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CITIZENS COMMUNITY BANCORP I (CZWI) Stock Fundamental Analysis

USA - NASDAQ:CZWI - US1749031043 - Common Stock

16.4 USD
-0.22 (-1.32%)
Last: 9/12/2025, 8:00:01 PM
16.4 USD
0 (0%)
After Hours: 9/12/2025, 8:00:01 PM
Fundamental Rating

3

CZWI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. CZWI has a bad profitability rating. Also its financial health evaluation is rather negative. CZWI has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year CZWI was profitable.
In the past year CZWI had a positive cash flow from operations.
CZWI had positive earnings in each of the past 5 years.
CZWI had a positive operating cash flow in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M

1.2 Ratios

With a Return On Assets value of 0.72%, CZWI perfoms like the industry average, outperforming 40.56% of the companies in the same industry.
CZWI has a Return On Equity of 6.79%. This is in the lower half of the industry: CZWI underperforms 64.80% of its industry peers.
Industry RankSector Rank
ROA 0.72%
ROE 6.79%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

CZWI has a Profit Margin (21.38%) which is in line with its industry peers.
CZWI's Profit Margin has improved in the last couple of years.
CZWI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 21.38%
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 2015 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.
CZWI has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, CZWI has less shares outstanding
Compared to 1 year ago, CZWI has an improved debt to assets ratio.
CZWI Yearly Shares OutstandingCZWI Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

The Debt to FCF ratio of CZWI is 9.40, which is on the high side as it means it would take CZWI, 9.40 years of fcf income to pay off all of its debts.
CZWI has a worse Debt to FCF ratio (9.40) than 74.49% of its industry peers.
A Debt/Equity ratio of 0.34 indicates that CZWI is not too dependend on debt financing.
CZWI has a worse Debt to Equity ratio (0.34) than 71.17% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 9.4
Altman-Z N/A
ROIC/WACCN/A
WACC16.6%
CZWI Yearly LT Debt VS Equity VS FCFCZWI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 strong negative growth in Earnings Per Share. In the last year the EPS decreased by -14.48%.
CZWI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.74% yearly.
The Revenue has been growing slightly by 1.18% in the past year.
CZWI shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.66% yearly.
EPS 1Y (TTM)-14.48%
EPS 3Y-12.71%
EPS 5Y6.74%
EPS Q2Q%-5.71%
Revenue 1Y (TTM)1.18%
Revenue growth 3Y-6.62%
Revenue growth 5Y-0.66%
Sales Q2Q%14.99%

3.2 Future

Based on estimates for the next years, CZWI will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.17% on average per year.
Based on estimates for the next years, CZWI will show a quite strong growth in Revenue. The Revenue will grow by 9.96% on average per year.
EPS Next Y3.92%
EPS Next 2Y13.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.06%
Revenue Next 2Y9.96%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
CZWI Yearly Revenue VS EstimatesCZWI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M
CZWI Yearly EPS VS EstimatesCZWI Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 13.23, which indicates a correct valuation of CZWI.
Compared to the rest of the industry, the Price/Earnings ratio of CZWI is on the same level as its industry peers.
When comparing the Price/Earnings ratio of CZWI to the average of the S&P500 Index (27.30), we can say CZWI is valued rather cheaply.
With a Price/Forward Earnings ratio of 9.63, the valuation of CZWI can be described as very reasonable.
CZWI's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CZWI is cheaper than 61.73% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of CZWI to the average of the S&P500 Index (22.73), we can say CZWI is valued rather cheaply.
Industry RankSector Rank
PE 13.23
Fwd PE 9.63
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

73.72% of the companies in the same industry are cheaper than CZWI, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 24.64
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

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CZWI does not grow enough to justify the current Price/Earnings ratio.
CZWI's earnings are expected to grow with 13.17% in the coming years. This may justify a more expensive valuation.
PEG (NY)3.38
PEG (5Y)1.96
EPS Next 2Y13.17%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

CZWI has a Yearly Dividend Yield of 2.17%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.73, CZWI is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.38, CZWI has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.17%

5.2 History

The dividend of CZWI is nicely growing with an annual growth rate of 10.68%!
CZWI has paid a dividend for at least 10 years, which is 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3

5.3 Sustainability

28.89% of the earnings are spent on dividend by CZWI. This is a low number and sustainable payout ratio.
The dividend of CZWI is growing, but earnings are growing more, so the dividend growth is sustainable.
DP28.89%
EPS Next 2Y13.17%
EPS Next 3YN/A
CZWI Yearly Income VS Free CF VS DividendCZWI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 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 (9/12/2025, 8:00:01 PM)

After market: 16.4 0 (0%)

16.4

-0.22 (-1.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-28 2025-07-28/bmo
Earnings (Next)10-27 2025-10-27/amc
Inst Owners56.34%
Inst Owner Change8.27%
Ins Owners4.78%
Ins Owner Change1.08%
Market Cap161.87M
Analysts85
Price Target18.11 (10.43%)
Short Float %1.82%
Short Ratio2.64
Dividend
Industry RankSector Rank
Dividend Yield 2.17%
Yearly Dividend0.33
Dividend Growth(5Y)10.68%
DP28.89%
Div Incr Years6
Div Non Decr Years12
Ex-Date02-07 2025-02-07 (0.36)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)14.97%
Min EPS beat(2)11.56%
Max EPS beat(2)18.39%
EPS beat(4)3
Avg EPS beat(4)11.05%
Min EPS beat(4)-1.96%
Max EPS beat(4)18.39%
EPS beat(8)7
Avg EPS beat(8)23.26%
EPS beat(12)10
Avg EPS beat(12)16.69%
EPS beat(16)14
Avg EPS beat(16)18.7%
Revenue beat(2)1
Avg Revenue beat(2)2.92%
Min Revenue beat(2)-2.01%
Max Revenue beat(2)7.85%
Revenue beat(4)1
Avg Revenue beat(4)0.68%
Min Revenue beat(4)-2.95%
Max Revenue beat(4)7.85%
Revenue beat(8)3
Avg Revenue beat(8)0.03%
Revenue beat(12)6
Avg Revenue beat(12)3.46%
Revenue beat(16)10
Avg Revenue beat(16)9.64%
PT rev (1m)0%
PT rev (3m)1.43%
EPS NQ rev (1m)4.23%
EPS NQ rev (3m)1.37%
EPS NY rev (1m)2.26%
EPS NY rev (3m)2.26%
Revenue NQ rev (1m)-0.79%
Revenue NQ rev (3m)-0.4%
Revenue NY rev (1m)0.4%
Revenue NY rev (3m)0.4%
Valuation
Industry RankSector Rank
PE 13.23
Fwd PE 9.63
P/S 2.78
P/FCF 24.64
P/OCF 22.31
P/B 0.88
P/tB 1.1
EV/EBITDA N/A
EPS(TTM)1.24
EY7.56%
EPS(NY)1.7
Fwd EY10.39%
FCF(TTM)0.67
FCFY4.06%
OCF(TTM)0.74
OCFY4.48%
SpS5.9
BVpS18.59
TBVpS14.97
PEG (NY)3.38
PEG (5Y)1.96
Profitability
Industry RankSector Rank
ROA 0.72%
ROE 6.79%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.38%
GM N/A
FCFM 11.27%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 9.4
Debt/EBITDA N/A
Cap/Depr 20.37%
Cap/Sales 1.18%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 52.73%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC16.6%
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)-14.48%
EPS 3Y-12.71%
EPS 5Y6.74%
EPS Q2Q%-5.71%
EPS Next Y3.92%
EPS Next 2Y13.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1.18%
Revenue growth 3Y-6.62%
Revenue growth 5Y-0.66%
Sales Q2Q%14.99%
Revenue Next Year8.06%
Revenue Next 2Y9.96%
Revenue Next 3YN/A
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-55.08%
FCF growth 3Y2.67%
FCF growth 5Y26.01%
OCF growth 1Y-57.79%
OCF growth 3Y-2.25%
OCF growth 5Y9.46%