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Company Analysis

Citizens Community Bancorp, Inc CZWI

A comprehensive view of key metrics, scores, and financial health for Citizens Community Bancorp, Inc

Overview of Citizens Community Bancorp, Inc.

CZWI NGM
Financial Services Banks - Regional Micro Cap
Citizens Community Bancorp, Inc. (CZWI), is a Micro Cap company, in the Banks - Regional industry, last closed at $18.17, about 9.6% undervalued vs fair value, +25.4% 1Y return, ranked 831/1004 in sector.
$18.17
0.89%
As of March 13, 2026
Previous close • Vol 90d: 22.9%
52-Week Range
Market Cap
$175.52M
Enterprise Value
$108.47M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://ccf.us
HQ Eau Claire, WI
Fiscal year Dec 31

Next Events

Earnings Apr 27 Estimated

Fair Value Snapshot

Bear Base Bull
$11
$20
$37
Current: $18.17 +10% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$89.6M
6.4%%
Interest Expense
$39.1M
Net Interest Income
$46.5M
-3.9%%
Total Revenue
$90.1M
60%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
7.7%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$9.6M
69.5% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Citizens Community Bancorp, Inc's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
37
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
35
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing CZWI's balance between Growth (34.9%), Profitability (29.1%), and Safety (36.0%). Growth 35% Safety 36% Profitability 29%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

37th percentile vs peers
38
Key Signals
Rev Growth YoY 60.0% 54p Asset Growth YoY 1.9% 32p Revenue CAGR 3Y 10.3% 22p
Strengths

No notable strengths identified for this axis.

Risks
  • Growth below peer median (percentile: 37)

Profitability

31th percentile vs peers
32
Key Signals
Strengths
Risks
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Safety

39th percentile vs peers
39
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Citizens Community Bancorp, Inc.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$19.92
- - -
+9.6% vs current
Snapshot base estimate
Bull
-
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- upside
-
Fair Value Range Current: $-
$- $- $-
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