Net interest margin trajectory - compression from deposit competition or expansion from rate environment changes
Loan portfolio growth rates in residential mortgage and commercial real estate segments
Credit quality metrics - non-performing loan ratios and provision expense trends
Deposit growth and funding cost management in competitive Wisconsin/Minnesota markets
moderate - Community banks experience cyclical pressure through credit quality deterioration during recessions and reduced loan demand during slowdowns. However, residential mortgage focus provides some stability versus pure commercial lenders. Wisconsin/Minnesota economic conditions (manufacturing, agriculture, healthcare sectors) directly impact loan demand and credit performance. The negative revenue growth suggests current headwinds from refinancing activity decline and competitive loan pricing.
High sensitivity to interest rate environment and yield curve shape. Rising short-term rates increase deposit costs faster than loan yields reprice, compressing NIM in the near term. However, sustained higher rates eventually benefit as variable-rate loans and maturing fixed-rate assets reprice upward. Inverted or flat yield curves severely pressure profitability by eliminating the maturity transformation spread. The current 0.28 debt/equity ratio indicates minimal direct borrowing cost sensitivity, but deposit beta (how quickly deposit rates follow Fed funds) is critical.
Digital banking disruption - larger banks and fintechs offer superior mobile/online platforms that erode community bank deposit franchises, particularly among younger demographics
Regulatory compliance burden - Dodd-Frank and evolving capital requirements impose disproportionate costs on sub-$1B asset institutions, pressuring efficiency ratios and limiting competitive positioning
Branch network obsolescence - physical footprint becomes liability as transaction volumes shift digital, creating stranded fixed costs in rural/suburban Wisconsin markets
value - Trading at 0.9x book value attracts investors seeking asset-based value in potential turnaround or acquisition scenarios. The 17.8% one-year return suggests some momentum interest, but negative revenue growth limits pure growth investor appeal. Dividend investors may be attracted if payout ratio is sustainable, though 7.8% ROE provides limited capital generation for distributions. Primarily appeals to regional bank specialists and small-cap value managers willing to accept illiquidity.
Trend
+9.8% vs SMA 50 · +23.3% vs SMA 200
Momentum
Distribution pattern detected. More selling days than accumulation over the past 20 sessions. Not a conducive environment for a squeeze.
Based on volume distribution analysis. Direct short interest data (short float %, days to cover) is not available in current data sources.
ANALYST ESTIMATES
Analyst consensus estimates · Actuals replace estimates as reported
| Year | Revenue Est. | Rev Gth | EPS Est. | EPS Gth | Range | Analysts |
|---|---|---|---|---|---|---|
FY2023 | $60.7M $60.7M–$60.7M | — | $1.34 | — | — | Low1 |
FY2024 | $56.7M $56.7M–$56.7M | ▼ -6.6% | $1.31 | ▼ -1.7% | — | Low1 |
FY2025 | $62.1M $62.1M–$62.1M | ▲ +9.5% | $1.35 | ▲ +3.0% | — | Low1 |
Dividend per payment — last 8 periods
INSTITUTIONAL OWNERSHIP
CZWI News
About
Citizens Community Bancorp is the holding company for Citizens Community Federal, a community bank with about 20 branches in Wisconsin, southern Minnesota, and northern Michigan. Serving consumers and businesses, the bank offers standard deposit services such as savings, checking, money market, and retirement accounts, as well as a variety of loan products. The bank focuses its lending activities on one- to four-family mortgages, which represent more than half of its loan portfolio. The bank also offers consumer loans such as auto and personal loans; it does not routinely make commercial loans. Founded in 1938, Citizens Community was a state-chartered credit union until 2001.
| Symbol | Price | Day % | Mkt Cap↓ | P/E | Rev Grw | Margin | ELO |
|---|---|---|---|---|---|---|---|
CZWI◀ | $20.58 | -1.67% | $198M | 13.2 | -941.2% | 1601.0% | 1500 |
| $297.81 | -0.70% | $798.0B | 14.1 | +330.7% | 2039.3% | 1503 | |
| $325.75 | +1.00% | $624.4B | 28.0 | +1134.0% | 5014.5% | 1500 | |
| $494.20 | +0.87% | $436.7B | 28.3 | +1641.6% | 4564.7% | 1490 | |
| $49.77 | -0.16% | $353.2B | 11.4 | -45.1% | 1592.6% | 1495 | |
| $192.51 | -1.04% | $303.6B | 16.6 | +1147.7% | 1466.4% | 1526 | |
| $948.47 | -2.11% | $279.8B | 15.9 | -138.4% | 1373.0% | 1526 | |
| Sector avg | — | -0.54% | — | 18.2 | +447.1% | 2521.6% | 1506 |