Citizens Community Bancorp Inc MD
Research Citizens Community Bancorp Inc MD (CZWI) on Bullrun: valuation model: 12.3% overvalued, market cap USD 201.21M, P/E 15.9, dividend yield 1.5%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerCZWI
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal12.3% overvalued
- Market capUSD 201.21M
- P/E15.9
- Dividend yield1.5%
- Financial periodQ2 2026
- RevenueUSD 16.12M
- Net incomeUSD 1.10M
- Free cash flowUSD 6.44M
Valuation Snapshot
Bullrun's latest valuation model marks Citizens Community Bancorp Inc MD as 12.3% overvalued; latest market cap is USD 201.21M; P/E is 15.9; dividend yield is 1.5%.
Peer valuation comparison
Latest P/E is 15.85x versus a Financial Services sector median of 13.84x (14.6% above).
Latest dividend yield is 1.51% versus a Financial Services sector median of 3.86% (60.8% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 62.29M | USD 14.42M | USD 10.38M | n/a | 1.46 | USD 118.85M | USD 51.80M | USD 187.94M |
| FY2024 | USD 56.29M | USD 13.75M | USD 19.51M | n/a | 1.34 | USD 50.17M | USD 66.61M | USD 179.08M |
| FY2023 | USD 58.54M | USD 13.06M | USD 11.76M | n/a | 1.25 | USD 37.14M | USD 147.00M | USD 173.33M |
| FY2022 | n/a | USD 17.76M | USD 25.69M | n/a | 1.69 | USD 35.36M | USD 189.15M | USD 167.09M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 201.21M | 15.9 | 1.5% | 0.32 |
| 2025 | 2025-12-31 | USD 171.38M | 12.2 | 2.0% | 0.36 |
| 2024 | 2024-12-31 | USD 162.61M | 12.2 | 2.0% | 0.32 |
| 2023 | 2023-12-29 | USD 122.58M | 8.7 | 2.5% | 0.29 |
| 2022 | 2022-12-30 | USD 126.12M | 6.6 | 2.2% | 0.26 |
| 2021 | 2021-12-31 | USD 144.62M | 6.9 | 1.7% | 0.23 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 0.32 USD, yield 1.5%.
| Year | Dividends/share |
|---|---|
| FY2025 | 0.36 USD |
| FY2024 | 0.32 USD |
| FY2023 | 0.29 USD |
| FY2022 | 0.26 USD |
About Citizens Community Bancorp Inc MD
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 in the United States, Wisconsin, Minnesota and internationally. The company offers various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit.
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Frequently asked questions
Is Citizens Community Bancorp Inc MD overvalued or undervalued?
Bullrun's valuation model currently marks Citizens Community Bancorp Inc MD as 12.3% overvalued.
What is Citizens Community Bancorp Inc MD's market cap?
Citizens Community Bancorp Inc MD's market capitalization is USD 201.21M.
What is Citizens Community Bancorp Inc MD's P/E ratio?
Citizens Community Bancorp Inc MD's price-to-earnings (P/E) ratio is 15.9.
Does Citizens Community Bancorp Inc MD pay a dividend?
Citizens Community Bancorp Inc MD has a dividend yield of 1.5%.
What does Citizens Community Bancorp Inc MD do?
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 in the United States, Wisconsin, Minnesota and internationally. The company offers various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit.