CZWINASDAQ

Citizens Community Bancorp Inc.

Yahoo Finance

Loading price data…

Recent & upcoming events

Past events

Aug 7

Ex-dividend Time TBD

Ex-dividend date

Add to Google Calendar

Nov 6

Ex-dividend Time TBD

Ex-dividend date

Add to Google Calendar

KPI highlights

FY25

Revenue —

Operating income —

Net income $14M YoY +4.9%

EPS $1.46 YoY +9.0%

P/E —

ROE 7.7% Equity ratio 11% Typical equity ratios vary a lot by industry. Banks, brokerages, and other financial companies tend to run lower ratios because leverage (using other people's capital) is core to their business model — a low ratio there isn't a sign of financial weakness.

Quarterly fundamentals

Income & cash flow Unit: $1M

Quarter	FY25 Q1	FY25 Q2	FY25 Q3	FY25 Q4	FY26 Q1	FY26 Q2
Revenue	—	—	—	—	—	—
Operating income	—	—	—	—	—	—
Net income	3.20	3.27	3.68	4.27	3.76	1.10
Operating CF	1.61	—	—	—	3.98	—

Ownership over time

Share of total shares outstanding (disclosed major holdings + undisclosed)（2013–2026）

機関投資家未開示・浮動株

「国内機関」は信託銀行の名義口座（年金・パッシブ・一部海外資本を含む）を集計し、実質保有者へは分解していません。分類は開示名称からの推定です。

Top shareholders — rank & share

Top shareholders — actual figures (as of 2026)

Holder	Shares held	Ratio	Source
BANC FUNDS CO LLC	206,055	1.8%	13F
Pinnacle Holdings, LLC	91,347	0.8%	13F
MetLife Investment Management, LLC	5,605	0.0%	13F
Russell Investments Group, Ltd.	795	0.0%	13F
Arax Advisory Partners	10	0.0%	13F

Source：SEC EDGAR（DEF 14A・13D/G・13F）　Classification inferred from disclosed names

F-Score (Piotroski)

5/9 3 of 9 items lack data

Checks financial health against 9 criteria and shows how many are met as a fraction (more ✓ marks is healthier). Items with no data are shown as “—” — they're simply excluded from judgment, not counted against the score.

✓ Positive ROA ROA 0.8%

✓ Positive operating cash flow $12M

✓ ROA improved YoY 0.8% → 0.8%

✗ Operating CF exceeds net income (accrual quality) OCF $12M / net income $14M

✓ Equity ratio improved* Substitute for the original “decrease in long-term debt” 10.2% → 10.5%

— Current ratio improved No data

✓ No dilution (shares outstanding did not increase) 9,981,996 → 9,617,245

— Gross margin improved No data

— Asset turnover improved No data

This score is reference information based on our own financial metrics. It is NOT a credit rating issued by a credit rating agency under Article 66-27 of the Financial Instruments and Exchange Act, and is NOT investment advice or a recommendation. Make investment decisions at your own responsibility.

Fact checklist

FY25

Equity ratio 10.5%

Current ratio —

Years of positive operating CF 12 of last 12 yrs

Payout ratio —

Latest fiscal year result Profit (net income $14M)

Performance history

Last 10 years

Income & assets

Unit: $1M

Item	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	—	—	—	—	—	—	—	—	—	—
Operating income	—	—	—	—	—	—	—	—	—	—
Ordinary income	—	—	—	—	—	—	—	—	—	—
Net income	2.57	2.50	4.28	9.46	12.7	21.3	17.8	13.1	13.8	14.4
Total assets	696	941	975	1,531	1,649	1,740	1,816	1,851	1,749	1,782
Equity	64.5	73.5	136	151	161	171	167	173	179	188

A “—” means data wasn't available for that period — it's not a display error or an unusual value.

Indicators & cash flow

Unit: $1M

Item	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
EPS	$0.49	$0.47	$0.72	$0.85	$1.14	$1.98	$1.69	$1.25	$1.34	$1.46
ROE	4.0%	3.4%	3.2%	6.3%	7.9%	12.4%	10.6%	7.5%	7.7%	7.7%
Operating CF	5.70	1.91	10.9	12.8	23.8	21.6	29.3	13.1	20.4	11.7
Investing CF	49.3	13.8	-49.5	-63.3	-61.8	-163	-119	-34.2	114	45.7
Financing CF	-68.8	15.9	31.4	60.6	102	69.9	77.6	22.9	-121	11.3
FCF	—	—	—	—	—	—	—	—	—	—

A “—” means data wasn't available for that period — it's not a display error or an unusual value.

Source: SEC EDGAR (10-K, etc.) (fetched 2026-10-18) *Some metrics supplemented from additional sources

Key financial metrics

Dividend grower ✓

Is this information incorrect?

Data provided by Twelve Data

Save to calendar

Company info

Citizens Community Bancorp Inc. is a bank holding company that operates through CCFBank National Association, a community-focused bank serving customers in Wisconsin and Minnesota. The company provides a broad range of traditional banking services for individuals, businesses, and agricultural clients, including deposit accounts, consumer banking, commercial lending, agricultural lending, residential mortgages, and home equity lines of credit. It also supports local markets through branch-based service and relationship-driven banking tailored to small businesses, farm operators, and households. Citizens Community Bancorp Inc. plays a regional role in the U.S. banking sector by combining everyday banking products with lending solutions for community, commercial, and agricultural needs.

Ticker CZWI

Total assets $1.78B

Equity $188M

Shares outstanding 9,617,245

Privacy Policy Terms of Service Commercial Transactions Disclosure Billing & Cancellation Advertising Policy Licenses Status 日本語