Stock Scorecard
Stock Summary for Citizens Community Bancorp Inc MD (CZWI) - $18.17 as of 3/13/2026 9:11:40 PM EST
Total Score
20 out of 30
Safety Score
60 out of 100
Currently on the following lists
None
Tim's Recommendation
Buy
Growth List Algorithm Criteria for CZWI
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for CZWI
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for CZWI
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for CZWI
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for CZWI (60 out of 100)
| Stock Price Rating (Max of 10) | 6 |
| Historical Stock Price Rating (Max of 10) | 5 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 6 |
| Book Value to Price (Max of 10) | 6 |
| Analyst Buy Ratings (Max of 5) | 2 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 8 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 3 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for CZWI
| Citizens Community (NASDAQ: CZWI) redeems $15M subordinated debt; EPS $0.37 10/27/2025 8:30:00 AM |
Financial Details for CZWI
Company Overview |
|
|---|---|
| Ticker | CZWI |
| Company Name | Citizens Community Bancorp Inc MD |
| Country | USA |
| Description | Citizens Community Bancorp, Inc. is a bank holding company for Citizens Community Federal NA providing a variety of traditional community banking services to businesses, agricultural operators, and consumers. The company is headquartered in Eau Claire, Wisconsin. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 12/31/2025 |
| Next Earnings Date | 4/27/2026 |
Stock Price History |
|
| Last Day Price | 18.17 |
| Price 4 Years Ago | 11.12 |
| Last Day Price Updated | 3/13/2026 9:11:40 PM EST |
| Last Day Volume | 63,415 |
| Average Daily Volume | 60,085 |
| 52-Week High | 19.08 |
| 52-Week Low | 12.62 |
| Last Price to 52 Week Low | 43.98% |
Valuation Measures |
|
| Trailing PE | 12.34 |
| Industry PE | 18.38 |
| Sector PE | 60.31 |
| 5-Year Average PE | 9.05 |
| Free Cash Flow Ratio | 1.47 |
| Industry Free Cash Flow Ratio | 12.51 |
| Sector Free Cash Flow Ratio | 42.87 |
| Current Ratio Most Recent Quarter | 3,015.31 |
| Total Cash Per Share | 12.36 |
| Book Value Per Share Most Recent Quarter | 19.54 |
| Price to Book Ratio | 0.93 |
| Industry Price to Book Ratio | 1.10 |
| Sector Price to Book Ratio | 1.73 |
| Price to Sales Ratio Twelve Trailing Months | 2.88 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.08 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.47 |
| Analyst Buy Ratings | 1 |
| Analyst Strong Buy Ratings | 0 |
Share Statistics |
|
| Total Shares Outstanding | 9,617,200 |
| Market Capitalization | 174,744,524 |
| Institutional Ownership | 62.02% |
Dividends |
|
| Ex-Dividend Date | 2/6/2026 |
| Previous Dividend Amount | 0.3600 |
| Current Dividend Amount | 0.1050 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 1.08 |
| Trailing Annual Dividend Yield | 5.92% |
| Forward Annual Dividend Rate | 0.42 |
| Forward Annual Dividend Yield | 2.31% |
| 5-Year Dividend Payments Count | 5 |
| 3-Year Average Dividend Yield | 0.00% |
| 5-Year Average Dividend Yield | 0.00% |
| 1-Year Dividend Growth Rate Percentage | 110.00% |
| 3-Year Dividend Growth Rate Percentage | 44.91% |
| 5-Year Dividend Growth Rate Percentage | 0.00% |
| All-Time Dividend Growth Rate Percentage | -19.41% |
| Dividend Payout Ratio | 73.63% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 64.20% |
| Annual Earnings Growth | 4.87% |
| Reported EPS 12 Trailing Months | 1.46 |
| Reported EPS Past Year | 1.46 |
| Reported EPS Prior Year | 1.34 |
| Net Income Twelve Trailing Months | 14,420,000 |
| Net Income Past Year | 14,420,000 |
| Net Income Prior Year | 13,751,000 |
| Quarterly Revenue Growth YOY | 9.80% |
| 5-Year Revenue Growth | 1.73% |
| Operating Margin Twelve Trailing Months | 34.70% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 118,853,000 |
| Total Cash Past Year | 118,853,000 |
| Total Cash Prior Year | 50,172,000 |
| Net Cash Position Most Recent Quarter | 72,091,000 |
| Net Cash Position Past Year | 52,247,000 |
| Long Term Debt Past Year | 66,606,000 |
| Long Term Debt Prior Year | 66,606,000 |
| Total Debt Most Recent Quarter | 46,762,000 |
| Equity to Debt Ratio Past Year | 0.74 |
| Equity to Debt Ratio Most Recent Quarter | 0.80 |
| Total Stockholder Equity Past Year | 187,939,000 |
| Total Stockholder Equity Prior Year | 179,084,000 |
| Total Stockholder Equity Most Recent Quarter | 187,939,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 11,001,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 1.14 |
| Free Cash Flow Past Year | 10,382,000 |
| Free Cash Flow Prior Year | 19,287,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.00 |
| MACD Signal | 0.00 |
| 20-Day Bollinger Lower Band | 0.00 |
| 20-Day Bollinger Middle Band | 0.00 |
| 20-Day Bollinger Upper Band | 0.00 |
| Beta | 0.65 |
| RSI | 0.00 |
| 50-Day SMA | 0.00 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 12.72 |
System |
|
| Modified | 3/13/2026 9:11:41 PM EST |