Citizens Community Bancorp, Inc. (CZWI)

Citizens Community Bancorp's stock has trended upwards by 7.57% in the past six months. The company reported strong Q3 2025 earnings of $0.37 diluted EPS, an increase from previous quarters, with a revenue beat but a slight EPS miss. The company surpassed Q2 earnings estimates, sparking a stock surge. Additionally, the company redeemed $15 million of subordinated debt and authorized a new 5% common stock buyback program. However, profits have declined by 5.2% annually over the past five years, and projected revenue growth trails the U.S. market average.

Information regarding specific demand seasonality for Citizens Community Bancorp, Inc.'s products and services is not readily available.

Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal N.A., offering community banking services. Its major products include commercial real estate loans, C&I loans, agricultural loans, residential mortgages, and consumer loans, along with deposit products like demand deposits, savings accounts, and certificates of deposit. The company also manages a diversified investment portfolio.

Citizens Community Bancorp, Inc. primarily serves customers in Wisconsin and Minnesota, specifically in the Chippewa Valley Region in Wisconsin, and the Twin Cities and Mankato markets in Minnesota. The company operates through a network of 21 to 25 full-service branch locations.

Citizens Community Bancorp, Inc. maintains a reputation for providing community-centric banking services and upholding a tradition of reliability and personalized service. The company emphasizes its commitment to engaging customers, colleagues, and communities to generate strong results and increase franchise value. No specific events have negatively affected the company's brand reputation in the past year.

The ownership structure of Citizens Community Bancorp stock includes institutional investors (34.16% to 43.80%), insiders (12.11%), and public companies and individual investors (9.64% to 44.10%). Major institutional owners include Alliancebernstein L.P., Vanguard Group Inc., and BlackRock, Inc. Martin Friedman owns the most shares among individual investors.