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Citizens Community Bancorp Inc. (CZWI) Stock Forecast 2025 - AI Price Prediction & Analysis

Citizens Community Bancorp Inc. (CZWI) AI Stock Price Forecast & Investment Analysis

Citizens Community Bancorp Inc. Stock Price Chart and Technical Analysis

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Citizens Community Bancorp Inc. (CZWI) - Comprehensive Stock Analysis & Investment Research

Company Overview & Business Profile

Citizens Community Bancorp Inc. (Stock Symbol: CZWI) is a leading company in the Finance sector , specifically operating within the Savings Institution, Federally Chartered industry. The organization employs approximately 139 professionals worldwide . The company has established itself as an emerging investment opportunity with substantial growth potential.

Financial Performance & Key Metrics Analysis

Annual Revenue: $58 million generating a 29.9% net profit margin .

Market Capitalization: $165 million - Classified as a small-cap investment offering high growth potential.

Return on Equity (ROE): 12.6% - Above-average shareholder return efficiency, indicating areas for operational improvement.

Advanced AI Stock Prediction & Price Target Analysis

🚀 Unlock Premium AI Predictions to access our advanced machine learning forecasts for Citizens Community Bancorp Inc. stock, including 7-day, 30-day, and 90-day price targets with confidence intervals and risk assessments.

Market Position & Competitive Advantage Analysis

Citizens Community Bancorp Inc. strategically competes in the highly dynamic Savings Institution, Federally Chartered marketplace, representing an emerging small-cap investment with substantial growth potential and market disruption capabilities . The company demonstrates robust operational efficiency through strong free cash flow generation of $13 million annually , complemented by impressive 85.3% year-over-year cash flow growth

Citizens Community Bancorp Inc. (CZWI) Fundamental Analysis & Insider Trading Data (Quarterly Financial Reports)

Comprehensive quarterly financial data, earnings trends, insider transactions, and institutional holdings for Citizens Community Bancorp Inc. stock analysis.

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Deep dive into Citizens Community Bancorp Inc.'s financial health, valuation metrics, and operational efficiency to make informed investment decisions.

Understanding Valuation Metrics

What these metrics mean: Valuation metrics help determine if Citizens Community Bancorp Inc. stock is fairly priced compared to its earnings, assets, and market position.

How to read them: Lower P/E ratios may indicate undervalued stocks, while higher ratios suggest growth expectations. P/B ratio compares market value to book value.

For Citizens Community Bancorp Inc.: With a P/E ratio of 13.24, the market sees the stock as potentially undervalued.

P/E Ratio 13.24x
P/B Ratio 0.90x
Market Cap $165M
Dividend Yield 0.02%
EPS $1.24
Book Value/Share $18.34
Revenue/Share $5.80
FCF/Share $1.77
Understanding Profitability Metrics

What these metrics mean: These ratios measure how efficiently Citizens Community Bancorp Inc. converts revenue into profit and generates returns for shareholders.

How to read them: Higher ROE/ROA indicate better management efficiency. Margin percentages show profit at different operational levels.

For Citizens Community Bancorp Inc.: An ROE of 12.6% shows good shareholder value creation.

ROE 12.6%
ROA 1.2%
Net Margin 29.9%
EBT Margin 40.5%
Tax Rate 26.2%
Understanding Financial Health Metrics

What these metrics mean: These ratios assess Citizens Community Bancorp Inc.'s ability to meet short-term obligations and manage debt levels effectively.

How to read them: Current ratio >2 is generally good, Quick ratio >1 shows strong liquidity. Lower D/E ratios indicate conservative debt management.

For Citizens Community Bancorp Inc.:

D/E Ratio 1.04x
Financial Leverage 10.73x
Understanding Cash Flow Metrics

What these metrics mean: Cash flow metrics reveal Citizens Community Bancorp Inc.'s ability to generate cash from operations and fund growth initiatives.

How to read them: Positive operating cash flow is crucial. Free cash flow shows money available for dividends, buybacks, or investments.

For Citizens Community Bancorp Inc.: Free cash flow of $13M provides flexibility for shareholder returns and growth investments.

Operating Cash Flow $17M
Free Cash Flow $13M
Capital Spending $-4M
OCF Growth YoY 85.3%
FCF Growth YoY 249.7%
FCF/Sales 18.7%
CapEx/Sales 6.0%
Understanding Operational Efficiency Metrics

What these metrics mean: These ratios measure how effectively Citizens Community Bancorp Inc. uses its assets and manages working capital.

How to read them: Higher turnover ratios indicate efficient asset utilization. Shorter collection periods show effective credit management.

For Citizens Community Bancorp Inc.: An asset turnover of 0.03x suggests room for improvement in asset utilization.

Asset Turnover 0.03x
Fixed Assets Turnover 3.2x
Understanding Financial Statement Data

What these metrics mean: Key figures from Citizens Community Bancorp Inc.'s income statement and balance sheet showing absolute financial performance.

How to read them: Revenue shows business scale, while margins indicate profitability. Balance sheet items reveal financial structure.

For Citizens Community Bancorp Inc.: With annual revenue of $58M, Citizens Community Bancorp Inc. represents a smaller but potentially high-growth operation.

Income Statement ($ Millions)
Total Revenue $58M
SG&A Expense $43M
Balance Sheet Highlights ($ Millions)
Cash & Short-term Investments $15M
Total Liabilities $91M
Accounts Receivable $0M
Dividend & Shareholder Information
Dividends Per Share $0.29
Payout Ratio 0.2%
Shares Outstanding 10M
Growth Metrics (YoY)
EPS Growth 9.0%

Latest Citizens Community Bancorp Inc. Stock News & Market Analysis

Breaking news, analyst reports, and market updates affecting Citizens Community Bancorp Inc. (CZWI) stock price and investment outlook.

, source: Yahoo Finance

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Citizens Community Bancorp Inc. Competitors & Peer Analysis - Finance Sector

Comparative analysis of Citizens Community Bancorp Inc. against industry peers and competitors in the Finance sector, featuring AI-powered forecasts and key financial metrics.

Company Ticker Symbol 90-Day AI Forecast Market Cap (USD M) P/E Ratio P/B Ratio
AX Unlock Forecast $5162M 11.9x 1.9x
BCBP Unlock Forecast $150M 29.0x 0.5x
BFIN Unlock Forecast $195M 12.4x 1.1x
BKU Unlock Forecast $2899M 11.2x 1.0x
BRKL Unlock Forecast $2404M 30.5x 1.9x
BVFL Unlock Forecast $172M 16.1x 0.9x
BYFC Unlock Forecast $66M 34.2x 0.2x
CARV Unlock Forecast $15M -2.3x 0.5x
CFFN Unlock Forecast $862M 14.1x 0.8x
CFSB Unlock Forecast $91M 230.8x 1.2x
CLBK Unlock Forecast $1575M 255.4x 1.4x
CLST Unlock Forecast $54M 24.9x 0.7x
CPBI Unlock Forecast $64M x 0.8x
CZWI Unlock Forecast $165M 13.2x 0.9x
EBC Unlock Forecast $3658M 8.3x 1.0x
FCAP Unlock Forecast $145216M 11026.3x 1178.7x
FDSB Unlock Forecast $78M 30.2x 0.6x
FFBW Unlock Forecast $80M 37.7x 1.0x
FGBI Unlock Forecast $107M 25.6x 0.4x
FGBIP Unlock Forecast $239M 60.2x 0.9x
FMAO Unlock Forecast $359M 12.1x 1.0x
FNRN Unlock Forecast $191M 9.3x 1.0x
FNWD Unlock Forecast $141M 26.6x 0.9x
FSEA Unlock Forecast $55M -9.9x 0.9x
FSFG Unlock Forecast $181M 17.5x 1.0x
HFBL Unlock Forecast $42M 10.4x 0.8x
HTB Unlock Forecast $684M x 1.2x
HTBI Unlock Forecast $653M 11.3x 1.2x
IROQ Unlock Forecast $85M 25.9x 1.1x
KFFB Unlock Forecast $0M -20.2x 0.0x
KRNY Unlock Forecast $426M 16.3x 0.6x
LSBK Unlock Forecast $91M 16.6x 1.0x
MFBI Unlock Forecast $6M x 0.5x
MGNO Unlock Forecast $9M x 0.5x
MGYR Unlock Forecast $109M 12.7x 1.0x
MSVB Unlock Forecast $48M 29.2x 1.4x
NFBK Unlock Forecast $498M 14.2x 0.7x
NRIM Unlock Forecast $510M 11.4x 1.8x
NSTS Unlock Forecast $63M 184.3x 0.8x
PDLB Unlock Forecast $358M 20.5x 0.7x
PFS Unlock Forecast $2573M 11.1x 1.0x
PROV Unlock Forecast $105M 16.8x 0.8x
RVSB Unlock Forecast $106M 20.5x 0.7x
SBT Unlock Forecast $253M 47.4x 0.8x
SFBC Unlock Forecast $122M 19.4x 1.2x
TBNK Unlock Forecast $74M -141.4x 0.3x
TCBC Unlock Forecast $88M 2329.5x 1.1x
TFSL Unlock Forecast $3819M 45.9x 2.0x
WNEB Unlock Forecast $255M 21.1x 1.1x
WSBF Unlock Forecast $277M 13.4x 0.8x

Frequently Asked Questions - Citizens Community Bancorp Inc. Stock Forecast

How accurate are Citizens Community Bancorp Inc. stock predictions?

Our AI model demonstrates 69% historical accuracy for CZWI predictions, based on advanced machine learning algorithms trained on over 10 years of market data.

What factors influence Citizens Community Bancorp Inc. stock price forecasts?

Our analysis considers Citizens Community Bancorp Inc.'s financial metrics, Finance sector trends, market sentiment, technical indicators, earnings data, and macroeconomic factors affecting stock performance.

Is Citizens Community Bancorp Inc. a good investment in 2025?

Based on our AI analysis, Citizens Community Bancorp Inc. shows potential for various market scenarios. Consider your risk tolerance, investment timeline, and portfolio diversification before making investment decisions.

How often are Citizens Community Bancorp Inc. forecasts updated?

Citizens Community Bancorp Inc. stock forecasts are updated daily using real-time market data, ensuring you receive the most current AI-powered predictions and investment insights.

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