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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
12/17/2025: 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 $18.75
1 Year Target Price $18.75
| 2 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 23% | Avg. Invested days 52 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 12/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 178.22M USD | Price to earnings Ratio 14.3 | 1Y Target Price 18.75 |
Price to earnings Ratio 14.3 | 1Y Target Price 18.75 | ||
Volume (30-day avg) 2 | Beta 0.7 | 52 Weeks Range 12.69 - 18.58 | Updated Date 12/17/2025 |
52 Weeks Range 12.69 - 18.58 | Updated Date 12/17/2025 | ||
Dividends yield (FY) 1.95% | Basic EPS (TTM) 1.29 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 21.79% | Operating Margin (TTM) 32.08% |
Management Effectiveness
Return on Assets (TTM) 0.73% | Return on Equity (TTM) 7% |
Valuation
Trailing PE 14.3 | Forward PE 10.72 | Enterprise Value 143311296 | Price to Sales(TTM) 3.02 |
Enterprise Value 143311296 | Price to Sales(TTM) 3.02 | ||
Enterprise Value to Revenue 3.74 | Enterprise Value to EBITDA - | Shares Outstanding 9659745 | Shares Floating 8244109 |
Shares Outstanding 9659745 | Shares Floating 8244109 | ||
Percent Insiders 6.55 | Percent Institutions 61.89 |
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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