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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
07/07/2025: 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 $17.5
1 Year Target Price $17.5
| 2 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 10.03% | Avg. Invested days 60 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 07/07/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 147.14M USD | Price to earnings Ratio 11.6 | 1Y Target Price 17.5 |
Price to earnings Ratio 11.6 | 1Y Target Price 17.5 | ||
Volume (30-day avg) 2 | Beta 0.75 | 52 Weeks Range 10.80 - 16.65 | Updated Date 07/6/2025 |
52 Weeks Range 10.80 - 16.65 | Updated Date 07/6/2025 | ||
Dividends yield (FY) 2.61% | Basic EPS (TTM) 1.27 |
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 11.6 | Forward PE 10.72 | Enterprise Value 100654160 | Price to Sales(TTM) 2.54 |
Enterprise Value 100654160 | Price to Sales(TTM) 2.54 | ||
Enterprise Value to Revenue 3.78 | Enterprise Value to EBITDA - | Shares Outstanding 9989000 | Shares Floating 8443100 |
Shares Outstanding 9989000 | Shares Floating 8443100 | ||
Percent Insiders 6.23 | Percent Institutions 57.02 |
Upturn AI SWOT
Citizens Community Bancorp Inc
Company Overview
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.
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 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
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
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
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.
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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