Stocktoria
Citizens Community Bancorp Inc. CZWI
Citizens Community Bancorp Inc. (CZWI) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 1.58% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| CZWI | Citizens Community Bancorp Inc. | 5/9 | — | 15.7 | — |
| NRIM | NORTHRIM BANCORP INC | 6/9 | — | 9.6 | +30.4% |
| EBC | Eastern Bankshares, Inc. | 3/9 | — | 57.9 | +19.1% |
| PFS | PROVIDENT FINANCIAL SERVICES INC | 5/9 | — | 10.6 | +7.1% |
| AX | Axos Financial, Inc. | 5/9 | — | 12.6 | +1.8% |
| BKU | BankUnited, Inc. | 7/9 | — | 13.3 | +7.4% |
| CFFN | Capitol Federal Financial, Inc. | 5/9 | — | 15.8 | +6.5% |
All Finance, Insurance & Real Estate companies →
About Citizens Community Bancorp Inc.
Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal N.A. that provides various traditional community banking services to businesses, agricultural operators, and consumers in the United States, Wisconsin, Minnesota and internationally. The company offers various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit. It also provides various loan products, such as commercial real estate, commercial and industrial, agricultural real estate, agricultural operating, and consumer loans; and one-to-four family residential mortgages and home equity lines-of-credit. In addition, the company maintains a portfolio of investments comprising mortgage-backed, asset-backed, U.S. Government sponsored agency, and corporate debt securities. Citizens Community Bancorp, Inc. was founded in 1938 and is based in Eau Claire, Wisconsin.
FAQ
Is CZWI financially healthy?
Citizens Community Bancorp Inc.'s Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does CZWI pay a dividend, and is it safe?
Yes. Citizens Community Bancorp Inc. pays a dividend yielding about 1.58% with a 25.0% payout ratio, rated “safe” for safety.
How profitable is CZWI?
In FY2025, Citizens Community Bancorp Inc. had a return on equity of 7.7%.
Is CZWI overvalued or undervalued?
Citizens Community Bancorp Inc. trades at about 14.2× trailing earnings — above its 10-year norm (10-year range 7.3×–56.5×, median 12.4×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for CZWI?
The average Wall-Street price target for Citizens Community Bancorp Inc. is $24.00, about 15.9% above the recent price, from 2 analysts.
Is CZWI a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Citizens Community Bancorp Inc.: a Piotroski F-score of 5/9, a P/E of about 15.7×, a dividend yield of 1.58%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.