Citizens Community Bancorp, Inc.
General ticker "CZWI" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $163.1M (TTM average)
Citizens Community Bancorp, Inc. follows the US Stock Market performance with the rate: 55.3%.
Estimated limits based on current volatility of 2.4%: low 20.21$, high 21.22$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-05-08, amount 0.10$ (Y1.95%)
- Total employees count: 232 (0.0%) as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Geopolitical risks, Pandemic risks, Financing risks, Reputation and brand risks
- Price in estimated range
- Earnings for 3 months up through Q1 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [15.56$, 20.66$]
- 2026-12-31 to 2027-12-31 estimated range: [15.90$, 21.38$]
Financial Metrics affecting the CZWI estimates:
- Positive: with PPE of 12.4 at the end of fiscal year the price was neutral
- Positive: -5.39 < Operating profit margin, % of 7.01
- Positive: 6.59 < Operating cash flow per share per price, % of 6.65
- Negative: Shareholder equity ratio, % of 10.55 <= 19.24
- Positive: Investing cash flow per share per price, % of 25.98 > -0.60
- Positive: Inventory ratio change, % of 0 <= 0
- Positive: Industry earnings per price (median), % of 7.25 > 4.45
- Negative: Return on assets ratio (scaled to [-100,100]) of 0.80 <= 1.81
- Positive: Industry operating profit margin (median), % of 22.72 > 9.60
- Positive: Industry inventory ratio change (median), % of 0 <= 0
Short-term CZWI quotes
Long-term CZWI plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $58.54MM | $56.29MM | $90.07MM |
| Operating Expenses | $39.60MM | $38.84MM | $83.76MM |
| Operating Income | $18.93MM | $17.45MM | $6.31MM |
| Non-Operating Income | $0.00MM | $0.00MM | $11.13MM |
| Interest Expense | $35.90MM | $43.14MM | $36.45MM |
| Income(Loss) | $18.93MM | $17.45MM | $17.44MM |
| Taxes | $5.87MM | $3.70MM | $3.02MM |
| Net Income(Loss)* | $13.06MM | $13.75MM | $14.42MM |
| Stockholders Equity | $173.33MM | $179.08MM | $187.94MM |
| Assets | $1,851.39MM | $1,748.52MM | $1,781.76MM |
| Operating Cash Flow | $13.12MM | $20.40MM | $11.69MM |
| Capital expenditure | $1.37MM | $0.89MM | $1.31MM |
| Investing Cash Flow | $-34.20MM | $113.74MM | $45.71MM |
| Financing Cash Flow | $22.86MM | $-121.11MM | $11.28MM |
| Earnings Per Share** | $1.25 | $1.35 | $1.49 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.