CITIZENS COMMUNITY BANCORP I (CZWI) Stock Fundamental Analysis

NASDAQ:CZWI • US1749031043

18.41 USD
-0.07 (-0.38%)
At close: Feb 20, 2026
18.41 USD
0 (0%)
After Hours: 2/20/2026, 8:26:21 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

CZWI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. CZWI may be in some trouble as it scores bad on both profitability and health. CZWI has a decent growth rate and is not valued too expensively. Finally CZWI also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • CZWI had positive earnings in the past year.
  • In the past year CZWI had a positive cash flow from operations.
  • In the past 5 years CZWI has always been profitable.
  • Of the past 5 years CZWI 4 years 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 2025 5M 10M 15M 20M 25M

1.2 Ratios

  • CZWI has a Return On Assets of 0.74%. This is in the lower half of the industry: CZWI underperforms 64.38% of its industry peers.
  • The Return On Equity of CZWI (6.88%) is worse than 67.55% of its industry peers.
Industry RankSector Rank
ROA 0.74%
ROE 6.88%
ROIC N/A
ROA(3y)0.77%
ROA(5y)0.9%
ROE(3y)7.63%
ROE(5y)9.19%
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 2025 2 4 6 8 10

1.3 Margins

  • With a Profit Margin value of 21.31%, CZWI is not doing good in the industry: 62.80% of the companies in the same industry are doing better.
  • CZWI's Profit Margin has improved in the last couple of years.
  • 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-4.53%
PM growth 5Y4.54%
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 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 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.
  • CZWI has a worse Debt to FCF ratio (5.27) than 72.30% of its industry peers.
  • A Debt/Equity ratio of 0.25 indicates that CZWI is not too dependend on debt financing.
  • CZWI's Debt to Equity ratio of 0.25 is on the low side compared to the rest of the industry. CZWI is outperformed by 62.53% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 5.27
Altman-Z N/A
ROIC/WACCN/A
WACC15.8%
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 2025 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 9.77% over the past year.
  • The Earnings Per Share has been growing slightly by 5.63% on average over the past years.
  • Looking at the last year, CZWI shows a quite strong growth in Revenue. The Revenue has grown by 10.16% in the last year.
  • The Revenue has been decreasing by -1.93% on average over the past years.
EPS 1Y (TTM)9.77%
EPS 3Y-4.76%
EPS 5Y5.63%
EPS Q2Q%62.96%
Revenue 1Y (TTM)10.16%
Revenue growth 3Y-2.28%
Revenue growth 5Y-1.93%
Sales Q2Q%11.59%

3.2 Future

  • CZWI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 21.99% yearly.
  • Based on estimates for the next years, CZWI will show a quite strong growth in Revenue. The Revenue will grow by 19.86% on average per year.
EPS Next Y22.26%
EPS Next 2Y21.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year31.31%
Revenue Next 2Y19.86%
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.
  • 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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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 12.61, the valuation of CZWI can be described as correct.
  • The rest of the industry has a similar Price/Earnings ratio as CZWI.
  • When comparing the Price/Earnings ratio of CZWI to the average of the S&P500 Index (26.99), we can say CZWI is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 10.31, 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 64.64% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.02, CZWI is valued rather cheaply.
Industry RankSector Rank
PE 12.61
Fwd PE 10.31
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

  • 71.50% of the companies in the same industry are cheaper than CZWI, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 19.94
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as CZWI's earnings are expected to grow with 21.99% in the coming years.
PEG (NY)0.57
PEG (5Y)2.24
EPS Next 2Y21.99%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.27%, CZWI has a reasonable but not impressive dividend return.
  • CZWI's Dividend Yield is slightly below the industry average, which is at 2.74.
  • CZWI's Dividend Yield is a higher than the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 2.27%

5.2 History

  • On average, the dividend of CZWI grows each year by 10.68%, which is quite nice.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3

5.3 Sustainability

  • 28.00% of the earnings are spent on dividend by CZWI. This is a low number and sustainable payout ratio.
  • CZWI's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP28%
EPS Next 2Y21.99%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
CZWI Dividend Payout.CZWI Dividend Payout, showing the Payout Ratio.CZWI Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

CITIZENS COMMUNITY BANCORP I

NASDAQ:CZWI (2/20/2026, 8:26:21 PM)

After market: 18.41 0 (0%)

18.41

-0.07 (-0.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-27
Inst Owners61.9%
Inst Owner Change0.62%
Ins Owners5.02%
Ins Owner Change1.3%
Market Cap177.10M
Revenue(TTM)62.33M
Net Income(TTM)12.85M
Analysts82.86
Price Target21.42 (16.35%)
Short Float %0.9%
Short Ratio1.66
Dividend
Industry RankSector Rank
Dividend Yield 2.27%
Yearly Dividend0.33
Dividend Growth(5Y)10.68%
DP28%
Div Incr Years6
Div Non Decr Years12
Ex-Date02-06
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)12%
PT rev (3m)18.31%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.25%
EPS NY rev (1m)-1.69%
EPS NY rev (3m)4.48%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-19.02%
Revenue NY rev (1m)17.99%
Revenue NY rev (3m)20.54%
Valuation
Industry RankSector Rank
PE 12.61
Fwd PE 10.31
P/S 2.94
P/FCF 19.94
P/OCF 18
P/B 0.95
P/tB 1.17
EV/EBITDA N/A
EPS(TTM)1.46
EY7.93%
EPS(NY)1.79
Fwd EY9.7%
FCF(TTM)0.92
FCFY5.01%
OCF(TTM)1.02
OCFY5.55%
SpS6.27
BVpS19.42
TBVpS15.73
PEG (NY)0.57
PEG (5Y)2.24
Graham Number25.26
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)0.77%
ROA(5y)0.9%
ROE(3y)7.63%
ROE(5y)9.19%
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-4.53%
PM growth 5Y4.54%
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
WACC15.8%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)9.77%
EPS 3Y-4.76%
EPS 5Y5.63%
EPS Q2Q%62.96%
EPS Next Y22.26%
EPS Next 2Y21.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.16%
Revenue growth 3Y-2.28%
Revenue growth 5Y-1.93%
Sales Q2Q%11.59%
Revenue Next Year31.31%
Revenue Next 2Y19.86%
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-57.12%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-55.19%
OCF growth 3YN/A
OCF growth 5YN/A

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 4 / 10 to CZWI.


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

ChartMill assigns a valuation rating of 5 / 10 to CITIZENS COMMUNITY BANCORP I (CZWI). This can be considered as Fairly Valued.


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

CITIZENS COMMUNITY BANCORP I (CZWI) has a profitability rating of 2 / 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 22.26% in the next year.


Is the dividend of CITIZENS COMMUNITY BANCORP I sustainable?

The dividend rating of CITIZENS COMMUNITY BANCORP I (CZWI) is 7 / 10 and the dividend payout ratio is 28%.