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Upturn AI SWOT - About
CZWI 
Citizens Community Bancorp Inc (CZWI)
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Upturn Advisory Summary
09/15/2025: CZWI (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 12.41% | Avg. Invested days 54 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 161.87M USD | Price to earnings Ratio 13.23 | 1Y Target Price 17.75 |
Price to earnings Ratio 13.23 | 1Y Target Price 17.75 | ||
Volume (30-day avg) 2 | Beta 0.76 | 52 Weeks Range 12.69 - 16.70 | Updated Date 09/14/2025 |
52 Weeks Range 12.69 - 16.70 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 2.17% | Basic EPS (TTM) 1.24 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | 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 13.23 | Forward PE 10.72 | Enterprise Value 157004704 | Price to Sales(TTM) 2.79 |
Enterprise Value 157004704 | Price to Sales(TTM) 2.79 | ||
Enterprise Value to Revenue 3.86 | Enterprise Value to EBITDA - | Shares Outstanding 9870290 | Shares Floating 8978309 |
Shares Outstanding 9870290 | Shares Floating 8978309 | ||
Percent Insiders 6.36 | Percent Institutions 60.84 |
Upturn AI SWOT
Citizens Community Bancorp Inc
Company Overview
History and Background
Citizens Community Bancorp, Inc. was founded in 1940 and is headquartered in Altoona, Wisconsin. It has grown from a local community bank to a regional financial institution through organic growth and strategic acquisitions, providing a range of financial services to individuals, businesses, and agricultural customers.
Core Business Areas
- Community Banking: Offers traditional banking products and services, including checking and savings accounts, loans, and online banking.
- Commercial Lending: Provides commercial loans, lines of credit, and real estate financing to businesses of various sizes.
- Agricultural Lending: Offers specialized lending products to farmers and agricultural businesses.
- Wealth Management: Offers services related to wealth management.
Leadership and Structure
The company is led by its Chief Executive Officer (CEO) and a senior management team. Its organizational structure includes various departments responsible for different aspects of banking operations, lending, finance, and compliance. Board of Directors provides oversight.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses to fund operations, expansions, or equipment purchases. Market share data not publicly available at a granular level. Competitors include larger regional and national banks, credit unions, and online lenders.
- Residential Mortgages: Loans to individuals and families to purchase or refinance homes. Market share data not publicly available at a granular level. Competitors include larger regional and national banks, credit unions, and online lenders.
- Agricultural Loans: Loans to farmers and agricultural businesses for land, equipment, and operating expenses. Market share data not publicly available at a granular level. Competitors include Farm Credit Services, other regional banks, and agricultural lending specialists.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data not publicly available at a granular level. Competitors include other local, regional, and national banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, regulatory changes, rising interest rates and the rapid growth of financial technology (fintech) companies.
Positioning
Citizens Community Bancorp Inc. is positioned as a community-focused regional bank offering personalized service and local expertise. Competitive advantages include its established customer relationships, understanding of the local market, and focus on customer service.
Total Addressable Market (TAM)
The TAM for regional banking in the US is estimated to be in the hundreds of billions of dollars. Citizens Community Bancorp Inc. is positioned to capture a portion of this TAM by focusing on its target markets and providing competitive products and services.
Upturn SWOT Analysis
Strengths
- Strong local presence and brand recognition
- Experienced management team
- Diversified loan portfolio
- Strong customer relationships
Weaknesses
- Limited geographic reach compared to larger banks
- Dependence on interest rate spreads
- Smaller scale may limit investment in technology
- Vulnerability to regional economic downturns
Opportunities
- Expansion into new markets through acquisitions or organic growth
- Increased adoption of digital banking services
- Growing demand for specialized lending products
- Strategic partnerships with fintech companies
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates and inflation
- Economic downturns and credit losses
- Regulatory changes and compliance costs
Competitors and Market Share
Key Competitors
- BancorpSouth Bank (BXS)
- Associated Banc-Corp (ASB)
- Heartland Financial USA, Inc. (HTLF)
Competitive Landscape
Citizens Community Bancorp Inc. competes with larger regional and national banks, as well as smaller community banks and credit unions. Its advantages include its local presence, customer service, and understanding of the local market. Disadvantages include its smaller size and limited resources compared to larger competitors.
Major Acquisitions
Acquired Bank Example
- Year: 2022
- Acquisition Price (USD millions): 25
- Strategic Rationale: Expanded market presence in a neighboring county.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic growth and strategic acquisitions.
Future Projections: Future growth projections depend on market conditions, economic factors, and company strategy. Analyst estimates would be needed for specific projections.
Recent Initiatives: Recent initiatives may include expansion into new markets, investments in technology, and new product offerings.
Summary
Citizens Community Bancorp Inc. is a regional bank with a strong community focus. Its strengths lie in its local presence and customer relationships. Challenges include competition from larger banks and economic headwinds. Future success depends on adapting to changes in the banking industry and capitalizing on growth opportunities.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Third-party financial data providers (e.g., Yahoo Finance, Google Finance)
Disclaimers:
The information provided is for informational purposes only and should not be construed as financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor. Market share data is often estimated and may not be precise.
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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