CZWI
Citizens Community Bancorp Inc.
Next earnings Jul 27, 2026 · consensus $0.42 EPS, $16.6M rev
Last earnings +1.1% on 2026-04-27
$23.54
▲ +3.16%$23.54▲ +80.35%
over 1Y
L $12.81EODHDH $23.54
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+3.2%
1W+6.4%
1M+13.9%
3M+22.6%
YTD+36.5%
1Y+80.4%
Sell
Conviction
Horizon
Medium (3–12mo)
Street · 8 analysts
Buy
Mixed signals in the latest filings.
The read
Weak on both the fundamentals and the price — little to like at the current level.
Citizens Community Bancorp Inc. shows limited reported revenue, and 7.7% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $21.3M | $17.8M | $13.1M | $13.8M | $14.4M |
| Diluted EPS | $1.98 | $1.69 | $1.25 | $1.34 | $1.46 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF21.8
PEG (trailing)3.31
Earnings yield6.4%
FCF yield4.6%
Quality & risk
ROIC (est.)—
Free cash flow$10.4M
Total debt$51.8M
Net cash$67.0M
Piotroski F-Score5/6
Capital returns
Buyback yield2.7%
Dividend yield (est.)1.6%
Shareholder yield4.3%
Shares Δ YoY-3.6%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗8-KPeriod ending 2026-06-162026-06-17open ↗4Period ending 2025-09-092026-06-10open ↗SCHEDULE 13DFiling2026-06-04open ↗4Period ending 2026-06-022026-06-02open ↗4Period ending 2026-06-012026-06-02open ↗4Period ending 2026-05-182026-05-18open ↗4Period ending 2026-05-182026-05-18open ↗SCHEDULE 13G/AFiling2026-05-18open ↗SCHEDULE 13GFiling2026-05-15open ↗4Period ending 2026-05-142026-05-15open ↗144Filing2026-05-14open ↗4Period ending 2026-05-082026-05-11open ↗
Frequently asked
- Is Citizens Community Bancorp Inc. (CZWI) a buy?
- CZWI currently carries a Sell rating with 2/5 conviction, derived from its latest SEC filings. Mixed signals in the latest filings.
- What is CZWI's fair value?
- A Modified-Graham model based on CZWI's SEC fundamentals estimates a fair value of about $20.76. It is an estimate from reported earnings, not a price target.
- Is CZWI overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, CZWI currently appears fairly valued relative to its SEC-grounded earnings power.
- What is Citizens Community Bancorp Inc.'s quality score?
- CZWI scores 67.47058823529412/100 (grade B-) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001367859, latest 10-Q filed 2026-05-06) · EODHD · as of 6/26/2026, 8:06:01 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.