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CITIZENS COMMUNITY BANCORP I (CZWI) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:CZWI - US1749031043 - Common Stock

18.22 USD
-0.1 (-0.55%)
Last: 1/9/2026, 8:00:01 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to CZWI. CZWI was compared to 387 industry peers in the Banks industry. CZWI may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, CZWI is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

CZWI had positive earnings in the past year.
CZWI had a positive operating cash flow in the past year.
Each year in the past 5 years CZWI has been profitable.
Each year in the past 5 years CZWI had a positive operating cash flow.
CZWI Yearly Net Income VS EBIT VS OCF VS FCFCZWI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.74%, CZWI is doing worse than 62.79% of the companies in the same industry.
Looking at the Return On Equity, with a value of 6.88%, CZWI is doing worse than 67.44% of the companies in the same industry.
Industry RankSector Rank
ROA 0.74%
ROE 6.88%
ROIC N/A
ROA(3y)0.82%
ROA(5y)0.89%
ROE(3y)8.61%
ROE(5y)9.24%
ROIC(3y)N/A
ROIC(5y)N/A
CZWI Yearly ROA, ROE, ROICCZWI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

CZWI has a Profit Margin of 21.31%. This is in the lower half of the industry: CZWI underperforms 62.27% of its industry peers.
In the last couple of years the Profit Margin of CZWI has grown nicely.
The Operating Margin and Gross Margin are not available for CZWI so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 21.31%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.4%
PM growth 5Y8.49%
GM growth 3YN/A
GM growth 5YN/A
CZWI Yearly Profit, Operating, Gross MarginsCZWI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

2. Health

2.1 Basic Checks

CZWI does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CZWI has been reduced compared to 1 year ago.
The number of shares outstanding for CZWI has been reduced compared to 5 years ago.
CZWI has a better debt/assets ratio than last year.
CZWI Yearly Shares OutstandingCZWI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
CZWI Yearly Total Debt VS Total AssetsCZWI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

CZWI has a debt to FCF ratio of 5.27. This is a neutral value as CZWI would need 5.27 years to pay back of all of its debts.
The Debt to FCF ratio of CZWI (5.27) is worse than 72.87% of its industry peers.
CZWI has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.25, CZWI is doing worse than 63.31% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 5.27
Altman-Z N/A
ROIC/WACCN/A
WACC15.96%
CZWI Yearly LT Debt VS Equity VS FCFCZWI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CZWI Yearly Current Assets VS Current LiabilitesCZWI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 500K 1M 1.5M 2M 2.5M

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4

3. Growth

3.1 Past

CZWI shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -8.51%.
Measured over the past 5 years, CZWI shows a small growth in Earnings Per Share. The EPS has been growing by 6.74% on average per year.
CZWI shows a small growth in Revenue. In the last year, the Revenue has grown by 5.60%.
CZWI shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.66% yearly.
EPS 1Y (TTM)-8.51%
EPS 3Y-12.71%
EPS 5Y6.74%
EPS Q2Q%15.62%
Revenue 1Y (TTM)5.6%
Revenue growth 3Y-6.62%
Revenue growth 5Y-0.66%
Sales Q2Q%25.52%

3.2 Future

CZWI is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.09% yearly.
Based on estimates for the next years, CZWI will show a quite strong growth in Revenue. The Revenue will grow by 9.94% on average per year.
EPS Next Y8.52%
EPS Next 2Y16.51%
EPS Next 3Y16.09%
EPS Next 5YN/A
Revenue Next Year11%
Revenue Next 2Y11.14%
Revenue Next 3Y9.94%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
CZWI Yearly Revenue VS EstimatesCZWI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M
CZWI Yearly EPS VS EstimatesCZWI Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2

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3

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 14.12, which indicates a correct valuation of CZWI.
Compared to the rest of the industry, the Price/Earnings ratio of CZWI indicates a slightly more expensive valuation: CZWI is more expensive than 60.47% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.19, CZWI is valued a bit cheaper.
A Price/Forward Earnings ratio of 10.09 indicates a reasonable valuation of CZWI.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CZWI is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.88, CZWI is valued rather cheaply.
Industry RankSector Rank
PE 14.12
Fwd PE 10.09
CZWI Price Earnings VS Forward Price EarningsCZWI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

72.35% of the companies in the same industry are cheaper than CZWI, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 19.82
EV/EBITDA N/A
CZWI Per share dataCZWI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

CZWI's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as CZWI's earnings are expected to grow with 16.09% in the coming years.
PEG (NY)1.66
PEG (5Y)2.1
EPS Next 2Y16.51%
EPS Next 3Y16.09%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.02%, CZWI has a reasonable but not impressive dividend return.
CZWI's Dividend Yield is slightly below the industry average, which is at 2.78.
CZWI's Dividend Yield is comparable with the S&P500 average which is at 1.94.
Industry RankSector Rank
Dividend Yield 2.02%

5.2 History

The dividend of CZWI is nicely growing with an annual growth rate of 10.68%!
CZWI has been paying a dividend for at least 10 years, so it has a reliable track record.
CZWI has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)10.68%
Div Incr Years6
Div Non Decr Years12
CZWI Yearly Dividends per shareCZWI Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3

5.3 Sustainability

CZWI pays out 28.00% of its income as dividend. This is a sustainable payout ratio.
The dividend of CZWI is growing, but earnings are growing more, so the dividend growth is sustainable.
DP28%
EPS Next 2Y16.51%
EPS Next 3Y16.09%
CZWI Yearly Income VS Free CF VS DividendCZWI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
CZWI Dividend Payout.CZWI Dividend Payout, showing the Payout Ratio.CZWI Dividend Payout.PayoutRetained Earnings

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CITIZENS COMMUNITY BANCORP I

NASDAQ:CZWI (1/9/2026, 8:00:01 PM)

18.22

-0.1 (-0.55%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-27 2025-10-27/bmo
Earnings (Next)01-26 2026-01-26/bmo
Inst Owners61.9%
Inst Owner Change0%
Ins Owners5.02%
Ins Owner Change1.36%
Market Cap176.01M
Revenue(TTM)60.29M
Net Income(TTM)12.85M
Analysts85
Price Target19.13 (4.99%)
Short Float %1.47%
Short Ratio3.86
Dividend
Industry RankSector Rank
Dividend Yield 2.02%
Yearly Dividend0.33
Dividend Growth(5Y)10.68%
DP28%
Div Incr Years6
Div Non Decr Years12
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)4.8%
Min EPS beat(2)-1.96%
Max EPS beat(2)11.56%
EPS beat(4)2
Avg EPS beat(4)6.51%
Min EPS beat(4)-1.96%
Max EPS beat(4)18.39%
EPS beat(8)6
Avg EPS beat(8)18.54%
EPS beat(12)9
Avg EPS beat(12)16.24%
EPS beat(16)13
Avg EPS beat(16)17.8%
Revenue beat(2)2
Avg Revenue beat(2)9.47%
Min Revenue beat(2)7.85%
Max Revenue beat(2)11.1%
Revenue beat(4)2
Avg Revenue beat(4)4.19%
Min Revenue beat(4)-2.01%
Max Revenue beat(4)11.1%
Revenue beat(8)3
Avg Revenue beat(8)1%
Revenue beat(12)6
Avg Revenue beat(12)2.59%
Revenue beat(16)10
Avg Revenue beat(16)8.42%
PT rev (1m)0%
PT rev (3m)5.63%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.26%
EPS NY rev (1m)0%
EPS NY rev (3m)1.43%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.33%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.72%
Valuation
Industry RankSector Rank
PE 14.12
Fwd PE 10.09
P/S 2.92
P/FCF 19.82
P/OCF 17.89
P/B 0.94
P/tB 1.16
EV/EBITDA N/A
EPS(TTM)1.29
EY7.08%
EPS(NY)1.81
Fwd EY9.91%
FCF(TTM)0.92
FCFY5.05%
OCF(TTM)1.02
OCFY5.59%
SpS6.24
BVpS19.34
TBVpS15.66
PEG (NY)1.66
PEG (5Y)2.1
Graham Number23.69
Profitability
Industry RankSector Rank
ROA 0.74%
ROE 6.88%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.31%
GM N/A
FCFM 14.73%
ROA(3y)0.82%
ROA(5y)0.89%
ROE(3y)8.61%
ROE(5y)9.24%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.4%
PM growth 5Y8.49%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 5.27
Debt/EBITDA N/A
Cap/Depr 29.16%
Cap/Sales 1.59%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 69.11%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC15.96%
ROIC/WACCN/A
Cap/Depr(3y)52.33%
Cap/Depr(5y)58.75%
Cap/Sales(3y)3.1%
Cap/Sales(5y)3.69%
Profit Quality(3y)124.98%
Profit Quality(5y)125.08%
High Growth Momentum
Growth
EPS 1Y (TTM)-8.51%
EPS 3Y-12.71%
EPS 5Y6.74%
EPS Q2Q%15.62%
EPS Next Y8.52%
EPS Next 2Y16.51%
EPS Next 3Y16.09%
EPS Next 5YN/A
Revenue 1Y (TTM)5.6%
Revenue growth 3Y-6.62%
Revenue growth 5Y-0.66%
Sales Q2Q%25.52%
Revenue Next Year11%
Revenue Next 2Y11.14%
Revenue Next 3Y9.94%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-43.83%
FCF growth 3Y2.67%
FCF growth 5Y26.01%
OCF growth 1Y-44.51%
OCF growth 3Y-2.25%
OCF growth 5Y9.46%

CITIZENS COMMUNITY BANCORP I / CZWI FAQ

What is the ChartMill fundamental rating of CITIZENS COMMUNITY BANCORP I (CZWI) stock?

ChartMill assigns a fundamental rating of 3 / 10 to CZWI.


What is the valuation status of CITIZENS COMMUNITY BANCORP I (CZWI) stock?

ChartMill assigns a valuation rating of 3 / 10 to CITIZENS COMMUNITY BANCORP I (CZWI). This can be considered as Overvalued.


Can you provide the profitability details for CITIZENS COMMUNITY BANCORP I?

CITIZENS COMMUNITY BANCORP I (CZWI) has a profitability rating of 3 / 10.


What is the expected EPS growth for CITIZENS COMMUNITY BANCORP I (CZWI) stock?

The Earnings per Share (EPS) of CITIZENS COMMUNITY BANCORP I (CZWI) is expected to grow by 8.52% in the next year.


Is the dividend of CITIZENS COMMUNITY BANCORP I sustainable?

The dividend rating of CITIZENS COMMUNITY BANCORP I (CZWI) is 6 / 10 and the dividend payout ratio is 28%.