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: $16.27 to $16.42
• 50-Day Range: $14.74 to $16.69
• 52-Week Range: $12.69 to $17.04
• Volume: 13,181 shs
• Average Volume: 20,453 shs
• Market Capitalization: $161.67 million
• P/E Ratio: 13.21
• Dividend Yield: 2.20%
• Price Target: N/A
• Consensus Rating: N/A

Citizens Community Bancorp Stock Analysis - MarketRank™

Citizens Community Bancorp scored higher than 95% of companies evaluated by MarketBeat, and ranked 103rd out of 947 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Citizens Community Bancorp.

Earnings and Valuation

• Score: 3.8 / 5
• Proj. Earnings Growth: 22.14%

Earnings Growth

Earnings 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 Market

The P/E ratio of Citizens Community Bancorp is 13.21, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 280.36.

Price to Earnings Ratio vs. Sector

The P/E ratio of Citizens Community Bancorp is 13.21, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 239.03.

Price to Book Value per Share Ratio

Citizens Community Bancorp has a P/B Ratio of 0.92. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.69% of the float of Citizens Community Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Citizens Community Bancorp has a short interest ratio ("days to cover") of 2.8, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Citizens Community Bancorp has recently decreased by 9.70%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Yield

Citizens Community Bancorp pays a meaningful dividend of 2.21%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Citizens Community Bancorp has been increasing its dividend for 6 years.

Dividend Coverage

The dividend payout ratio of Citizens Community Bancorp is 29.03%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based 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.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.69% of the float of Citizens Community Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Citizens Community Bancorp has a short interest ratio ("days to cover") of 2.8, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Citizens Community Bancorp has recently decreased by 9.70%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 3.2 / 5
• News Sentiment: 1.80

News Sentiment

Citizens Community Bancorp has a news sentiment score of 1.80. 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 1.05 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Citizens Community Bancorp this week, compared to 1 article on an average week.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In 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 Insiders

Only 3.90% of the stock of Citizens Community Bancorp is held by insiders.

Percentage Held by Institutions

55.11% 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.

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 increased by 0.6% and is now trading at $16.38.

How were Citizens Community Bancorp's earnings last quarter?

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

Who are Citizens Community Bancorp's major shareholders?

Top institutional shareholders of Citizens Community Bancorp include Alliancebernstein L.P. (9.72%), The Manufacturers Life Insurance Company (5.02%), FJ Capital Management LLC (3.89%) and Fourthstone LLC (2.56%). 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 Earnings: 7/28/2025
• Today: 9/26/2025
• 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: 13.21
• Forward P/E Ratio: 12.50
• 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: 1.62
• Cash Flow: $1.79 per share
• Price / Cash Flow: 9.15
• Book Value: $17.85 per share
• Price / Book: 0.92

Miscellaneous

• Outstanding Shares: 9,870,000
• Free Float: 9,485,000
• Market Cap: $161.67 million
• Optionable: Not Optionable
• Beta: 0.76