Citizens Community Bancorp, Inc.
CZWIFinancial Services · Stock · annual payer
Forward Yield
1.44%
Annual Dividend
$0.32
Payout Ratio
16%
5-Yr Growth
11.4%
Ex-Date
Aug 7, 2026
Frequency
Annual
Summary
As of August 2026, Citizens Community Bancorp, Inc. (CZWI) yields 1.44% ($0.32 per share annually), with a blended fair-value estimate of $16.99 — -23% downside, so it screens as overvalued. Dividend safety grade: C (63/100). 6 years of dividend growth.
Is CZWI a good dividend stock?
Yes, with caveatsCitizens Community Bancorp, Inc. (CZWI) pays a annual dividend yielding 1.44% ($0.32/yr), with 6 years of growth and a dividend-safety grade of C. It's a solid income payer, but check the caveats below before buying.
Advantages
- Comfortable payout ratio (16%)
- Strong 11.4% 5-yr dividend growth
- 58% total price return over 5 years
Risks
- Cut its dividend in 2013
Key Data
- Dividend Yield
- 1.44%
- Payout Ratio
- 16%
- Annual Dividend
- $0.32
- 5-Yr Avg Growth
- 11.4%
- Ex-Dividend Date
- Aug 7, 2026
- Years of Growth
- 6
- Frequency
- annual
- Beta
- 0.51
- Market Cap
- $209.6M
- P/E Ratio
- 16.7
- 5-Yr Total Return
- 58%
- 52-Week Range
- $14.61 – $24.43
- Dividend Safety
- C · 63/100
- Ever Cut?
- Yes (2013)
Frequently Asked Questions
CZWI Price — Last 12 Months
Daily close
Price Return
1 Year
+33%
3 Years
+112%
5 Years
+58%
52-Week Range
$14.61 – $24.43
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is CZWI worth?
Overvaluedmedium confidenceOur blended fair-value estimate for Citizens Community Bancorp, Inc. is $16.99 per share, versus a market price of $22.00. That implies 23% of downside.
Fair Value
$16.99
Current Price
$22.00
Downside
-23%
Margin of Safety
-30%
How we get there
Discounted cash flow
Discounts projected free cash flow back to today.
Dividend discount
Discounts the future dividend stream back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about 2.3% annual free-cash-flow growth. We model 3.0% — below our estimate, leaving room for upside if the business executes.
Assumptions: 7.0% discount rate (CAPM), 3.0% stage-1 growth, 2.5% terminal growth, $1.31 EPS, $0.32 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
CZWI Dividend Safety Score
Borderline
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| May 8, 2026 | — | $0.1050 | regular |
| Feb 6, 2026 | — | $0.1050 | regular |
| Feb 7, 2025 | — | $0.3600 | regular |
| Feb 8, 2024 | — | $0.3200 | regular |
| Feb 2, 2023 | — | $0.2900 | regular |
| Feb 11, 2022 | — | $0.2600 | regular |
| Feb 10, 2021 | — | $0.2300 | regular |
| Feb 4, 2020 | — | $0.2100 | regular |
| Feb 7, 2019 | — | $0.2000 | regular |
| Feb 8, 2018 | — | $0.2000 | regular |
| Mar 7, 2017 | — | $0.1600 | regular |
| Mar 9, 2016 | — | $0.1200 | regular |
| Mar 11, 2015 | — | $0.0800 | regular |
| Mar 11, 2014 | — | $0.0400 | regular |
Income Calculator
At $0.32 / yr per share
