NASDAQ · Banks - Regional

CZWI (CZWI) Stock

$20.91 -3.51% NASDAQ: CZWI Financial Services

Valuation

MetricValue
Price$20.91
Market Cap$201.66M
P/E Ratio13.98
P/B Ratio1.05
P/S Ratio2.17
EPS (TTM)$0.00
52-Week High$24.18
52-Week Low$12.83
Dividend Yield1.03%

Financials & Margins

MetricValue
ROE7.45%
ROA0.79%
ROCE3.19%
Gross Margin6.67%
Operating Margin6.67%
Net Margin16.49%
Debt/Equity0.28
Current Ratio0.13

Annual Financials (USD)

Metric20212022202320242025
Revenue$80.0M$80.0M$94.0M$99.0M$90.0M
Operating Profit$29.0M$24.0M$19.0M$17.0M$6.0M
Net Profit$21.0M$18.0M$13.0M$14.0M$14.0M
EPS$1.98$1.69$1.25$1.34$1.46
Op Margin36.2%29.4%20.1%17.6%7.0%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$1.7B$1.8B$1.9B$1.7B$1.8B
Total Liabilities$1.6B$1.6B$1.7B$1.6B$1.6B
Cash$49.0M$36.0M$37.0M$50.0M$119.0M
Borrowings$170.0M$215.0M$147.0M$67.0M$52.0M

Latest News

Citizens Community Bancorp (CZWI) is on the Move, Here's Why the Trend Could be Sustainable Zacks · Jul 2, 2026 Are You Looking for a High-Growth Dividend Stock? Zacks · Jun 10, 2026 Why Citizens Community Bancorp, Inc. (CZWI) is a Great Dividend Stock Right Now Zacks · May 25, 2026 Zacks Industry Outlook Highlights Deutsche WSFS Financial, Southern Missouri Bancorp and Citizens Community Bancorp Zacks · May 21, 2026 Zacks Industry Outlook Highlights WSFS Financial, Southern Missouri Bancorp and Citizens Community Bancorp Zacks · May 20, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$22.0M$29.0M$13.0M$20.0M$12.0M
Investing Cash Flow$-167.0M$-123.0M$-36.0M$113.0M$44.0M
Financing Cash Flow$84.0M$36.0M$94.0M$-37.0M$30.0M
Net Cash Flow$-72.0M$-12.0M$2.0M$13.0M$69.0M
Free Cash Flow$18.0M$26.0M$12.0M$19.0M$10.0M

Valuation & Return Ratios

MetricValue
PEG Ratio—
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y53.49%
Return 3Y144.37%
Return 5Y85.07%

Ownership

Insiders Held15.82%
Institutions Held61.29%
Institutions Float Held72.81%
Institutional HolderSharesReport Date
Wellington Management Group, LLP593,9962026-03-31
Blackrock Inc.507,9002026-03-31
Manufacturers Life Insurance Co.484,1882026-03-31
Vanguard Capital Management LLC461,2212026-03-31
Dimensional Fund Advisors LP346,7412026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BVFL $21.43 +0.56% 13.77 $185.56M 0.00%
CFBK $35.65 +0.68% 10.34 $229.37M 1.22%
FNWD $45.53 +0.57% 17.26 $197.28M 1.09%
HNVR $26.50 -1.41% 23.26 $189.65M 1.75%
INBK $29.21 -0.17% -5.97 $254.61M 0.99%

About CZWI

CZWI is led by CEO Stephen Bianchi, employs 207 people, headquartered in US, publicly traded since 2004.

CZWI stock trades at $20.91 with a market capitalization of $201.66M. The stock is valued at a price-to-earnings (P/E) ratio of 13.98, price-to-book of 1.05, price-to-sales of 2.17. Over the past 52 weeks the stock has ranged between $12.83 and $24.18, and currently trades 13.5% below its 52-week high. It pays a dividend yielding 1.03%.

On profitability, CZWI generates a return on equity (ROE) of 7.45%, return on capital employed of 3.19%, an operating margin of 6.67%, a net profit margin of 16.49%.

Related Financial Services Stocks

BRK.A Insurance - Diversified $733370.00 +0.00% BRK.B FIRE, MARINE & CASUALTY INSURANCE $482.70 +0.00% JPM Banks - Diversified $357.52 +0.34% V Financial - Credit Services $362.50 -2.15% MA Financial - Credit Services $562.95 -2.26% BAC Banks - Diversified $63.17 +0.27% HSBC Banks - Diversified $102.60 -1.06% MS Financial - Capital Markets $203.19 -3.97% GS Financial - Capital Markets $980.75 -5.09% RY Banks - Diversified $206.45 -2.79% WFC Banks - Diversified $83.87 -3.45% MUFG Banks - Diversified $21.94 -2.18%

Popular Stocks

Apple (AAPL)Microsoft (MSFT)NVIDIA (NVDA)Alphabet (GOOGL)Amazon (AMZN)Meta (META)Tesla (TSLA)Broadcom (AVGO)Eli Lilly (LLY)Exxon Mobil (XOM)

Screens featuring this stock

High ROE Financial Services StocksLow P/E Financial Services StocksHigh Net Margin Financial Services StocksDividend Financial Services StocksLow Debt Financial Services StocksNasdaq High ROE StocksAll stock screens
Run Stock Screener Investing Guides