Citizens Community Bancorp, Inc.
CZWIFinancial ServicesNASDAQBanks - Regional · Last scanned Oct 26, 2026
Scan Results
Daily timeframePart of the financial services sector, Citizens Community Bancorp, Inc. (CZWI) is listed under Banks - Regional. With a market capitalization of $206.7M, it sits in micro-cap territory. operates as a bank holding company for Citizens Community Federal N.A.
Market Cap
$206.7M
Beta
0.51
P/E (TTM)
16.35
P/E (Fwd)
9.87
EPS (TTM)
$1.31
EPS (Fwd)
$2.17
ROE
6.8%
ROA
0.7%
Cash
$121.8M
Total Debt
$52.5M
Free CF
—
52W Change
34.8%
Annual Financials
Cash vs Debt
Where CZWI stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, CZWI finished 0.14% below its 150-day moving average ($21.14) and 3.73% above its 200-day moving average ($20.35). 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 October 20, 2026 close, CZWI's RSI(14) was 45.8, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
Citizens Community Bancorp, Inc. holds $121.8M in cash against $52.5M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. Return on equity stands at 6.8%, which is modest for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. 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).
With a beta below 0.7, Citizens Community Bancorp, Inc. typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. With cash comfortably exceeding debt, CZWI has financial flexibility that may help navigate uncertain periods. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Citizens Community Bancorp, Inc.'s trajectory.