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Citizens Community Bancorp, Inc.

CZWI • Banks - Regional
$22.07
▲ +0.24 (+1.10%)
Current price
EarningsLatest report: Jun 30, 2026
BALANCED PROFILENeutralConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology
Analysis thesis: Mixed profile. The company is not automatically unattractive, but valuation, growth, or balance-sheet evidence does not yet justify a stronger signal.
Market Cap
$205.52M
Growth
6.9%
Cash Flow
5/5
Trend
Stable
Evidence
Stable or improving margins · 16.0%Positive revenue growth · 5.6%Positive free cash flow · 1.07Consistent free cash flow · 5/5Reasonable earnings multiple · 12
Financial data as of: Jun 30, 2026, 12:00 AM UTCLast earnings update: Jun 30, 2026, 12:00 AM UTCLast profile update: Aug 7, 2026, 1:36 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$22.07
Change1.10%
Market Cap$205.52M
52W Range14.61 - 24.43
Beta0.51
Gross Margin54.68%
Oper. Margin7.01%
Profit Margin16.01%
Debt/Eq0.28
Current Ratio0.13
Quick Ratio0.13
Revenue 5Y6.93%

Investment DNA

How strong this company looks for long-term investors

66
out of 100
Business Quality
Margins, moat, returns
61/100
Financial Strength
Debt, cash, stability
39/100
Growth Potential
Revenue and expansion
46/100
Price Attractiveness
Cheap or expensive today
85/100
Why this score▼
Stable or improving margins · 16.0%Positive revenue growth · 5.6%Positive free cash flow · 1.07Consistent free cash flow · 5/5Reasonable earnings multiple · 12Manageable debt level · 0.28

Analyst view

Analyst sentiment and price target

Analyst sentiment
No vote count available
Bullish
0
Hold
0
Bearish
0
Price Target
2026-08-07
Low
$24.00
Mean
$24.00
Median
$24.00
High
$24.00

Company Overview

IPO: 3/30/2004
Industry: Banks - Regional
P/B i: 0.92
Debt / Equity i: 0.28
Operating Margin: 7.01%
Net Margin: 16.01%
ROE i: -
ROIC: -

Financial Health

Score8 / 20
Debt / Equity: 0.28
Current Ratio: 0.13
Quick Ratio: 0.13
Status: Moderate

Warnings

  • Weak Liquidity
  • Weak quick ratio

Insider Transactions

Recent executive and insider activity

FELBER FRANCIS E
Transaction: 09/09/2025
SELL
Change
-7,690
Price
Not reported
Filing
06/10/2026
Type
SELL
Bianchi Stephen M
Transaction: 06/02/2026
SELL
Change
-5,000
Price
$11.00
Filing
06/02/2026
Type
SELL
Bianchi Stephen M
Transaction: 06/02/2026
BUY
Change
+5,000
Price
$11.00
Filing
06/02/2026
Type
BUY