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Upturn AI Summary - About
Citizens Community Bancorp Inc(CZWI)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CZWI
10/30/2026: CZWI (3-star) is a STRONG-BUY. BUY for 4 days. Simulated Profits (-1.26%). Updated daily EoD!
Citizens Community Bancorp Inc is a regional bank holding company centered in Wisconsin and Minnesota that offers traditional commercial, agricultural, and consumer banking services. The company has successfully pivoted its loan portfolio toward commercial and agricultural lending, which currently serves as its primary revenue engine. Its growth story is built on a history of strategic regional acquisitions and relationship-based community banking. Key risks include its geographic concentration, sensitivity to interest rate cycles, and credit exposure in specific commercial sectors. This stock may suit value-oriented or dividend-seeking investors, but should be monitored for credit quality performance and regional economic trends that could impact its performance.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company relies more on steady regional consolidation than high-growth innovative product scaling. |
| Momentum investor | Strong fit while signal remains positive | Recent share price performance shows a clear upward trend over the past 12 months. |
| Value investor | Strong fit | The bank trades at modest valuation multiples typical of small-cap regional financial institutions. |
| Dividend investor | Strong fit | Provides consistent quarterly dividend payments, offering steady income for income-focused portfolios. |
| Low-risk investor | Mixed fit | While established, the company's concentrated regional focus and small-cap status introduce inherent risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Small-cap bank stocks often experience higher price fluctuations relative to broader market indices. |
| Valuation risk | Medium | Market pricing is sensitive to interest rate expectations and regional economic health. |
| Competition risk (regional banking competition) | High | Intense competition from larger banks and credit unions can pressure loan yields and deposit costs. |
| Business quality | Medium | The business relies on traditional, rate-sensitive lending, which provides stable but limited scalability. |
| Dividend income | Medium | Dividends are dependent on sustained earnings, which can be impacted by credit cycles. |
| Execution risk | Medium | Success depends on managing credit quality in specific commercial niches like campgrounds and hotels. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 45.99% | Avg. Invested days 57 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/30/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 224.44M USD | Price to earnings Ratio 15.62 | 1Y Target Price 23.25 |
Price to earnings Ratio 15.62 | 1Y Target Price 23.25 | ||
Volume (30-day avg) 33.5K shares | Beta 0.51 | 52 Weeks Range 15.46 - 24.31 | Updated Date 10/30/2026 |
52 Weeks Range 15.46 - 24.31 | Updated Date 10/30/2026 | ||
Dividends yield (FY) 1.33% | Basic EPS (TTM) 1.5 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Commercial and Agricultural Lending | Interest income from commercial real estate, construction, and farm operating loans. | This is the primary engine of the bank, turning deposits into income through business loans. |
| Residential and Consumer Banking | Mortgage loans, home equity lines, and various consumer deposit services. | Provides a steady, secondary stream of income and essential local customer deposits. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-26 | When Before Market | Estimate 0.44 | Actual 0.56 |
Profitability
Profit Margin 24.24% | Operating Margin (TTM) 40.47% |
Management Effectiveness
Return on Assets (TTM) 0.83% | Return on Equity (TTM) 7.7% |
Valuation
Trailing PE 15.62 | Forward PE 10.72 | Enterprise Value 180.92M | Price to Sales(TTM) 3.74 |
Enterprise Value 180.92M | Price to Sales(TTM) 3.74 | ||
Enterprise Value to Revenue 4.25 | Enterprise Value to EBITDA - | Shares Outstanding 9.58M | Shares Floating 7.81M |
Shares Outstanding 9.58M | Shares Floating 7.81M | ||
Percent Insiders 15.93 | Percent Institutions 60.51 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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