← Russell 3000 cross-section

CZWI Citizens Community Bancorp Inc.

Trailing twelve months to 2026-06-30 · as filed 2026-08-06, not restated
Financials

Scale

Market cap
$200m
Revenue TTM
$64m
Net income TTM
$13m
Free cash flow
$19m
Composite score
26.9
Sector rank
#2872

Valuation

P / E
15.6
EV / EBITDA
EV / sales
2.0
FCF yield
9.67%
Earnings yield vs 10-yr
1.67pp

Earnings yield vs 10-yr compares what the business earns per pound invested against the 4.73% a 10-year US Treasury note pays for no equity risk. Negative means you are paying up front for growth not yet delivered.

Quality and growth

Net margin
19.9%
EBITDA margin
ROE
6.7%
ROIC
Revenue growth
10.2%

Insider activity, last 90 days

Net open-market
$0.03m
Buyers
2
Sellers
0

Open-market purchases and sales only. Grants, option exercises, gifts and shares withheld for tax are excluded: they are how people are paid, not what they think.

What management said

PERFORMANCE SUMMARY We reported net income of $1.1 million and $4.9 million, or $0.11 and $0.50 per diluted share for the three and six months ended June 30, 2026, compared to net income of $3.3 million and $6.5 million, or $0.33 and $0.65 per diluted share for the three and six months ended June 30, 2025, respectively. The second quarter of 2026 provision was largely due to: (1) a net increase of $3.1 million in specific reserves on nonaccrual loans to $6.3 million and (2) charge-offs of $1.4 million. …Citizens Community Bancorp Inc., 10-Q, period ended 2026-06-30, filed 2026-08-06

Read the full passage →