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Citizens Community Bancorp Inc

Financial Services US CZWI

20.55USD
0.04(0.20%)

Last update at 2026-06-04T20:00:00Z

Day Range

20.4421.12
LowHigh

52 Week Range

12.7622.62
LowHigh

Fundamentals

  • Previous Close 20.51
  • Market Cap197.48M
  • Volume72676
  • P/E Ratio14.05
  • Dividend Yield1.74%
  • Revenue TTM60.38M
  • Revenue Per Share TTM6.10
  • Gross Profit TTM 60.38M
  • Diluted EPS TTM1.46

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 17.44M 17.45M 18.93M 23.58M 28.96M
Minority interest - - - - -
Net income 14.42M 13.75M 13.06M 17.76M 21.27M
Selling general administrative 24.46M 23.54M 21.92M 22.60M 23.27M
Selling and marketing expenses 2.07M 0.79M 0.73M 1.02M 0.99M
Gross profit 49.25M 59.46M 59.01M 67.19M 69.69M
Reconciled depreciation 3.23M 3.42M 3.74M 1.45M 1.60M
Ebit 6.31M 17.45M 18.93M 39.19M 28.96M
Ebitda 8.90M 20.87M 22.67M 40.64M 30.55M
Depreciation and amortization 2.58M 3.42M 3.74M 1.45M 1.60M
Non operating income net other - - - - -
Operating income 6.31M 17.45M 18.93M 39.19M 28.96M
Other operating expenses 83.76M 81.98M 75.50M 1.02M -40.73100M
Interest expense 39.07M 43.14M 35.90M 13.03M 10.37M
Tax provision 3.02M 3.70M 5.87M 5.82M 7.69M
Interest income 87.63M 89.61M 84.25M 69.40M 64.03M
Net interest income 51.18M 46.47M 48.35M 56.37M 53.67M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 3.02M 3.70M 5.87M 5.82M 7.69M
Total revenue 90.07M 99.43M 94.44M 67.19M 69.69M
Total operating expenses 42.94M 42.01M 40.08M 1.02M -40.73100M
Cost of revenue 40.82M 39.97M 35.42M - -
Total other income expense net 11.13M 48.58M -5.39600M -15.60700M -10.36800M
Discontinued operations - - - - -
Net income from continuing ops 14.42M 13.75M 13.06M 17.76M 21.27M
Net income applicable to common shares - - - 17.76M 21.27M
Preferred stock and other adjustments - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 1781.76M 1748.52M 1851.39M 1816.39M 1739.63M
Intangible assets 0.40M 4.64M 5.56M 6.71M 8.06M
Earning assets - - - - -
Other current assets - - 44.34M 1393.60M 1131.87M
Total liab 1593.82M 1569.43M 1678.06M 1649.30M 169.95M
Total stockholder equity 187.94M 179.08M 173.33M 167.09M 170.87M
Deferred long term liab - - - - -
Other current liab 1025.25M 1488.15M 1312.90M 1424.72M 1387.54M
Common stock 0.10M 0.10M 0.10M 0.10M 0.10M
Capital stock 0.10M 0.10M 0.10M 0.10M 0.10M
Retained earnings 90.00M 80.84M 71.12M 65.40M 50.67M
Other liab - - - 7.69M 11.27M
Good will 31.50M 31.50M 31.50M 31.50M 31.50M
Other assets 156.50M 151.86M - 1436.79M 1131.87M
Cash 118.85M 50.17M 37.14M 35.61M 49.20M
Cash and equivalents - - - - -
Total current liabilities 0.52M 1493.15M 1377.98M 1424.72M 1387.54M
Current deferred revenue - - - - -
Net debt -67.04900M 16.43M 111.54M 179.33M 120.75M
Short term debt 0.52M 5.00M 65.08M - -
Short long term debt 0.00000M 5.00M - - -
Short long term debt total 51.80M 66.61M 148.68M 214.94M 169.95M
Other stockholder equity 110.31M 114.56M 119.44M 119.24M 119.92M
Property plant equipment - - - 20.49M 21.17M
Total current assets 1577.01M 128.70M 44.34M 40.90M 256.19M
Long term investments 223.22M 235.97M 252.98M 280.00M 290.84M
Net tangible assets - - - 133.14M 135.47M
Short term investments 134.10M 72.87M 155.74M 165.99M 203.07M
Net receivables 1324.05M 5.65M 5.41M 5.29M 3.92M
Long term debt 51.80M 66.61M 147.00M 214.94M 169.95M
Inventory - - -198.29000M 1.27M 1.41M
Accounts payable - - - 1424.72M 1387.54M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -12.46700M -16.42000M -17.32800M -17.65600M 0.16M
Additional paid in capital - - - - -
Common stock total equity - - - 0.10M 0.10M
Preferred stock total equity - - - - -
Retained earnings total equity - - - 65.40M 50.67M
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other -1320.80500M 53.74M 44.37M -338.70000M -351.56800M
Deferred long term asset charges - - - - -
Non current assets total 204.75M 1619.82M 1807.05M 338.70M 351.57M
Capital lease obligations - - - - -
Long term debt total - - - 72.41M 58.43M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 18.24M 113.74M -56.53100M -117.10600M -165.88500M
Change to liabilities - - - 0.00000M 0.00000M
Total cashflows from investing activities 45.71M 113.74M - -119.18700M -163.20100M
Net borrowings -15.00500M -80.61300M - 28.59M -12.08400M
Total cash from financing activities 11.28M -120.88100M 22.86M 77.57M 69.85M
Change to operating activities - - - 5.56M 0.00300M
Net income 14.42M 13.75M 13.06M 17.76M 21.27M
Change in cash 68.68M 13.03M 1.77M -12.32800M -71.74900M
Begin period cash flow 50.17M 37.14M 35.36M 47.69M 119.44M
End period cash flow 118.85M 50.17M 37.14M 35.36M 47.69M
Total cash from operating activities 11.69M 20.18M -33.78300M 29.29M 21.60M
Issuance of capital stock - - - - -
Depreciation 3.23M 3.42M 3.13M 4.03M 4.04M
Other cashflows from investing activities 45.71M 92.84M - 1.52M 6.46M
Dividends paid 3.60M 3.35M 3.04M 2.74M 2.51M
Change to inventory - - - - -
Change to account receivables -5.28600M -1.77500M 0.05M 0.08M 1.24M
Sale purchase of stock -6.24500M -6.21600M -0.55000M -1.91400M -7.98100M
Other cashflows from financing activities 35.95M -30.70600M 26.61M 183.85M 0.13M
Change to netincome - - - 11.53M 0.33M
Capital expenditures 1.31M 0.89M 1.37M 3.60M 3.78M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - -12.32800M -71.74900M
Change in working capital -2.05400M 0.94M 0.85M 6.60M 2.97M
Stock based compensation - - 0.72M 0.00300M 0.00800M
Other non cash items -0.67300M 1.69M -44.76600M -0.26300M -7.61900M
Free cash flow 10.38M 19.29M -35.15000M 25.69M 17.82M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
CZWI
Citizens Community Bancorp Inc		 0.04 0.20% 20.55 14.05 10.72 3.27 1.06 4.03
HDB
HDFC Bank Limited ADR		 0.48 2.04% 24.03 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 0.04 0.15% 30.44 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 1.22 2.50% 50.10 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.92 6.10 5.67 0.44 0.77 3.43

Reports Covered

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Profile

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.

Citizens Community Bancorp Inc

2174 EastRidge Center, Eau Claire, WI, United States, 54701

Key Executives

Name Title Year Born
Mr. Stephen M. Bianchi Chairman, Pres & CEO 1963
Mr. James S. Broucek Exec. VP, CFO, Treasurer & Sec. 1964
Mr. Mike M. Dietsch Community Bank Pres of Faribault NA
Mr. Stephen M. Bianchi Chairman of the Board, President & CEO 1963
Mr. James S. Broucek CFO, Principal Accounting Officer, Executive VP, Treasurer & Secretary 1964

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