CZWI logo

CITIZENS COMMUNITY BANCORP I

CZWINASDAQ
🏆 #3712 by market capUS Equity
$527.74▼ $23.12 (−4.38%)
Simulated price
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24h▼ 4.4%
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🏦Market Cap
$204M
Small Cap
📈Revenue Growth (YoY)
-9.4%
Declining
📊Gross Margin
55.7%
Healthy
💵FCF Margin
24.4%
Strong
⚖️P/S Ratio
2.3x
Cheap
Otter Score
64
Fair
No chart data available for CZWI.

Trading Snapshot

Day Range
$525.85 – $530.35
52-Week Range
$14.61 – $24.43
Volume
$1.90B
Avg Volume
$2.24B
Shares Outstanding
9.6M
Next Earnings
Nov 27, 2026

Fundamentals Snapshot

Annual Revenue
$90M
Last Q Revenue
$22M
P/E Ratio
16.2
P/S Ratio
2.3x
EPS (TTM)
$1.28
Dividend Yield
1.49%
Dilution (1yr)
−3.3%

Why Investors Own CZWI

  • ✓High-growth profile — revenue up +2.3% YoY with expanding US Equity exposure.
  • ✓Healthy economics — 75% gross margin and 24% free-cash-flow margin.
  • ✓New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

CZWI logo

CITIZENS COMMUNITY BANCORP I

CZWI
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$90M▼ −9.4% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
54.7%▼ −8.6% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$6M▼ −63.8% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$10M▼ −46.2% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
9.7M▼ −3.3% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$67M▲ +$83M YoY
StockOtter · stockotter.space

About CITIZENS COMMUNITY BANCORP I

Citizens Community Bancorp, Inc. functions as the parent entity for Citizens Community Federal N.A., offering a comprehensive array of conventional banking solutions to businesses, agricultural enterprises, and individual customers. The company facilitates client deposits through diverse products, including checking accounts, savings and money market accounts, and certificates of deposit (CDs). Its lending portfolio is equally broad, encompassing commercial real estate loans, commercial and industrial financing, agricultural land and operational loans, consumer credit, mortgages for one-to-four family residences, and home equity lines of credit. Furthermore, Citizens Community Bancorp manages an investment portfolio featuring various securities such as mortgage-backed, corporate asset-backed, U.S. government agency-sponsored, corporate debt, and trust preferred instruments. Its operations span Wisconsin and Minnesota, supported by a network of 25 full-service branches. Established in 1938, the bank holding company is headquartered in Eau Claire, Wisconsin.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)
💎Quality★★★★★
🚀Growth★★★★★
⚖️Valuation★★★★★
⚡Momentum★★★★★
💧Dilution★★★★★
Overall Score
Fair
64/100

Analyst Price Target

ⓘ
Average Target
$592.47
▲ +12.3% Upside
High Target$704.00
Low Target$468.99
Based on 37 analysts

Latest News & Updates

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MarketWatch·2h ago

CITIZENS COMMUNITY BANCORP I tops quarterly estimates as demand accelerates

Revenue grew double digits with management guiding above consensus; margins continued to expand.

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Bloomberg·5h ago

Analysts lift CZWI price targets on improving margins

Several firms raised targets, citing stronger free cash flow and a healthier backlog.

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Reuters·1d ago

CITIZENS COMMUNITY BANCORP I announces new agreement to expand its footprint

The move broadens the company’s reach and could add incremental revenue over the next year.