Citizens Community Bancorp, Inc. (CZWI)

Citizens Community Bancorp, Inc.'s stock has shown an upward trend, increasing by 17.31% in the past six months and 5.13% over the last year. The company has consistently increased its dividend for six consecutive years at an average annual rate of 11.38% over the last five years. In November 2025, company executives presented at the Hovde Group Financial Services Conference. As of November 26, 2025, the stock's closing price was $17.21, with a 52-week high of $17.48 and a low of $12.69.

The banking industry experiences seasonal trends, with loan demand typically lowest in January and February, increasing in March, and peaking in August or September before declining towards December. This seasonality is influenced by changes in interest rates. The banking sector in Wisconsin reported sound financial performance through year-end 2024, with lending and deposits increasing.

Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal N.A., offering community banking services to businesses, agricultural operators, and consumers in the United States. The company provides deposit accounts and various loans, including commercial real estate, commercial and industrial, agricultural, and consumer loans. It also maintains an investment portfolio comprising mortgage-backed, corporate asset-backed, and government-sponsored securities.

Citizens Community Bancorp, Inc. is headquartered in Eau Claire, Wisconsin, and primarily serves customers in Wisconsin and Minnesota, with operations in Michigan. Its key markets include the Chippewa Valley Region in Wisconsin and the Mankato and Twin Cities regions in Minnesota. The company operates through 21 branch locations.

Citizens Community Bancorp, Inc. has focused on maintaining strong financial performance and market positioning. An AI analyst's assessment in October 2025 indicated a "Neutral" rating, reflecting strong financial performance and reasonable valuation, offset by mixed technical indicators. The company's solid cash flow and profitability are considered significant strengths.

Citizens Community Bancorp, Inc. is a publicly traded bank holding company with ownership distributed among institutional and individual investors. Institutional investors hold the majority of the company's stock. Major institutional shareholders include Alliancebernstein L.p., Vanguard Group Inc, Fourthstone LLC, The Manufacturers Life Insurance Company, and BlackRock, Inc.