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Home CompaniesCitizens Community Bancorp Inc

Citizens Community Bancorp Inc

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
23.6 USD 0.22 ( 0.94%)
Last update at 2026-11-09T14:52:00Z
VOLUME
1905
Market Cap
210.38M
P/E
16.64

Momentum Score

…

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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
23.54
Low
23.60
High
52 Week Price Range
14.39
Low
24.31
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
23.38
Dividend Yield
0.96%
Revenue TTM
58.29M
Revenue Per Share
6.00
Gross Profit TTM
58.29M
Debt / Equity
0.28
ROE
6.84%
Net Debt
-67.05M
ROCE
0.35%
Diluted EPS TTM
1.31

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 17.44M 17.45M 18.93M 23.58M 28.96M
Net income 14.42M 13.75M 13.06M 17.76M 21.27M
Selling general administrative 24.46M 23.54M 21.92M 22.60M 23.27M
Selling and marketing expenses 2.07M 0.79M 0.73M 1.02M 0.99M
Gross profit 49.25M 59.46M 59.01M 67.19M 69.69M
Reconciled depreciation 3.23M 3.42M 3.74M 1.45M 1.60M
Ebit 6.31M 17.45M 18.93M 39.19M 28.96M
Ebitda 8.90M 20.87M 22.67M 40.64M 30.55M
Depreciation and amortization 2.58M 3.42M 3.74M 1.45M 1.60M
Operating income 6.31M 17.45M 18.93M 39.19M 28.96M
Other operating expenses 83.76M 81.98M 75.50M 1.02M -40.73M
Interest expense 39.07M 43.14M 35.90M 13.03M 10.37M
Tax provision 3.02M 3.70M 5.87M 5.82M 7.69M
Interest income 87.63M 89.61M 84.25M 69.40M 64.03M
Net interest income 51.18M 46.47M 48.35M 56.37M 53.67M
Income tax expense 3.02M 3.70M 5.87M 5.82M 7.69M
Total revenue 90.07M 99.43M 94.44M 67.19M 69.69M
Total operating expenses 42.94M 42.01M 40.08M 1.02M -40.73M
Cost of revenue 40.82M 39.97M 35.42M - -
Total other income expense net 11.13M 48.58M -5.40M -15.61M -10.37M
Net income from continuing ops 14.42M 13.75M 13.06M 17.76M 21.27M
Net income applicable to common shares - - - 17.76M 21.27M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 1781.76M 1748.52M 1851.39M 1816.39M 1739.63M
Intangible assets 0.40M 4.64M 5.56M 6.71M 8.06M
Other current assets - - 44.34M 1393.60M 1131.87M
Total liab 1593.82M 1569.43M 1678.06M 1649.30M 169.95M
Total stockholder equity 187.94M 179.08M 173.33M 167.09M 170.87M
Other current liab 1025.25M 1488.15M 1312.90M 1424.72M 1387.54M
Common stock 0.10M 0.10M 0.10M 0.10M 0.10M
Capital stock 0.10M 0.10M 0.10M 0.10M 0.10M
Retained earnings 90.00M 80.84M 71.12M 65.40M 50.67M
Other liab - - - 7.69M 11.27M
Good will 31.50M 31.50M 31.50M 31.50M 31.50M
Other assets 156.50M 151.86M - 1436.79M 1131.87M
Cash 118.85M 50.17M 37.14M 35.61M 49.20M
Total current liabilities 0.52M 1493.15M 1377.98M 1424.72M 1387.54M
Net debt -67.05M 16.43M 111.54M 179.33M 120.75M
Short term debt 0.52M 5.00M 65.08M - -
Short long term debt 0.00M 5.00M - - -
Short long term debt total 51.80M 66.61M 148.68M 214.94M 169.95M
Other stockholder equity 110.31M 114.56M 119.44M 119.24M 119.92M
Property plant equipment - - - 20.49M 21.17M
Total current assets 1577.01M 128.70M 44.34M 40.90M 256.19M
Long term investments 223.22M 235.97M 252.98M 280.00M 290.84M
Net tangible assets - - - 133.14M 135.47M
Short term investments 134.10M 72.87M 155.74M 165.99M 203.07M
Net receivables 1324.05M 5.65M 5.41M 5.29M 3.92M
Long term debt 51.80M 66.61M 147.00M 214.94M 169.95M
Inventory - - -198.29M 1.27M 1.41M
Accounts payable - - - 1424.72M 1387.54M
Accumulated other comprehensive income -12.47M -16.42M -17.33M -17.66M 0.16M
Common stock total equity - - - 0.10M 0.10M
Retained earnings total equity - - - 65.40M 50.67M
Non currrent assets other -1320.81M 53.74M 44.37M -338.70M -351.57M
Non current assets total 204.75M 1619.82M 1807.05M 338.70M 351.57M
Long term debt total - - - 72.41M 58.43M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 18.24M 113.74M -56.53M -117.11M -165.88M
Change to liabilities - - - 0.00M 0.00M
Total cashflows from investing activities 45.71M 113.74M - -119.19M -163.20M
Net borrowings -15.01M -80.61M - 28.59M -12.08M
Total cash from financing activities 11.28M -120.88M 22.86M 77.57M 69.85M
Change to operating activities - - - 5.56M 0.00M
Net income 14.42M 13.75M 13.06M 17.76M 21.27M
Change in cash 68.68M 13.03M 1.77M -12.33M -71.75M
Begin period cash flow 50.17M 37.14M 35.36M 47.69M 119.44M
End period cash flow 118.85M 50.17M 37.14M 35.36M 47.69M
Total cash from operating activities 11.69M 20.18M -33.78M 29.29M 21.60M
Depreciation 3.23M 3.42M 3.13M 4.03M 4.04M
Other cashflows from investing activities 45.71M 92.84M - 1.52M 6.46M
Dividends paid 3.60M 3.35M 3.04M 2.74M 2.51M
Change to account receivables -5.29M -1.77M 0.05M 0.08M 1.24M
Sale purchase of stock -6.25M -6.22M -0.55M -1.91M -7.98M
Other cashflows from financing activities 35.95M -30.71M 26.61M 183.85M 0.13M
Change to netincome - - - 11.53M 0.33M
Capital expenditures 1.31M 0.89M 1.37M 3.60M 3.78M
Cash and cash equivalents changes - - - -12.33M -71.75M
Change in working capital -2.05M 0.94M 0.85M 6.60M 2.97M
Stock based compensation - - 0.72M 0.00M 0.01M
Other non cash items -0.67M 1.69M -44.77M -0.26M -7.62M
Free cash flow 10.38M 19.29M -35.15M 25.69M 17.82M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
CZWI
Citizens Community Bancorp Inc		 0.22
0.94%		 23.60 16.64 10.72 3.61 1.10 4.08
DBSDY
DBS Group Holdings Ltd ADR		 3.79
1.76%		 219.67 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 0.03
0.45%		 6.69 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 0.11
0.32%		 34.84 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 5.05
5.86%		 91.30 11.53 10.27 5.72 1.83 8.22

Profile*

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.

2174 EastRidge Center, Eau Claire, WI, United States, 54701

715 836 9994

https://ccf.us

217

Name Title Year Born
Mr. Stephen M. Bianchi Chairman, Pres & CEO 1963
Mr. James S. Broucek Exec. VP, CFO, Treasurer & Sec. 1964
Mr. Mike M. Dietsch Community Bank Pres of Faribault NA
Mr. Stephen M. Bianchi Chairman of the Board, President & CEO 1963
Mr. James S. Broucek CFO, Principal Accounting Officer, Executive VP, Treasurer & Secretary 1964

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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