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CZWI logo CZWI
Upturn stock ratingUpturn stock rating
CZWI logo

Citizens Community Bancorp Inc (CZWI)

Upturn stock ratingUpturn stock rating
$13.19
Last Close (24-hour delay)
Profit since last BUY-6.64%
upturn advisory
SELL
SELL since 5 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

06/20/2025: CZWI (1-star) is a SELL. SELL since 5 days. Profits (-6.64%). Updated daily EoD!

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

2 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $17.5

1 Year Target Price $17.5

Analysts Price Target For last 52 week
$17.5Target price
Low$10.8
Current$13.19
high$16.65

Analysis of Past Performance

Type Stock
Historic Profit 10.03%
Avg. Invested days 60
Today’s Advisory SELL
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 4.0
Stock Returns Performance Upturn Returns Performance 2.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/20/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 137.85M USD
Price to earnings Ratio 10.78
1Y Target Price 17.5
Price to earnings Ratio 10.78
1Y Target Price 17.5
Volume (30-day avg) 2
Beta 0.75
52 Weeks Range 10.80 - 16.65
Updated Date 06/30/2025
52 Weeks Range 10.80 - 16.65
Updated Date 06/30/2025
Dividends yield (FY) 2.63%
Basic EPS (TTM) 1.28

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 22.16%
Operating Margin (TTM) 31.14%

Management Effectiveness

Return on Assets (TTM) 0.72%
Return on Equity (TTM) 7.29%

Valuation

Trailing PE 10.78
Forward PE 10.72
Enterprise Value 100654160
Price to Sales(TTM) 2.38
Enterprise Value 100654160
Price to Sales(TTM) 2.38
Enterprise Value to Revenue 3.59
Enterprise Value to EBITDA -
Shares Outstanding 9989000
Shares Floating 8443100
Shares Outstanding 9989000
Shares Floating 8443100
Percent Insiders 6.23
Percent Institutions 57.02

Analyst Ratings

Rating 2
Target Price 17.5
Buy -
Strong Buy 2
Buy -
Strong Buy 2
Hold -
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Citizens Community Bancorp Inc

stock logo

Company Overview

overview logo History and Background

Citizens Community Bancorp, Inc. was founded in 1940. It has grown organically and through acquisitions to serve communities in Wisconsin, Minnesota, and Michigan. The bank focuses on relationship banking and community involvement.

business area logo Core Business Areas

  • Commercial Banking: Provides loans, deposit accounts, and other financial services to businesses.
  • Retail Banking: Offers deposit accounts, loans, and other banking services to individuals and families.
  • Wealth Management: Provides investment management and financial planning services.

leadership logo Leadership and Structure

The leadership team consists of the CEO, CFO, and other senior executives. The organizational structure includes commercial banking, retail banking, wealth management, and support functions such as risk management and compliance.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Offers various commercial loan products including term loans, lines of credit, and real estate financing. Market share data is not publicly available on a per-product basis. Competitors include larger regional and national banks like US Bancorp and Associated Banc-Corp.
  • Residential Mortgages: Provides mortgage loans for home purchases and refinancing. Market share data is not publicly available on a per-product basis. Competitors include large mortgage lenders like Rocket Mortgage and local credit unions.
  • Deposit Accounts: Offers checking accounts, savings accounts, and certificates of deposit. Market share data is not publicly available on a per-product basis. Competitors include other community banks and online banks.

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently facing challenges due to rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Community banks are focused on maintaining customer relationships and adapting to technological changes.

Positioning

Citizens Community Bancorp is positioned as a community-focused bank with a strong emphasis on customer service and local relationships. It aims to differentiate itself through personalized service and community involvement.

Total Addressable Market (TAM)

The TAM for community banking in the Upper Midwest is estimated to be in the billions of dollars. Citizens Community Bancorp is positioned to capture a portion of this TAM by focusing on specific geographic markets and customer segments.

Upturn SWOT Analysis

Strengths

  • Strong community relationships
  • Experienced management team
  • Solid asset quality
  • Diversified revenue streams

Weaknesses

  • Limited geographic reach
  • Smaller scale compared to larger competitors
  • Dependence on local economy
  • Higher operating expenses than larger banks

Opportunities

  • Expansion into new markets
  • Increased digital banking adoption
  • Acquisition opportunities
  • Growing demand for wealth management services

Threats

  • Rising interest rates
  • Increased regulatory burden
  • Competition from larger banks and fintech companies
  • Economic downturn

Competitors and Market Share

competitor logo Key Competitors

  • USB
  • CFB
  • BOH

Competitive Landscape

Citizens Community Bancorp faces competition from larger regional and national banks, as well as online banks and fintech companies. Its competitive advantage lies in its strong community relationships and personalized service.

Growth Trajectory and Initiatives

Historical Growth: Citizens Community Bancorp has experienced steady growth in recent years, driven by organic growth and acquisitions.

Future Projections: Analyst estimates project continued growth in revenue and earnings, driven by expansion into new markets and increased adoption of digital banking.

Recent Initiatives: Recent strategic initiatives include the launch of a new digital banking platform and the acquisition of a smaller community bank.

Summary

Citizens Community Bancorp shows stability with its community-focused approach and steady growth. It leverages strong local relationships, however its smaller scale compared to larger banks could limit its potential. Expansion and digital initiatives provide growth avenues, while economic downturns and increased competition pose risks to its operations.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company filings
  • Analyst reports
  • Industry publications

Disclaimers:

This analysis is for informational purposes only and should not be considered investment advice. Market conditions and company performance can change rapidly.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 207

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.