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Citizens Community Bancorp, Inc. CZWI

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Price alert · CZWI

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23.74 USD -0.66 (-2.70%)

At closeNov 5, 2026, 4:00 PM EST

23.74 0.00 0.00%

After hours · Nov 5, 4:00 PM ET

23.69 Day range 24.71
16.11 52-week range 24.71
YTD
+33.22%
1 year
+45.02%

Financial health

Altman Z-Score

-0.58 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

B-3 / 5 overall

  • DCF 3
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 3
  • P/E 2
  • P/B 3

Valuation

P/E 12.2×
FY 2016: 29.7×FY 2017: 0.0×FY 2018: 27.9×FY 2019: 14.4×FY 2020: 9.6×FY 2021: 7.0×FY 2022: 7.1×FY 2023: 9.4×FY 2024: 12.2×FY 2025: 12.2×
FY 2016 5y median 9.4× FY 2025
P/S 1.9×
FY 2016: 2.3×FY 2017: 0.0×FY 2018: 43.6×FY 2019: 1.9×FY 2020: 1.5×FY 2021: 1.8×FY 2022: 1.6×FY 2023: 1.3×FY 2024: 1.7×FY 2025: 1.9×
FY 2016 5y median 1.7× FY 2025
P/B 0.9×
FY 2016: 1.0×FY 2017: 0.0×FY 2018: 0.9×FY 2019: 0.9×FY 2020: 0.8×FY 2021: 0.9×FY 2022: 0.8×FY 2023: 0.7×FY 2024: 0.9×FY 2025: 0.9×
FY 2016 5y median 0.9× FY 2025
P/FCF 16.7×
FY 2016: 56.9×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 22.4×FY 2020: 5.7×FY 2021: 8.3×FY 2022: 4.9×FY 2023: 10.4×FY 2024: 8.6×FY 2025: 16.7×
FY 2016 5y median 8.6× FY 2025
EV/EBITDA 11.1×
FY 2016: 29.3×FY 2017: 0.0×FY 2018: 21.5×FY 2019: 15.2×FY 2020: 7.5×FY 2021: 8.1×FY 2022: 11.1×FY 2023: 10.3×FY 2024: 8.7×FY 2025: 11.1×
FY 2016 5y median 10.3× FY 2025
EV/Sales 1.2×
FY 2016: 4.5×FY 2017: 0.0×FY 2018: 73.3×FY 2019: 3.4×FY 2020: 2.2×FY 2021: 3.4×FY 2022: 3.8×FY 2023: 2.5×FY 2024: 1.8×FY 2025: 1.2×
FY 2016 5y median 2.5× FY 2025
FCF Yield 6.0%
FY 2016: 1.8%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 4.5%FY 2020: 17.5%FY 2021: 12.1%FY 2022: 20.3%FY 2023: 9.6%FY 2024: 11.6%FY 2025: 6.0%
FY 2016 5y median 11.6% FY 2025

Profitability

Gross Margin 54.7%
FY 2016: 81.7%FY 2017: 0.0%FY 2018: 100.0%FY 2019: 72.1%FY 2020: 73.4%FY 2021: 87.0%FY 2022: 81.9%FY 2023: 62.5%FY 2024: 59.8%FY 2025: 54.7%
FY 2016 5y median 62.5% FY 2025
Operating Margin 7.0%
FY 2016: 11.8%FY 2017: 0.0%FY 2018: 266.5%FY 2019: 16.8%FY 2020: 20.9%FY 2021: 36.2%FY 2022: 29.4%FY 2023: 20.0%FY 2024: 17.6%FY 2025: 7.0%
FY 2016 5y median 20.0% FY 2025
Net Margin 16.0%
FY 2016: 7.7%FY 2017: 0.0%FY 2018: 184.4%FY 2019: 12.9%FY 2020: 15.4%FY 2021: 26.6%FY 2022: 22.1%FY 2023: 13.8%FY 2024: 13.8%FY 2025: 16.0%
FY 2016 5y median 16.0% FY 2025
ROE 7.7%
FY 2016: 3.4%FY 2017: 0.0%FY 2018: 3.7%FY 2019: 6.3%FY 2020: 7.9%FY 2021: 12.4%FY 2022: 10.6%FY 2023: 7.5%FY 2024: 7.7%FY 2025: 7.7%
FY 2016 5y median 7.7% FY 2025
ROIC 2.0%
FY 2016: 1.3%FY 2017: 0.0%FY 2018: 1.8%FY 2019: 2.8%FY 2020: 3.6%FY 2021: 6.0%FY 2022: 4.5%FY 2023: 3.9%FY 2024: 5.3%FY 2025: 2.0%
FY 2016 5y median 4.5% FY 2025
ROA 0.8%
FY 2016: 0.3%FY 2017: 0.0%FY 2018: 0.4%FY 2019: 0.6%FY 2020: 0.8%FY 2021: 1.2%FY 2022: 1.0%FY 2023: 0.7%FY 2024: 0.8%FY 2025: 0.8%
FY 2016 5y median 0.8% FY 2025

Growth (YoY)

Revenue -9.4%
FY 2016: 11.4%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 2577.4%FY 2020: 12.9%FY 2021: -3.2%FY 2022: 0.2%FY 2023: 17.7%FY 2024: 5.3%FY 2025: -9.4%
FY 2016 FY 2025
Operating Income -63.8%
FY 2016: -1.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 68.5%FY 2020: 40.8%FY 2021: 67.6%FY 2022: -18.6%FY 2023: -19.7%FY 2024: -7.8%FY 2025: -63.8%
FY 2016 FY 2025
EPS (diluted) 9.0%
FY 2016: -22.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 123.7%FY 2020: 34.1%FY 2021: 73.7%FY 2022: -14.6%FY 2023: -26.0%FY 2024: 7.2%FY 2025: 9.0%
FY 2016 FY 2025
Free Cash Flow -46.2%
FY 2016: -72.5%FY 2017: 505.8%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 249.7%FY 2021: -16.0%FY 2022: 44.1%FY 2023: -54.2%FY 2024: 64.0%FY 2025: -46.2%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.0×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.1×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.0×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.1×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.3×
FY 2016: 1.6×FY 2017: 0.0×FY 2018: 1.0×FY 2019: 1.2×FY 2020: 1.1×FY 2021: 1.0×FY 2022: 1.3×FY 2023: 0.8×FY 2024: 0.4×FY 2025: 0.3×
FY 2016 5y median 0.8× FY 2025
Net Debt / EBITDA -7.0×
FY 2016: 14.3×FY 2017: 0.0×FY 2018: 8.7×FY 2019: 6.9×FY 2020: 2.5×FY 2021: 3.7×FY 2022: 6.5×FY 2023: 4.8×FY 2024: 0.8×FY 2025: -7.0×
FY 2016 5y median 3.7× FY 2025
Interest Coverage 0.2×
FY 2016: 0.7×FY 2017: 0.0×FY 2018: 0.8×FY 2019: 0.7×FY 2020: 1.2×FY 2021: 2.8×FY 2022: 1.8×FY 2023: 0.5×FY 2024: 0.4×FY 2025: 0.2×
FY 2016 5y median 0.5× FY 2025

Dividends

Dividend Yield 2.1%
FY 2016: 1.1%FY 2017: 0.0%FY 2018: 1.8%FY 2019: 1.6%FY 2020: 2.0%FY 2021: 1.7%FY 2022: 2.2%FY 2023: 2.5%FY 2024: 2.0%FY 2025: 2.1%
FY 2016 5y median 2.1% FY 2025
Payout Ratio 25.0%
FY 2016: 33.7%FY 2017: 0.0%FY 2018: 43.4%FY 2019: 23.2%FY 2020: 18.6%FY 2021: 11.8%FY 2022: 15.4%FY 2023: 23.3%FY 2024: 24.3%FY 2025: 25.0%
FY 2016 5y median 23.3% FY 2025

Annual · latest fiscal year ends 2025-12-31