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Citizens Community Bancorp Inc

CZWI

16.200USD

-0.170-1.04%

Close 11/06, 16:00（ET）Quotes delayed by 15 min

159.68MMarket Cap

12.43P/E TTM



Citizens Community Bancorp Inc

16.200

-0.170-1.04%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Company

Financials

Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score of Citizens Community Bancorp Inc

Currency: USD Updated: 2025-11-06

Key Insights

The company's fundamentals are relatively healthy. Its valuation is considered fairly valued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Strong Buy. Despite an average stock market performance, the company shows strong technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Citizens Community Bancorp Inc's Score

Industry at a Glance

Industry Ranking

89 / 407

Overall Ranking

158 / 4615

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 2 analysts

Strong Buy

Current Rating

18.750

Target Price

+14.54%

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Citizens Community Bancorp Inc Highlights

StrengthsRisks

Citizens Community Bancorp, Inc. is a bank holding company for Citizens Community Federal N.A. (the Bank). The Bank is a federally chartered national bank serving customers in Wisconsin and Minnesota. Its primary markets include the Chippewa Valley Region in Wisconsin, the Twin Cities and Mankato markets in Minnesota, and various rural communities around these areas. The Bank offers traditional community banking services to businesses, agricultural operators and consumers, including one-to-four family residential mortgages. The Bank offers a variety of loan products including commercial real estate loans, commercial and industrial (C&I) loans, agricultural real estate loans, agricultural operating loans, residential mortgages, home equity lines-of-credit and consumer loans. It maintains a portfolio of investments, consisting primarily of mortgage-backed securities, asset-backed securities, United States Government sponsored agency securities and corporate debt securities.

Growing

The company is in a growing phase, with the latest annual income totaling USD 48.93M.

High Dividend

The company is a high dividend payer, with the latest dividend payout ratio of 24.33%.

Stable Dividend

The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 24.33%.

Overvalued

The company’s latest PB is 0.85, at a high 3-year percentile range.

Institutional Buying

The latest institutional holdings are 6.01M shares, increasing 2.63% quarter-over-quarter.

Held by James Simons

Star Investor James Simons holds 44.60K shares of this stock.

Lower Market Activity

The company has less investor interest, with a 20-day turnover ratio of 0.18.

Financial Health

Currency: USD Updated: 2025-11-06

The company's current financial score is 4.99, which is lower than the Banking Services industry's average of 7.05. Its financial status is stable, and its operating efficiency is low. Its latest quarterly revenue reached 14.16M, representing a year-over-year increase of 16.18%, while its net profit experienced a year-over-year increase of 12.05%.

Score

Industry at a Glance

Previous score

4.99

Change



Financials

7.97

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

2.42

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

2.57

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

6.88

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

5.08

Key Metrics

Free cash flow

No Data

Citizens Community Bancorp Inc's Company Valuation

Currency: USD Updated: 2025-11-06

The company’s current valuation score is 8.79, which is higher than the Banking Services industry's average of 7.67. Its current P/E ratio is 12.56, which is 7.03% below the recent high of 13.44 and 61.26% above the recent low of 4.86.

Score

Industry at a Glance

Previous score

8.79

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 89/407

No Data

Earnings Forecast

Currency: USD Updated: 2025-11-06

The company’s current earnings forecast score is 9.00, which is higher than the Banking Services industry's average of 7.41. The average price target for Citizens Community Bancorp Inc is 18.75, with a high of 19.00 and a low of 18.50.

Score

Industry at a Glance

Previous score

9.00

Change

Support & Resistance

No Data

Analyst Rating

Based on 2 analysts

Strong Buy

Current Rating

18.750

Target Price

+14.54%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

295

Total

Median

Average

Company name

Ratings

Analysts

Citizens Community Bancorp Inc

CZWI

JPMorgan Chase & Co

JPM

Bank of America Corp

BAC

Wells Fargo & Co

WFC

US Bancorp

USB

Regions Financial Corp

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2025-11-06

The company’s current price momentum score is 9.21, which is higher than the Banking Services industry's average of 7.43. Sideways: Currently, the stock price is trading between the resistance level at 16.90 and the support level at 15.06, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

9.38

Change

-0.17

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(2)

Neutral(3)

Buy(2)

Indicators

Value

Direction

MACD(12,26,9)

0.166

Neutral

RSI(14)

57.131

Neutral

STOCH(KDJ)(9,3,3)

79.749

Neutral

ATR(14)

0.324

Low Volatility

CCI(14)

146.231

Buy

Williams %R

21.739

Buy

TRIX(12,20)

-0.008

Sell

StochRSI(14)

70.667

Sell

Moving Average

Sell(0)

Neutral(0)

Buy(6)

Indicators

Value

Direction

MA5

16.090

Buy

MA10

15.946

Buy

MA20

15.777

Buy

MA50

16.080

Buy

MA100

15.491

Buy

MA200

15.102

Buy

Institutional Confidence

Currency: USD Updated: 2025-11-06

The company’s current institutional recognition score is 5.00, which is lower than the Banking Services industry's average of 5.27. The latest institutional shareholding proportion is 60.94%, representing a quarter-over-quarter decrease of 7.13%. The largest institutional shareholder is The Vanguard, holding a total of 555.77K shares, representing 5.64% of shares outstanding, with 4.04% decrease in holdings.

Score

Industry at a Glance

Previous score

5.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

AllianceBernstein L.P.

959.39K

-1.83%

The Vanguard Group, Inc.

Star Investors

555.77K

+8.55%

Manulife Investment Management (North America) Limited

495.34K

-2.40%

1st & Main Growth Partners

412.00K

-12.11%

FJ Capital Management, LLC

383.66K

-29.33%

BlackRock Institutional Trust Company, N.A.

334.75K

+436.26%

Dimensional Fund Advisors, L.P.

322.78K

+5.78%

Fourthstone LLC

252.79K

+74.88%

Tontine Asset Management, LLC

248.32K

-1.04%

Geode Capital Management, L.L.C.

214.31K

+116.17%

Risk Assessment

Currency: USD Updated: 2025-11-06

The company’s current risk assessment score is 5.12, which is lower than the Banking Services industry's average of 6.61. The company's beta value is 0.70. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.