CZWI
Citizens Community Bancorp, Inc.
CZWI's fundamentals are mixed, but it looks expensive: trading at 16x earnings, above its usual 9.1x.
CZWI Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CZWI's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like CZWI.
CZWI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.9x | $10.36 | -56% |
| Fair | 9.1x | $13.62 | -42% |
| Expensive | 13x | $19.92 | -15% |
| Current | 16x | $23.44 | — |
Historical ranges are pointers, not guarantees.
CZWI's PE is in its expensive range at 16x.
CZWI Forward outlook
There aren't enough analyst estimates for CZWI to show an outlook.
CZWI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $1.50 | +15% |
| Q2 2026 | $1.31 | +4.8% |
| Q1 2026 | $1.53 | +20% |
| Q4 2025 | $1.46 | +9% |
| Q3 2025 | $1.30 | -7.8% |
| Q2 2025 | $1.25 | -6% |
| Q1 2025 | $1.27 | -1.6% |
| Q4 2024 | $1.34 | +7.2% |
CZWI earned $1.50 per share over the past year, up 15% from the year before.
CZWI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $17.4M | +7% |
| Q2 2026 | $16.1M | -0.2% |
| Q1 2026 | $16.1M | +14% |
| Q4 2025 | $15.8M | +15% |
| Q3 2025 | $16.2M | +14% |
| Q2 2025 | $16.1M | +20% |
| Q1 2025 | $14.2M | -6.5% |
| Q4 2024 | $13.7M | -3.6% |
CZWI's revenue has picked up after two years of holding roughly level: $17M last quarter, up 7% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 38% | +10 points |
| Q2 2026 | 7.7% | -17 points |
| Q1 2026 | 29% | +0.7 points |
| Q4 2025 | 31% | +6.5 points |
| Q3 2025 | 28% | -1.5 points |
| Q2 2025 | 25% | -9.9 points |
| Q1 2025 | 28% | -6.2 points |
| Q4 2024 | 24% | -8.3 points |
CZWI's operating margin was 38% last quarter, up 10 points from the same quarter a year ago.
CZWI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $5.1M | -18% |
| Q2 2026 | $6.4M | +$7.1M |
| Q1 2026 | $3.4M | +125% |
| Q4 2025 | $3.3M | +39% |
| Q3 2025 | $6.2M | +87% |
| Q2 2025 | -$632K | -113% |
| Q1 2025 | $1.5M | -83% |
| Q4 2024 | $2.4M | -30% |
CZWI's free cash flow was $18M over the past year, up 92% from the year before. Free cash flow isn't a meaningful measure for financial services companies like CZWI.
CZWI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -10K shares |
| 1 year | -2.9% | -284K shares |
| 3 years | -8% | -833K shares |
| 5 years | -11% | -1.3M shares |
| Available history | -13% | -1.5M shares |
CZWI has 10M diluted shares, down 2.9% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.5M |
| Q4 2025 | $4M |
| Q3 2025 | $2M |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | $1.4M |
| Q3 2024 | $2.9M |
| Q2 2024 | $1.2M |
CZWI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.2x | Net Cash |
| Q2 2026 | -4.0x | Net Cash |
| Q1 2026 | -4.7x | Net Cash |
| Q4 2025 | -3.3x | Net Cash |
| Q3 2025 | -1.9x | Net Cash |
| Q2 2025 | -0.3x | Net Cash |
| Q1 2025 | -2.0x | Net Cash |
| Q4 2024 | 0.6x | Very low |
CZWI has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CZWI.
CZWI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 66.1 | Neutral |
| Stochastic | 78.7 | Neutral |
CZWI's weekly RSI is 66 (neutral) and its Stochastic is 79 (neutral).
CZWI PE vs Financial Services Sector
| Metric | CZWI | Sector median | Relative |
|---|---|---|---|
| PE | 16x | 13x | 20% above |
| PE % | 92 | 63 | 29 pts above |
CZWI is trading at 16x earnings, a 20% premium to the Financial Services sector's median of 13x.
CZWI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $22.1 | 6.2% above |
| 20 week MA | $22.1 | 6.1% above |
| 50 week MA | $20.5 | 14% above |
| 100 week MA | $17.9 | 31% above |
| 200 week MA | $14.7 | 59% above |
CZWI is in an uptrend: it's above all five of its weekly moving averages, and 59% above its 200-week average.
CZWI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $12.3 | $11.0 | -10% |
| 2021 | $11.0 | $13.8 | +25% |
| 2022 | $13.8 | $11.8 | -14% |
| 2023 | $11.8 | $11.7 | -0.4% |
| 2024 | $11.7 | $16.5 | +41% |
| 2025 | $16.5 | $18.0 | +8.9% |
| 2026 YTD | $18.0 | $23.4 | +31% |
CZWI is up 31% so far in 2026, after finishing lower in three of the previous six years.