What is Citizens Community Bancorp, Inc.'s (CZWI) StockRank?

MoatMap's StockRank for Citizens Community Bancorp, Inc. (CZWI) is 35/100, with a Hold signal. This is a composite score combining Quality (45), Value (31), and Momentum (52) factor ranks across MoatMap's universe of 25,000+ stocks.

Does Citizens Community Bancorp, Inc. have an economic moat?

Citizens Community Bancorp, Inc. (CZWI) has a Quality factor score of 45/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Citizens Community Bancorp, Inc. a buy, hold, or sell?

MoatMap's current signal for Citizens Community Bancorp, Inc. (CZWI) is Hold, based on a StockRank of 35/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.

What sector is Citizens Community Bancorp, Inc. in?

Citizens Community Bancorp, Inc. (CZWI) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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CZWI

HoldHot Air

Citizens Community Bancorp, Inc. · Financial Services · United States · $203M · Avg Vol: $1M/d

StockRank

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P/E (TTM)

16.8x

ROE

6.8%

D/E

0.3x

Dividend %

1.0%

Dir. Trades · 180d

+$105.5K · −$104.2K →

Buybacks · 180d

None →

COMPANY DESCRIPTION

Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal N.A. that provides various traditional community banking services to businesses, agricultural operators, and consumers in the United States, Wisconsin, Minnesota and internationally.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	67.2M	58.5M	56.3M	62.3M	-2.5%	58.3M	66.5M	73.8M	8.8%
EPS	1.69	1.25	1.34	1.46	-4.8%	1.31	1.43	2.17	21.9%
Shares	10.4M	10.4M	10.0M	9.6M	-7.7%	9.7M	—	—	—
Debt	214.9M	147.0M	66.6M	51.8M	-37.8%	147.5M	—	—	—
Equity	167.1M	173.3M	179.1M	187.9M	4.0%	—	—	—	—
Op CF	29.3M	13.1M	20.4M	11.7M	-26.4%	22.4M	—	—	—
Inv CF	-119.2M	-34.2M	113.7M	45.7M	—	—	—	—	—
Fin CF	77.6M	22.9M	-121.1M	11.3M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)+0.3%

SMA 50SMA 200

$22.06

RSI (14)

71.9

52W High

$24.31

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.7%*29.0

ROE

6.8%33.8

GP/Assets

3.3%N/A

Op. Margin

16.6%32.9

FCF/Assets

0.7%N/A

Piotroski

685.8

Int. Cover

—50.0

D/E Ratio

0.28xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

16.8x32.5

EV/EBITDA

bankN/A

P/FCF

16.5xN/A

P/B

1.7x30.6

P/S

3.7x49.9

Div Yield

1.0%10.1

Momentum

52W High %

91%48.9

RS 6M

8%69.6

SMA 50/200

1.11x74.5

EPS Rev 4W

-1.1%12.7

EPS Rev 12W

—N/A

EPS Improve

+66%78.0

Q Growth

-29%12.0

FUNDAMENTALS

Market Cap

$203M

P/E (Forward)

10.2x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CZWI are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
CZWI	Citizens Community Bancorp, Inc.(you)	$203M	35	Hold
FNWD	Finward Bancorp	$188M	36	Hold
OVBC	Ohio Valley Banc Corp.	$215M	34	Sell
INBK	First Internet Bancorp	$245M	38	Hold
CBFV	CB Financial Services, Inc.	$191M	42	Hold
WNEB	Western New England Bancorp, Inc.	$275M	38	Hold
BCML	BayCom Corp	$331M	34	Sell
FBLA	FB Bancorp, Inc.	$229M	45	Hold
SRBK	SR Bancorp, Inc.	$142M	30	Sell
ISBA	Isabella Bank Corporation	$301M	26	Sell

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Citizens Community Bancorp, Inc. (CZWI): Stock Score Summary

Citizens Community Bancorp, Inc. (CZWI) has a MoatMap StockRank of 35/100 based on Quality (45/100), Value (31/100), and Momentum (52/100) factor scores. The current signal is HOLD.

Key Financial Metrics

Price	$22.06
Market Cap	$203M
P/E (TTM)	16.85
P/E (Forward)	10.17
Price/Book	1.75
Return on Equity	6.8%
Debt/Equity	0.28x
Operating Margin	16.6%
Revenue Growth	25.1%
Dividend Yield	1.0%
Free Cash Flow	$12M

Citizens Community Bancorp, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Citizens Community Bancorp, Inc.’s (CZWI) StockRank?: MoatMap’s StockRank for Citizens Community Bancorp, Inc. (CZWI) is 35/100, with a Hold signal. It is a composite of Quality (45), Value (31), and Momentum (52) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Citizens Community Bancorp, Inc. have an economic moat?: Citizens Community Bancorp, Inc. (CZWI) has a Quality factor score of 45/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Citizens Community Bancorp, Inc. a buy, hold, or sell?: MoatMap’s current signal for Citizens Community Bancorp, Inc. (CZWI) is Hold, based on a StockRank of 35/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Citizens Community Bancorp, Inc. in?: Citizens Community Bancorp, Inc. (CZWI) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).