Citizens Community Bancorp Inc. Common Stock (CZWI)

FairStock Score: 65/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a small regional bank like Citizens Community Bancorp through the lens of durable returns and the price paid for them. It serves Wisconsin, Minnesota and some international customers with 217 employees, a business I understand but one without an obvious wide moat; community banking is competitive and capital-intensive. The filed record shows steady but unspectacular profits: net income was $13.1M in fiscal year 2023 (ended 2023-12-31), $13.8M in fiscal year 2024 (ended 2024-12-31), and $14.4M in fiscal year 2025 (ended 2025-12-31), with diluted EPS of $1.25, $1.34 and $1.46. That is respectable consistency, but the Lynch category given is SLOW GROWER, based on 2.5% annual profit growth over five years. More troubling, fiscal Q2 2026, the quarter ended 2026-06-30, produced only $1.1M of net income and $0.11 diluted EPS, far below $3.8M and $0.39 in fiscal Q1 2026, the quarter ended 2026-03-31, and $3.7M and $0.37 in fiscal Q3 2025, the quarter ended 2025-09-30. At the 2026-10-13 close of $21.23, FairStock calculates a P/E of 16.21, a P/B of 1.07, an ROE of 6.83% and a Piotroski F-score of 4/9. A low beta of 0.51 and a 1.48% dividend yield add defensiveness, but a sub-7% ROE at roughly book value does not scream bargain. I would need CET1, net interest margin, efficiency ratio and credit quality data—none are provided—before trusting the bank’s leverage and underwriting. Without them, the stock looks fairly priced at best, with the latest quarter demanding explanation.

In plain English: Citizens Community Bancorp is a small regional bank that takes deposits and makes loans in Wisconsin, Minnesota, and some international markets. Its profits have been steady over the past three fiscal years, but the latest quarter was much weaker than earlier quarters. At the recent price, the stock trades close to its accounting value and at a moderate price compared with earnings, so it looks roughly fair rather than clearly cheap.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q4 2025 10-Q (period ended 2025-12-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer