Citizens Community Bancorp

CZWI

Banks - Regional · Financial Services

Price

$23.25

-0.38 (-1.61%)

Market Cap

$224.2M

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count falling — buybacks

−9.5% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 10.7M (2021) → 9.7M (2025)

Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal N.A. that provides various traditional community banking services to businesses, agricultural operators, and consumers. The company accepts various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit. It also offers various loan products comprising commercial real estate, commercial and industrial, agricultural real estate, agricultural operat

Winston Score History

Score breakdown

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Quality

Gross Margin

62.1%

Premium pricing power — 62.1% gross margin

Operating Margin

18.9%

Healthy — 18.9% operating margin

ROCE

1.9%

Weak — 1.9% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-6.5%

Shrinking sales (-6.5% YoY)

EPS YoY

+21.4%

Earnings growing fast (21.4% YoY)

Healthy double-digit earnings growth — what compounders look like.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

94%

Modest — 94% of profit becomes cash

FCF Margin

14.2%

Converts sales into free cash efficiently (14.2%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

Debt / Equity

0.27

Conservative — low debt load (0.27)

Interest Cover

0.18x

Dangerous — barely covers interest (0.2x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

15.2x

Fair value — P/E 15.2

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+2.2

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend Yield

0.89%

Small dividend — 0.89% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend Growth

-10.1%

Dividend cut (-10.1% YoY) — warning sign

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