Citizens Community Bancorp, Inc.
CZWIFinancial ServicesNASDAQBanks - Regional
Scan Results
Daily timeframeCitizens Community Bancorp, Inc. The $213.0M market capitalization puts CZWI squarely in micro-cap range for its industry. operates as a bank holding company for Citizens Community Federal N.A.
Market Cap
$213.0M
Beta
0.51
P/E (TTM)
16.85
P/E (Fwd)
10.17
EPS (TTM)
$1.31
EPS (Fwd)
$2.17
ROE
6.8%
ROA
0.7%
Cash
$47.6M
Total Debt
$147.5M
Free CF
—
52W Change
35.1%
Annual Financials
Cash vs Debt
Where CZWI stands vs its 150-day and 200-day moving averages
As of the August 26, 2026 close, CZWI finished 2.66% above its 150-day moving average ($20.31) and 6.60% above its 200-day moving average ($19.56). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is CZWI overbought or oversold?
At the August 26, 2026 close, CZWI's RSI(14) was 37.5, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
The company holds $47.6M in cash, though total debt stands at $147.5M. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. ROE of 6.8% points to modest capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 0.7% is on the lower side, which is common in asset-heavy industries. Revenue has been relatively flat, moving from $67.2M (2022) to $62.3M (2025).
CZWI's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing CZWI.