Citizens Community Bancorp (CZWI) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Citizens Community Bancorp

NasdaqGM•Financial Services•Banks - Regional

$22.07+0.24(0.01%)Market closed

Market Cap

$213.09M

P/E

16.6x

P/S

2.2x

P/B

1.1x

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 in the United States, Wisconsin, Minnesota and internationally. The company offers various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit. It also provides various loan products, such as 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 maintains a portfolio of investments comprising mortgage-backed, asset-backed, U.S. Government sponsored agency, and corporate debt securities. Citizens Community Bancorp, Inc. was founded in 1938 and is based in Eau Claire, Wisconsin.

How this company scores

WeakMetricSide Score: 71/100

Grade capped at D — Interest coverage below 1× (0.1x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (22/25); weakest: Growth (13/25).

Profitability18/25

Growth13/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality22/25

Strengths

Rising free cash flowStrong marginsLow leverageProfit converts from growth

Grade capped at D

Interest coverage below 1× (0.1x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 16.6x5y range 5.9x – 16.6x

Currently above its 20-quarter median.

P/S · 2.2x5y range 1.0x – 2.2x

Currently above its 20-quarter median.

P/B · 1.1x5y range 0.6x – 1.1x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Revenue Decline

Watch

Revenue has softened, declining in 4 quarters. Watch for further erosion.

Price & Volume

Market Cap $213.09M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $99.00M
Q. Revenue: $24.64M
TTM EBITDA: $17.07M
TTM Op. Income: $15.12M
Q. Op. Income: $1.21M
TTM Net Income: $12.81M
Q. Net Income: $1.10M
EPS: $0.11
Shares Out.: $9.64M

$99.00M in TTM revenue grew 0.6% YoY, reaching $24.64M last quarter. TTM EBITDA of $17.07M and TTM operating income of $15.12M show growth is flowing through to the bottom line. TTM net income of $12.81M means revenue is converting into profit. Over the past year, TTM revenue is up 1% — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 65.4%
EBITDA Margin: 6.9%
Op. Margin: 4.9%
Net Margin: 4.5%

Op. margin of 4.9% is down 11.8% YoY — costs are rising relative to revenue. Net margin at 4.5% and gross margin of 65.4% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has fallen for 2 consecutive quarters — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 16.6x
P/S Ratio: 2.2x
P/B Ratio: 1.1x

At 16.6x P/E, the stock trades within typical market levels. P/S of 2.2x and P/B of 1.1x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $1.81B
Cash: $121.76M
Long-Term Debt: $51.88M
Book Value: $191.35M
D/E Ratio: 0.3
Debt/EBITDA: 30.5

With $1.81B in assets and $51.88M in long-term debt, D/E is 0.3and book value is $191.35M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 2 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $7.91M
TTM Free Cash Flow: $19.35M
FCF Margin: 19.5%
FCF / Net Income: 1.5

TTM FCF of $19.35M on $7.91M in operating cash flow. The FCF / Net Income ratio of 1.5x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 4 consecutive quarters — an improving trend.