Citizens Community Bancorp Inc.
CZWINasdaq
$23.25
↓ -1.6%Jul 17 close · end-of-day
Price
1Y↑ +57.6%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$224.0M
Enterprise Value
$126.6M
P/E
15.2
P/S
—
P/B
1.2
EV/EBITDA
—
PEG
—
FCF Yield
5.5%
Dividend Yield
0.4%
Revenue (TTM)
—
Net Income (TTM)
$15.0M
Free Cash Flow (TTM)
$12.3M
Gross Margin
—
Operating Margin
—
Net Margin
—
ROE
7.8%
ROIC
—
Debt / Equity
0.3
Net Cash
$97.4M
Return 1Y
+56.5%
Company profile
Citizens Community Bancorp, Inc. operates through a network of 25 full-service branch in Wisconsin and Minnesota. The company accepts various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit. It also offers various loan products, such as mortgage-backed, corporate asset-backed and U.S. Government sponsored agency, corporate debt, and trust preferred securities.
- CEO
- Stephen M. Bianchi
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Employees
- 220
- Headquarters
- Wisconsin
- Website
- ccf.us
Management & directors
- Bianchi Stephen MCEO and President
- Broucek James SEVP/CFO/Treasurer/Secretary
- Johnson RebeccaVice President/Controller
Roles derived from SEC Form 4 filings.
Earnings
CZWI Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue——
Diluted EPS$0.39↑ +21.9%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $12.7M | $21.3M | $17.8M | $13.1M | $13.8M | $14.4M |
| Diluted EPS | $1.14 | $1.98 | $1.69 | $1.25 | $1.34 | $1.46 |
| Operating cash flow | $23.8M | $21.6M | $29.3M | $13.1M | $20.4M | $11.7M |
| Free cash flow | $21.2M | $17.8M | $25.7M | $11.8M | $19.5M | $10.4M |
| Gross margin | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — |
| Net margin | — | — | — | — | — | — |
| Line item | Q3 '24 | Q3 '24 | Q3 '24 | Q1 '25 | Q1 '25 | Q1 '25 | Q1 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | $3.7M | $3.3M | $2.7M | $3.2M | $3.3M | $3.7M | $4.3M | $3.8M |
| Diluted EPS | $0.35 | $0.32 | $0.28 | $0.32 | $0.33 | $0.37 | $0.44 | $0.39 |
| Operating cash flow | $5.1M | $3.5M | $2.6M | $1.6M | -$406,000.00 | $6.6M | $3.9M | $4.0M |
| Free cash flow | $4.8M | $3.4M | $2.4M | $1.5M | -$632,000.00 | $6.2M | $3.3M | $3.4M |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | — | — | — | — | — | — | — | — |
Company news
May 25, 2026
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-06-02 | Bianchi Stephen M· CEO and President | Option exercise | 5,000 | $11.00 | $55,000.00 | filing |
| 2026-06-02 | Bianchi Stephen M· CEO and President | Option exercise | 5,000 | $11.00 | $55,000.00 | filing |
| 2026-06-01 | BROUCEK JAMES S· EVP/CFO/Treasurer/Secretary | Option exercise | 2,000 | $13.60 | $27,200.00 | filing |
| 2026-05-18 | MOLL JAMES D | Sale | 1,000 | $20.50 | $20,500.00 | filing |
| 2026-05-18 | MOLL JAMES D | Sale | 500 | $20.75 | $10,375.00 | filing |
| 2026-05-18 | FELBER FRANCIS E | Buy | 500 | $20.60 | $10,300.00 | filing |
| 2026-05-18 | MOLL JAMES D | Sale | 500 | $20.59 | $10,292.50 | filing |
| 2026-05-14 | MOLL JAMES D | Sale | 1,900 | $20.96 | $39,824.00 | filing |
| 2026-05-14 | MOLL JAMES D | Sale | 876 | $21.08 | $18,466.08 | filing |
| 2026-05-14 | MOLL JAMES D | Sale | 124 | $21.11 | $2,617.64 | filing |
| 2026-05-14 | MOLL JAMES D | Sale | 100 | $20.98 | $2,098.00 | filing |
| 2026-05-08 | SKARVAN KATHLEEN | Buy | 450 | $21.13 | $9,508.50 | filing |
| 2026-05-08 | SKARVAN KATHLEEN | Buy | 300 | $21.20 | $6,360.00 | filing |
| 2026-05-05 | Olson Timothy L | Buy | 1,000 | $20.95 | $20,945.00 | filing |
| 2026-05-04 | FELBER FRANCIS E | Buy | 1,000 | $20.60 | $20,600.00 | filing |
| 2026-04-30 | Conner Michael R | Buy | 1,100 | $20.95 | $23,043.90 | filing |
| 2026-04-20 | Bianchi Stephen M· CEO and President | Option exercise | 5,000 | $11.00 | $55,000.00 | filing |
| 2026-01-23 | JOHNSON REBECCA· Vice President/Controller | Option exercise | 2,000 | $9.62 | $19,240.00 | filing |
| 2026-01-22 | Bianchi Stephen M· CEO and President | Award | 3,325 | $18.52 | $61,579.00 | filing |
| 2026-01-22 | BROUCEK JAMES S· EVP/CFO/Treasurer/Secretary | Award | 1,733 | $18.52 | $32,095.16 | filing |
| 2026-01-22 | Bianchi Stephen M· CEO and President | Tax withholding | 1,226 | $18.52 | $22,705.52 | filing |
| 2026-01-22 | BROUCEK JAMES S· EVP/CFO/Treasurer/Secretary | Tax withholding | 632 | $18.52 | $11,704.64 | filing |
| 2026-01-19 | Bianchi Stephen M· CEO and President | Tax withholding | 663 | $18.45 | $12,232.35 | filing |
| 2026-01-19 | BROUCEK JAMES S· EVP/CFO/Treasurer/Secretary | Tax withholding | 339 | $18.45 | $6,254.55 | filing |
| 2025-11-05 | Bianchi Stephen M· CEO and President | Option exercise | 5,000 | $11.00 | $55,000.00 | filing |
Showing the latest 25 transactions — full history in the linked SEC filings.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.