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Citizens Community Bancorp, Inc. (CZWI)
Performance
Risk-Adjusted Performance
Dividends
Drawdowns
Volatility
Financials

Company Info

ISIN

US1749031043

CUSIP

174903104

Sector

Financial Services

IPO Date

Mar 30, 2004

Highlights

Market Cap

$156.22M

EPS (TTM)

$1.34

PE Ratio

11.68

Total Revenue (TTM)

$64.21M

Gross Profit (TTM)

$75.71M

EBITDA (TTM)

$16.70M

Year Range

$9.91 - $16.65

Target Price

$18.50

Short %

0.26%

Short Ratio

1.00

Share Price Chart


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Compare to other instruments

Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.


Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in Citizens Community Bancorp, Inc., comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.


0.00%10.00%20.00%30.00%SeptemberOctoberNovemberDecember2025February
23.65%
9.25%
CZWI (Citizens Community Bancorp, Inc.)
Benchmark (^GSPC)

Returns By Period

Citizens Community Bancorp, Inc. had a return of -1.70% year-to-date (YTD) and 36.86% in the last 12 months. Over the past 10 years, Citizens Community Bancorp, Inc. had an annualized return of 7.87%, while the S&P 500 had an annualized return of 11.26%, indicating that Citizens Community Bancorp, Inc. did not perform as well as the benchmark.


CZWI

YTD

-1.70%

1M

-0.30%

6M

21.49%

1Y

36.86%

5Y*

8.02%

10Y*

7.87%

^GSPC (Benchmark)

YTD

3.96%

1M

1.97%

6M

9.03%

1Y

22.16%

5Y*

12.60%

10Y*

11.26%

*Annualized

Monthly Returns

The table below presents the monthly returns of CZWI, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2025-2.76%-1.70%
20243.67%-1.32%4.20%-9.47%5.82%-0.60%11.84%3.55%5.75%-0.28%14.72%0.49%42.93%
20233.16%2.96%-14.98%-5.00%-15.57%4.00%16.04%0.97%-7.43%-8.13%20.41%10.26%-0.34%
20224.87%11.91%-4.97%-13.24%2.75%2.67%-6.36%-1.93%-4.17%3.94%14.94%-17.26%-11.21%
20211.91%3.52%10.31%4.75%3.92%1.26%1.24%0.79%-1.50%-1.09%0.96%0.29%29.13%
2020-1.96%-1.30%-44.49%19.38%-4.55%-6.67%-3.50%4.38%-0.29%10.31%18.42%21.00%-9.32%
20197.80%3.19%0.08%-1.26%-6.79%-1.28%0.55%0.46%1.10%0.45%7.46%2.26%14.03%
20180.37%4.09%0.82%-2.17%1.09%2.09%-1.06%0.71%-0.71%-8.93%-7.84%-7.23%-18.07%
20170.24%1.20%11.23%2.60%-0.91%-0.71%0.14%-2.86%2.57%-2.51%0.88%-1.60%9.99%
2016-3.38%-3.21%2.54%2.35%6.88%5.82%-2.41%0.49%10.04%-3.31%5.07%9.44%33.18%
20150.05%0.55%-0.21%-0.55%-0.55%1.78%-0.65%-0.00%-2.86%0.11%4.97%1.83%4.36%
20148.64%2.48%-2.56%-0.20%0.20%6.23%3.55%-1.71%2.31%0.56%5.45%-2.55%24.02%

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

With an overall rank of 84, CZWI is among the top 16% of stocks on our website when it comes to balancing risk and reward. Below is a breakdown of how it compares using common performance measures.


The Risk-Adjusted Performance Rank of CZWI is 8484
Overall Rank
The Sharpe Ratio Rank of CZWI is 8888
Sharpe Ratio Rank
The Sortino Ratio Rank of CZWI is 8585
Sortino Ratio Rank
The Omega Ratio Rank of CZWI is 8282
Omega Ratio Rank
The Calmar Ratio Rank of CZWI is 8282
Calmar Ratio Rank
The Martin Ratio Rank of CZWI is 8484
Martin Ratio Rank
The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

Risk-Adjusted Performance Indicators

The charts below present risk-adjusted performance metrics for Citizens Community Bancorp, Inc. (CZWI) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.


Sharpe ratio
The chart of Sharpe ratio for CZWI, currently valued at 1.68, compared to the broader market-2.000.002.004.001.681.83
The chart of Sortino ratio for CZWI, currently valued at 2.45, compared to the broader market-6.00-4.00-2.000.002.004.006.002.452.47
The chart of Omega ratio for CZWI, currently valued at 1.30, compared to the broader market0.501.001.502.001.301.33
The chart of Calmar ratio for CZWI, currently valued at 1.30, compared to the broader market0.002.004.006.001.302.76
The chart of Martin ratio for CZWI, currently valued at 6.50, compared to the broader market-10.000.0010.0020.0030.006.5011.27
CZWI
^GSPC

The current Citizens Community Bancorp, Inc. Sharpe ratio is 1.68. This value is calculated based on the past 1 year of trading data and takes into account price changes and dividends.

Use the chart below to compare the Sharpe ratio of Citizens Community Bancorp, Inc. with the selected benchmark, providing insights into the investment's historical performance in terms of risk-adjusted returns. Go to the Sharpe ratio tool for more fine-grained control over the calculation options.


Rolling 12-month Sharpe Ratio1.001.502.002.503.003.50SeptemberOctoberNovemberDecember2025February
1.68
1.83
CZWI (Citizens Community Bancorp, Inc.)
Benchmark (^GSPC)

Dividends

Dividend History

Citizens Community Bancorp, Inc. provided a 2.30% dividend yield over the last twelve months, with an annual payout of $0.36 per share. The company has been increasing its dividends for 11 consecutive years.


0.50%1.00%1.50%2.00%2.50%$0.00$0.05$0.10$0.15$0.20$0.25$0.30$0.3520142015201620172018201920202021202220232024
Dividends
Dividend Yield
PeriodTTM20242023202220212020201920182017201620152014
Dividend$0.36$0.32$0.29$0.26$0.23$0.21$0.20$0.20$0.16$0.12$0.08$0.04

Dividend yield

2.30%1.96%2.48%2.16%1.67%1.93%1.64%1.83%1.19%0.97%0.85%0.44%

Monthly Dividends

The table displays the monthly dividend distributions for Citizens Community Bancorp, Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2025$0.00$0.36$0.36
2024$0.00$0.32$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.32
2023$0.00$0.29$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.29
2022$0.00$0.26$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.26
2021$0.00$0.23$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.23
2020$0.00$0.21$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.21
2019$0.00$0.20$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.20
2018$0.00$0.20$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.20
2017$0.00$0.00$0.16$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.16
2016$0.00$0.00$0.12$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.12
2015$0.00$0.00$0.08$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.08
2014$0.04$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.04

Dividend Yield & Payout


Dividend Yield
100.0%200.0%300.0%400.0%500.0%600.0%2.3%
Citizens Community Bancorp, Inc. has a dividend yield of 2.30%, which is quite average when compared to the overall market.
Payout Ratio
200.0%400.0%600.0%800.0%27.1%
Citizens Community Bancorp, Inc. has a payout ratio of 27.07%, which is quite average when compared to the overall market. This suggests that Citizens Community Bancorp, Inc. strikes a balance between reinvesting profits for growth and paying dividends to shareholders.

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.


-15.00%-10.00%-5.00%0.00%SeptemberOctoberNovemberDecember2025February
-5.59%
-0.07%
CZWI (Citizens Community Bancorp, Inc.)
Benchmark (^GSPC)

Worst Drawdowns

The table below displays the maximum drawdowns of the Citizens Community Bancorp, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the Citizens Community Bancorp, Inc. was 68.63%, occurring on Nov 30, 2009. Recovery took 1373 trading sessions.

The current Citizens Community Bancorp, Inc. drawdown is 5.59%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-68.63%Aug 7, 2006670Nov 30, 20091373Jun 17, 20162043
-59.83%Aug 7, 2018407Apr 3, 2020255Apr 9, 2021662
-51.44%Feb 14, 2022315May 17, 2023382Nov 21, 2024697
-29.53%Feb 11, 200586Nov 3, 200561Apr 27, 2006147
-15.09%Apr 6, 20049Apr 20, 200468Oct 28, 200477

Volatility

Volatility Chart

The current Citizens Community Bancorp, Inc. volatility is 2.84%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.


2.00%4.00%6.00%8.00%10.00%SeptemberOctoberNovemberDecember2025February
2.84%
3.21%
CZWI (Citizens Community Bancorp, Inc.)
Benchmark (^GSPC)

Financials

Financial Performance

The chart below illustrates the trends in the financial health of Citizens Community Bancorp, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.

Annual
Quarterly

0.0

Valuation

The Valuation section provides an assessment of the market value of Citizens Community Bancorp, Inc. compared to its peers in the Banks - Regional industry.


PE Ratio
20.040.060.080.0100.0120.011.7
The chart displays the price to earnings (P/E) ratio for CZWI in comparison to other companies of the Banks - Regional industry. Currently, CZWI has a PE value of 11.7. This PE ratio falls in the average range for the industry.
PEG Ratio
-5.00.05.010.015.00.0
The chart displays the price to earnings to growth (PEG) ratio for CZWI in comparison to other companies of the Banks - Regional industry. Currently, CZWI has a PEG value of 0.0. This PEG ratio falls in the average range for the industry.

Historical P/E Ratio Chart

The chart below displays the historical trend of the price-to-earnings (P/E) ratio for Citizens Community Bancorp, Inc..


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Income Statement



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items
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Disclaimer

The information contained herein does not constitute investment advice and made available for educational purposes only. Prices and returns on equities are listed without consideration of fees, commissions, taxes, penalties, or interest payable due to purchasing, holding, or selling.

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