Citizens Community Bancorp Stock Analysis

CZWI Stock  USD 16.41  0.03  0.18%   
Citizens Community Bancorp is undervalued with Real Value of 17.45 and Target Price of 18.75. The main objective of Citizens Community stock analysis is to determine its intrinsic value, which is an estimate of what Citizens Community Bancorp is worth, separate from its market price. There are two main types of Citizens Community's stock analysis: fundamental analysis and technical analysis.
The Citizens Community stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and Citizens Community's ongoing operational relationships across important fundamental and technical indicators.
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Citizens Community Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in population.

Citizens Stock Analysis Notes

About 62.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 0.84. Some equities with similar Price to Book (P/B) outperform the market in the long run. Citizens Community last dividend was issued on the 7th of February 2025. The entity had 191:100 split on the 1st of November 2006. 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. Citizens Community Bancorp, Inc. was founded in 1938 and is based in Eau Claire, Wisconsin. Citizens Community operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 225 people. For more info on Citizens Community Bancorp please contact the company at 715 836 9994 or go to https://ccf.us.

Citizens Community Quarterly Total Revenue

19.66 Million

Citizens Community Investment Alerts

Citizens Community is unlikely to experience financial distress in the next 2 years
About 62.0% of the company shares are held by institutions such as insurance companies
Latest headline from benzinga.com: Maplebear Q3 2025 Earnings Call Transcript

Citizens Community Upcoming and Recent Events

Every quarterly earnings report provides investors with three things: an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Citizens Community previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
29th of January 2024
Upcoming Quarterly Report
View
23rd of April 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
29th of January 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
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31st of December 2022
Last Financial Announcement
View

Citizens Largest EPS Surprises

Earnings surprises can significantly impact Citizens Community's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2023-10-24
2023-09-300.270.24-0.0311 
2020-04-28
2020-03-310.20.230.0315 
2018-04-27
2018-03-310.260.23-0.0311 
View All Earnings Estimates

Citizens Community Environmental, Social, and Governance (ESG) Scores

Citizens Community's ESG score is a quantitative measure that evaluates Citizens Community's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Citizens Community's operations that may have significant financial implications and affect Citizens Community's stock price as well as guide investors towards more socially responsible investments.

Citizens Stock Institutional Investors

Shares
Wellington Management Company Llp2025-06-30
113.7 K
Royce & Associates, Lp2025-06-30
112 K
Arrowstreet Capital Limited Partnership2025-06-30
98.6 K
State Street Corp2025-06-30
95.6 K
Pinnacle Holdings, Llc2025-06-30
91.3 K
Northern Trust Corp2025-06-30
89.1 K
Rfg - Bristol Wealth Advisors, Llc2025-06-30
89 K
O'shaughnessy Asset Management Llc2025-06-30
63.3 K
Empowered Funds, Llc2025-06-30
61.1 K
Alliancebernstein L.p.2025-06-30
959.4 K
Vanguard Group Inc2025-06-30
555.8 K
Note, although Citizens Community's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Citizens Market Capitalization

The company currently falls under 'Small-Cap' category with a current market capitalization of 158.81 M.

Citizens Profitablity

The company has Profit Margin (PM) of 0.22 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.32 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.32.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.01 
Return On Capital Employed 0.07  0.07 
Return On Assets 0.01  0.01 
Return On Equity 0.08  0.08 

Management Efficiency

The Citizens Community's current Return On Tangible Assets is estimated to increase to 0.01. The Citizens Community's current Return On Capital Employed is estimated to increase to 0.07. As of now, Citizens Community's Return On Tangible Assets are increasing as compared to previous years. The Citizens Community's current Return On Assets is estimated to increase to 0.01, while Other Assets are projected to decrease to under 144.3 M. Citizens Community's management efficiency ratios could be used to measure how well Citizens Community manages its routine affairs as well as how well it operates its assets and liabilities.
Last ReportedProjected for Next Year
Book Value Per Share 17.56  18.44 
Tangible Book Value Per Share 14.02  7.48 
Enterprise Value Over EBITDA 8.80  8.36 
Price Book Value Ratio 0.93  1.17 
Enterprise Value Multiple 8.80  8.36 
Price Fair Value 0.93  1.17 
Enterprise Value130.2 M71.5 M
Effective management at Citizens Community has been a driving force behind its market achievements. We assess the correlation between management practices and financial success to determine the stock's value.
Dividend Yield
0.0221
Operating Margin
0.3208
Profit Margin
0.2179
Forward Dividend Yield
0.0221
Beta
0.714

Technical Drivers

As of the 12th of November 2025, Citizens Community shows the Mean Deviation of 0.9509, downside deviation of 1.18, and Risk Adjusted Performance of 0.0689. Citizens Community technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices.

Citizens Community Price Movement Analysis

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Citizens Community Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Citizens Community insiders, such as employees or executives, is commonly permitted as long as it does not rely on Citizens Community's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Citizens Community insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.

Citizens Community Outstanding Bonds

Citizens Community issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Citizens Community uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Citizens bonds can be classified according to their maturity, which is the date when Citizens Community Bancorp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

Citizens Community Predictive Daily Indicators

Citizens Community intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Citizens Community stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

Citizens Community Corporate Filings

F4
5th of November 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
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10Q
4th of November 2025
Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations
ViewVerify
8K
29th of October 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
8K
27th of October 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
13th of August 2025
Other Reports
ViewVerify
10Q
7th of August 2025
Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations
ViewVerify
F4
5th of August 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
1st of August 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify

Citizens Community Forecast Models

Citizens Community's time-series forecasting models are one of many Citizens Community's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Citizens Community's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About Citizens Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Citizens Community prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Citizens shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Citizens Community. By using and applying Citizens Stock analysis, traders can create a robust methodology for identifying Citizens entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.18  0.16 
Operating Profit Margin 0.18  0.22 
Net Profit Margin 0.14  0.11 
Gross Profit Margin 0.60  0.48 

Current Citizens Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Citizens analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Citizens analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
18.75Strong Buy2Odds
Citizens Community Bancorp current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most Citizens analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Citizens stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Citizens Community, talking to its executives and customers, or listening to Citizens conference calls.
Citizens Analyst Advice Details

Citizens Stock Analysis Indicators

Citizens Community Bancorp stock analysis indicators help investors evaluate how Citizens Community stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Citizens Community shares will generate the highest return on investment. By understating and applying Citizens Community stock analysis, traders can identify Citizens Community position entry and exit signals to maximize returns.
Begin Period Cash Flow37.1 M
Long Term Debt66.6 M
Common Stock Shares Outstanding10.2 M
Total Stockholder Equity179.1 M
Total Cashflows From Investing Activities113.7 M
Tax Provision3.7 M
Quarterly Earnings Growth Y O Y0.156
Property Plant And Equipment Net17.1 M
Cash And Short Term Investments123 M
Cash50.2 M
Net Debt16.4 M
50 Day M A16.0712
Total Current Liabilities1.5 B
Other Operating Expenses82 M
Non Current Assets Total1.6 B
Forward Price Earnings10.7181
Non Currrent Assets Other53.7 M

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When running Citizens Community's price analysis, check to measure Citizens Community's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Citizens Community is operating at the current time. Most of Citizens Community's value examination focuses on studying past and present price action to predict the probability of Citizens Community's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Citizens Community's price. Additionally, you may evaluate how the addition of Citizens Community to your portfolios can decrease your overall portfolio volatility.
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