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Citizens Community Bancorp

CZWI

Citizens Community Bancorp, Inc. is a bank holding company that operates primarily through its subsidiary, Citizens Community Federal N.A. The company provides a comprehensive suite of community banking services, focusing on commercial, agricultural, and consumer lending across Wisconsin and Minnesota.

Market cap
$210.38M+30.9%
Revenue$64.2M+10.2%
Net income$12.8M+2.9%
Free cash flow$19.3M+166%
EPS (diluted)$1.31+5.7%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 26, 2026 (in a month)
Revenue estimate$16.9M
EPS estimate$0.47

Financials

Q2 2026

Income statement

See full
Revenue$16.1M-0.2%
Net income$1.1M-66.3%
EPS (diluted)$0.11-66.7%

Balance sheet

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Cash & equivalents$121.8M+80.5%
Total debt$633.0K-26.7%
Total equity$191.3M+4.3%
Total assets$1.8B+4.6%

Cash flow

See full
Operating cash flow$7.9M
CapEx$1.5M+553%
Free cash flow$6.4M

Valuation & ratios

Valuation

See full
Market cap$210.38M+30.9%
Enterprise value$89.25M-3.7%
P/E16.4×+3.6×
P/S3.3×+0.5×

Profitability

See full
Net margin19.9%-1.4pp
FCF margin30.1%+17.6pp

Returns & leverage

See full
Return on equity6.8%-0.1pp
Debt / equity0.0×

Segments

By segment

See full
Reportable Segment$24.6M-2.8%

Competitors

Profile

Citizens Community Bancorp, Inc. is a bank holding company that operates primarily through its subsidiary, Citizens Community Federal N.A. The company provides a comprehensive suite of community banking services, focusing on commercial, agricultural, and consumer lending across Wisconsin and Minnesota. Its core value proposition centers on delivering localized financial expertise to both urban markets and rural communities.

Competitive position

A regional community bank focused on the Chippewa Valley, Twin Cities, and Mankato markets with a specialized emphasis on agricultural and local commercial lending.

GeographiesUnited States, Wisconsin, Minnesota
Customer segmentsRetail, Commercial, Agricultural
Business modelInterest Spread, Traditional Banking, Relationship Banking
SuppliersFederal Reserve System, Depositors, Financial Technology Providers
CustomersSmall Businesses, Farmers, Residential Homebuyers, Local Municipalities
Listed2004
Employees232.0
CEOStephen Bianchi
Websiteccf.us
FilingsSEC EDGAR

FAQ

What is Citizens Community Bancorp's market cap?
Citizens Community Bancorp (CZWI) has a market capitalization of $210.4M and trades on NASDAQ.
What is Citizens Community Bancorp's revenue and profitability?
Citizens Community Bancorp generated $64.2M in trailing twelve-month revenue with net income of $12.8M, representing a net margin of 19.9%, with free cash flow of $19.3M. The latest reported period is Q2 2026.
Who are Citizens Community Bancorp's competitors?
Citizens Community Bancorp's key competitors include U.S. Bancorp, Wells Fargo & Company, Associated Banc-Corp, and others. These companies compete in similar markets and product categories.
What subsidiaries does Citizens Community Bancorp have?
Citizens Community Bancorp's subsidiaries include Citizens Community Federal N.A..
Where is Citizens Community Bancorp headquartered?
Citizens Community Bancorp is headquartered in United States of America and employs approximately 232 people. It has been publicly traded since 2004.