profit from every $100 of sales.
$0$100
Citizens Community Bancorp
$23.82+1.62% today
+40.9% in 1 year
1-year low $16.341-year high $24.40
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $15.78 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Citizens Community Bancorp sold, what it kept, and what it did with the cash.
Sales went from $67.2 million in 2022 to $62.3 million in 2025, with $14.4 million of profit last year.
SalesProfit
Citizens Community Bancorp handed back 95% of the cash it generated last year.
Buybacks $6M$4M
Free cash flow 2025$10M
Bought back its own shares$6M
Paid as dividends$4M
Cash vs. debt$119M vs. $52M
Citizens Community Bancorp vs. similar companies
Citizens Community Bancorp grows the slowest of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Citizens Community Bancorp | 15.8× · Fair price | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Citizens Community Bancorp's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 67 | 59 | 56 | 62 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 18 | 13 | 14 | 14 | |
| 1.69 | 1.25 | 1.34 | 1.46 | |
| – | – | – | – | |
| – | – | – | – | |
| 26.4% | 22.3% | 24.4% | 23.1% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 1,816 | 1,851 | 1,749 | 1,782 |
| Cash | 36 | 37 | 50 | 119 |
| Total debt | 215 | 147 | 67 | 52 |
| Total liabilities | 1,649 | 1,678 | 1,569 | 1,594 |
| 167 | 173 | 179 | 188 | |
| 11 | 10 | 10 | 10 | |
| – | – | – | – | |
| 10.6% | 7.5% | 7.7% | 7.7% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 29 | 13 | 20 | 12 | |
| 4 | 1 | 1 | 1 | |
| 26 | 12 | 20 | 10 | |
| Dividends paid | 3 | 3 | 3 | 4 |
| 2 | 1 | 6 | 6 | |
| 0 | 0 | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 15.8×
- 13.3×
- –
- 1.1×
- 3.7×
- 6.3%
- 1.0%
Profitability
- 23.1%
- 0.3%
- 5.3%
- 8.0%
- 0.8%
Growth
- −2.5%
- −4.8%
- +11.4%
- −2.4%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 16%of 754
Bottom 24%of 605
Bottom 42%of 883
Bottom 17%of 880
Top 49%of 929
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 27, 2026 | 0.39 | 0.36 | +8.3% |
| Jan 26, 2026 | 0.44 | 0.37 | +18.9% |
| Oct 27, 2025 | 0.37 | 0.37 | +0.0% |
| Jul 28, 2025 | 0.33 | 0.29 | +13.8% |
| Apr 28, 2025 | 0.32 | 0.27 | +18.5% |
| Mar 13, 2025 | 0.27 | – | – |
| Oct 28, 2024 | 0.32 | 0.27 | +18.5% |
| Jul 29, 2024 | 0.35 | 0.27 | +29.6% |
1.0%of the share price, paid each year
On $1,000 invested$10a year at today's yield, before tax
+11.4%2020 to 2025
Raised6 yearsin a row, in our data
Paid per share, each year
$0.08 in 2015 → $0.36 in 2025
How safe it looks
25.0% of its profit
Room to growStretchedMore than it earns: 34.7%
News
Citizens Holding reports Q3 resultsSeeking Alpha · Nov 3, 2026Omega Healthcare Investors raised to Buy-equivalent at Citizens after stock cools from 52-week highSeeking Alpha · Oct 22, 2026First Citizens (FCNCA): Is the SVB-Boosted Bank Still Undervalued for the S&P 500 Index?Yahoo Finance · Oct 20, 2026First Citizens BancShares (FCNCA): Buy, Sell, or Hold Post Q2 Earnings?Yahoo Finance · Oct 16, 2026Peoples Bancorp gets regulatory green light for Citizens National mergerSeeking Alpha · Sep 29, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
48No pass
Benjamin Graham
69Pass
Philip Fisher
50No pass
Peter Lynch
29No pass
Joel Greenblatt
14No pass
Charlie Munger
48No pass
Terry Smith
35No pass
Questions about Citizens Community Bancorp
Is Citizens Community Bancorp a good stock to buy?
A strong, very profitable business at a fair price. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Citizens Community Bancorp AI analysis
What does Citizens Community Bancorp 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. It is in Banks - Regional.
Does Citizens Community Bancorp pay a dividend?
Yes. At today's price the dividend is 1.0% a year, about 25% of its yearly profit. In 2025 it paid out $3.60 million in dividends.
Is Citizens Community Bancorp stock halal?
No. Citizens Community Bancorp does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Citizens Community Bancorp stock done over the past year?
Up 40.9% over the past twelve months, to $23.82. It traded between $16.34 and $24.40 and is 2.4% below its high.
Who are Citizens Community Bancorp's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Citizens Community Bancorp's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.