
• Next Earnings (Estimated): 10/27/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - SVGS & LOAN
• Sub-Industry: Banking
• Current Symbol: NASDAQ:CZWI
• CIK: 1367859
• Web: www.ccf.us
• Phone: (715) 836-9994
• Fax: N/A
• Employees: 220
• Year Founded: 1938

Profitability

• EPS (Trailing Twelve Months): $1.24
• Trailing P/E Ratio: 12.19
• Forward P/E Ratio: 11.54
• P/E Growth: N/A
• Net Income: $13.75 million
• Net Margins: 12.65%
• Pretax Margin: 15.81%
• Return on Equity: 6.89%
• Return on Assets: 0.71%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.95
• Quick Ratio: 0.95

Sales & Book Value

• Annual Sales: $99.72 million
• Price / Sales: 1.50
• Cash Flow: $1.78 per share
• Price / Cash Flow: 8.48
• Book Value: $17.85 per share
• Price / Book: 0.85

Miscellaneous

• Outstanding Shares: 9,870,000
• Free Float: 9,485,000
• Market Cap: $149.23 million
• Optionable: Not Optionable
• Beta: 0.75