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Upturn AI SWOT - About
CZWI 
Citizens Community Bancorp Inc (CZWI)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/24/2025: CZWI (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $17.75
1 Year Target Price $17.75
| 2 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 10.06% | Avg. Invested days 56 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/24/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 157.13M USD | Price to earnings Ratio 12.84 | 1Y Target Price 17.75 |
Price to earnings Ratio 12.84 | 1Y Target Price 17.75 | ||
Volume (30-day avg) 2 | Beta 0.76 | 52 Weeks Range 12.69 - 16.75 | Updated Date 10/25/2025 |
52 Weeks Range 12.69 - 16.75 | Updated Date 10/25/2025 | ||
Dividends yield (FY) 2.29% | Basic EPS (TTM) 1.24 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date 2025-10-27 | When Before Market | Estimate 0.37 | Actual - |
Profitability
Profit Margin 21.47% | Operating Margin (TTM) 30.85% |
Management Effectiveness
Return on Assets (TTM) 0.7% | Return on Equity (TTM) 6.93% |
Valuation
Trailing PE 12.84 | Forward PE 10.72 | Enterprise Value 152266976 | Price to Sales(TTM) 2.71 |
Enterprise Value 152266976 | Price to Sales(TTM) 2.71 | ||
Enterprise Value to Revenue 3.75 | Enterprise Value to EBITDA - | Shares Outstanding 9870287 | Shares Floating 8978309 |
Shares Outstanding 9870287 | Shares Floating 8978309 | ||
Percent Insiders 6.36 | Percent Institutions 60.97 |
Upturn AI SWOT
Citizens Community Bancorp Inc
Company Overview
History and Background
Citizens Community Bancorp, Inc. was founded in 1975. It operates as the holding company for Citizens Community Federal, providing community banking services. Over the years, it has focused on serving individuals, families, and businesses in Wisconsin and Minnesota.
Core Business Areas
- Commercial Banking: Offers commercial loans, lines of credit, and other banking services to businesses of various sizes.
- Retail Banking: Provides personal banking services, including checking accounts, savings accounts, mortgages, and consumer loans.
- Wealth Management: Offers wealth management and trust services to individuals and families.
Leadership and Structure
Stephen M. Renier is the Chief Executive Officer. The company operates with a board of directors overseeing strategic direction and risk management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans for various business purposes, including expansion, equipment purchases, and working capital. Market share data is unavailable. Competitors include Associated Banc-Corp, Nicolet Bankshares, and other regional banks.
- Mortgage Loans: Offers mortgage loans for residential properties. Market share data is unavailable. Competitors include larger national banks and mortgage companies.
- Checking and Savings Accounts: Offers a range of deposit accounts for individuals and businesses. Market share data is unavailable. Competitors include national banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, low interest rates, and rising competition from non-bank financial institutions and fintech companies. Consolidation is an ongoing trend.
Positioning
Citizens Community Bancorp Inc. positions itself as a community-focused bank, emphasizing personal service and local knowledge. Its competitive advantages include strong customer relationships and local market expertise.
Total Addressable Market (TAM)
The TAM for community banking in Wisconsin and Minnesota is estimated to be in the billions of dollars. Citizens Community Bancorp Inc. holds a relatively small portion of this TAM and aims to grow its market share through strategic initiatives.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market expertise
- Experienced management team
- Solid asset quality
Weaknesses
- Limited geographic presence
- Smaller scale compared to larger competitors
- Dependence on net interest income
- Lower technological capabilities
Opportunities
- Expansion into new markets within Wisconsin and Minnesota
- Increased adoption of digital banking technologies
- Acquisition of smaller community banks
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- Associated Banc-Corp (ASB)
- Nicolet Bankshares (NIC)
- Green Bay Bancorp (GBBK)
Competitive Landscape
Citizens Community Bancorp Inc. faces intense competition from larger regional and national banks, as well as online lenders. Its strengths lie in personalized service and local relationships, while its weaknesses include limited scale and resources.
Major Acquisitions
None
- Year:
- Acquisition Price (USD millions):
- Strategic Rationale: None
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends are not accessible without real-time updates.
Future Projections: Future growth projections are not accessible without real-time updates.
Recent Initiatives: Recent strategic initiatives are not accessible without real-time updates.
Summary
Citizens Community Bancorp Inc. is a community bank focused on serving Wisconsin and Minnesota. Its strengths are strong customer relationships and local expertise. It faces challenges from larger competitors and regulatory pressures. The company must embrace digital technologies to maintain its competitive edge. Further expansion into wealth management could enhance future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Industry reports
- Analyst opinions (where publicly available)
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data and financial figures may not be precise due to data limitations. Past performance is not indicative of future results.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Citizens Community Bancorp Inc
Exchange NASDAQ | Headquaters Eau Claire, WI, United States | ||
IPO Launch date 2004-03-30 | Chairman of the Board, President & CEO Mr. Stephen M. Bianchi | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 207 | Website https://ccf.us |
Full time employees 207 | Website https://ccf.us | ||
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 in the United States. The company accepts various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit. It also provides 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, the company maintains a portfolio of investments comprising mortgage-backed, corporate asset-backed, U.S. Government sponsored agency, and corporate debt securities. The company operates in Wisconsin, Minnesota and Other locations. Citizens Community Bancorp, Inc. was founded in 1938 and is based in Eau Claire, Wisconsin.
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