Citizens Community Bancorp, Inc. (CZWI) Market Cap
Citizens Community Bancorp, Inc. has a market capitalization of $197.7M.
Financials based on reported quarter end 2025-12-31
Price: $20.53
▲ 0.02 (0.10%)
Market Cap: 197.68M
NASDAQ · time unavailable
CEO: Stephen Bianchi
Sector: Financial Services
Industry: Banks - Regional
IPO Date: 2004-03-30
Website: https://www.ccf.us
Citizens Community Bancorp, Inc. (CZWI) - Company Information
Market Cap: 197.68M · Sector: Financial Services
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. The company accepts various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit. It also offers various loan products comprising 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 provides a portfolio of investments, such as mortgage-backed, corporate asset-backed, U.S. Government sponsored agency, corporate debt, and trust preferred securities. It operates through a network of 25 full-service branch in Wisconsin and Minnesota. Citizens Community Bancorp, Inc. was founded in 1938 and is based in Eau Claire, Wisconsin.
Analyst Sentiment
Based on 2 ratings
Consensus Price Target
No data available
Price & Moving Averages
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Fundamentals Overview
📊 AI Financial Analysis
Powered by StockMarketInfo"CZWI reported annual revenue of $15.76M and a net income of $4.27M, resulting in an EPS of $0.44. The company exhibits robust growth with a 1-year price increase of 33.08%. With total assets of $1.78B, liabilities at $1.59B, and equity amounting to $187.94M, CZWI maintains a healthy balance sheet, evidenced by a negative net debt of $67.05M, indicating strong liquidity. The operating cash flow stands at $3.86M, with free cash flow of $3.76M, showcasing satisfactory cash flow generation despite no dividends paid recently. The company has consistently paid dividends over the past few years, with the most recent dividend of $0.105. Overall, CZWI presents a favorable outlook, given its strong profitability metrics, solid balance sheet, and significant price appreciation, driving positive shareholder returns. However, investors should consider its valuation and market conditions when evaluating potential opportunities."
Revenue Growth
Revenue of $15.76M reflects positive growth but may be moderately below expectations for rapid growth.
Profitability
Strong net income of $4.27M shows solid profitability with a good net income margin.
Cash Flow Quality
Healthy operating cash flow and free cash flow demonstrate quality cash generation.
Leverage & Balance Sheet
Strong balance sheet with excess assets over liabilities and negative net debt indicates financial stability.
Shareholder Returns
Significant 1-year price increase and consistent dividends contribute positively to shareholder returns.
Analyst Sentiment & Valuation
Market performance shows positive sentiment but lacks a current price target for valuation context.
Disclaimer:This analysis is AI-generated for informational purposes only. Accuracy is not guaranteed and this does not constitute financial advice.