Trailing Dividend / Share
$0.37
Citizens Community Bancorp, Inc. (CZWI) Dividend History
Income profile from 2004 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
1.8%
Payout Ratio
25.0%
Sustainable
Dividend Streak
7 years
CZWI Dividend Income Check
Safety
25.0% payout ratio with sustainable safety profile.
Consistency
7 straight years of dividend increases.
Income Trend
Yield on cost is 3.3% and trend is rising.
CZWI Dividend Scorecard
Yield & Income
Dividend Yield1.8%
Trailing DPS$0.37
FrequencySemi-Annual
Payments / 12M2
Payout Safety
Earnings Payout25.0%
Earnings SafetySustainable
FCF Payout31.9%
FCF SafetyWell Covered
Piotroski F-Score6/9
Growth
Growth Streak7 years
3Y CAGR11.5%
5Y CAGR11.4%
Yield on Cost (5Y)3.3%
YOC Trendrising
Total Returns
Buyback Yield3.1%
Total Shareholder Yield4.8%
1Y Total Return45.6%
5Y Total Return71.2%
Div Contribution (5Y)10.2%
Estimated $10K growth (return + dividends):
5Y ago$17,12410Y ago$25,70320Y ago$25,878
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). Different time windows can produce different outcomes depending on market regime and entry point.
CZWI Income Growth Story
Dividend per share and yield on cost over time (20 years of payments)
CZWI Dividend Safety Story
EPS is the container — dividend is what's drawn out
Dividend Analysis
Payout Safety
Citizens Community Bancorp, Inc. distributes 25.0% of earnings as dividends (Sustainable). When measured against free cash flow—a stricter test—the payout ratio stands at 31.9%, rated "Well Covered".
Piotroski F-Score: 6/9 — moderate financial health.
Growth Track Record
CZWI has raised its dividend for 7 consecutive years, with a 3-year CAGR of 11.5% and 5-year CAGR of 11.4%.
Total Shareholder Returns
Beyond cash dividends, CZWI returns capital through share repurchases. The combined picture: 1.8% dividend yield, 3.1% buyback yield, 4.8% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 3.3% and is currently rising. The 5-year total return is 71.2%, with dividends contributing 10.2% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $25,703 today.
CZWI Recent Dividend Payments
Last 20 payments · Semi-Annual
TTM Total$2.95
Avg/Payment$0.1475
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| May 8, 2026Latest | $0.1050 | — | 1.01% | May 22, 2026 |
| Feb 6, 2026 | $0.1050 | ↓ -70.8% | 55.26% | Feb 20, 2026 |
| Feb 7, 2025 | $0.3600 | ↑ +12.5% | 2.32% | Feb 21, 2025 |
| Feb 8, 2024 | $0.3200 | ↑ +10.3% | 2.76% | Feb 23, 2024 |
| Feb 2, 2023 | $0.2900 | ↑ +11.5% | 2.32% | Feb 17, 2023 |
| Feb 11, 2022 | $0.2600 | ↑ +13.0% | 1.59% | Feb 28, 2022 |
| Feb 10, 2021 | $0.2300 | ↑ +9.5% | 2.07% | Feb 25, 2021 |
| Feb 4, 2020 | $0.2100 | ↑ +5.0% | 1.77% | Feb 19, 2020 |
CZWI Dividend vs Peers
Comparable companies in the same industry
#8 yield in peer group
Div Yield
1.8%
#8 of 9
Safety
Sustainable
25.0% payout
Streak
7Y
11.4% 5Y CAGR
Total Shareholder
4.8%
#4 of 9
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
| CZWICitizens Community B… | $203M | 1.8% | 25.0% | 7 | Sustainable |
 BWFGBankwell Financial G… | $415M | 1.5% | 17.8% | 0 | Sustainable |
 HONEHarborOne Bancorp, I… | $522M | 2.6% | 47.8% | 5 | Sustainable |
3rd  NECBNortheast Community … | $339M | 4.0% | 30.0% | 2 | Sustainable |
 LKFNLakeland Financial C… | $1.6B | 3.2% | 49.7% | 12 | Sustainable |
2nd  KRNYKearny Financial Cor… | $508M | 5.5% | 1.1% | 0 | Sustainable |
 NBTBNBT Bancorp Inc. | $2.4B | 3.2% | 42.9% | 12 | Sustainable |
 FBIZFirst Business Finan… | $473M | 2.1% | 19.2% | 13 | Sustainable |
1st  JACKJack in the Box Inc. | $266M | 6.3% | — | 0 | Unknown |
CZWI Annual Dividend History (2003–2026)
24 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $0.21 | — | 2 | — | — | — | 1.9% |
| 2025 | $0.36 | 12.5% | 1 | $1.46 | 24.7% | 4.06x | 3.3% |
| 2024 | $0.32 | 10.3% | 1 | $1.34 | 23.9% | 4.19x | 2.9% |
| 2023 | $0.29 | 11.5% | 1 | $1.25 | 23.2% | 4.31x | 2.6% |
| 2022 | $0.26 | 13.0% | 1 | $1.69 | 15.4% | 6.50x | 2.4% |
| 2021 | $0.23 | 9.5% | 1 | $1.98 | 11.6% | 8.61x | 2.1% |
| 2020 | $0.21 | 5.0% | 1 | $1.14 | 18.4% | 5.43x | 1.9% |
| 2019 | $0.20 | 0.0% | 1 | $0.85 | 23.5% | 4.25x | 1.8% |
| 2018 | $0.20 | 25.0% | 1 | $0.38 | 52.6% | 1.90x | 1.8% |
| 2017 | $0.16 | 33.3% | 1 | $0.46 | 34.8% | 2.88x | 1.5% |
See CZWI's True Return
Price is only half the story. See total return with reinvested dividends.
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Start ComparisonCZWI — Frequently Asked Questions
Quick answers to the most common questions about buying CZWI stock.
How much dividend does CZWI pay per share?
Citizens Community Bancorp, Inc. (CZWI) pays a trailing 12-month dividend of $0.37 per share, with a current dividend yield of +1.8%. Payments are made Semi-Annual.
When is CZWI's next ex-dividend date?
CZWI's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. CZWI typically pays dividends Semi-Annual.
Is CZWI's dividend safe?
CZWI's dividend safety is rated "Sustainable" based on an earnings payout ratio of +25.0% and FCF payout ratio of +31.9%. The 7-year growth streak provides moderate confidence.
Is CZWI a Dividend Payer?
Yes, Citizens Community Bancorp, Inc. is classified as a Dividend Payer with 7 consecutive years of dividend increases. The 5-year dividend CAGR is +11.4%, demonstrating above-inflation dividend growth.
How often does CZWI pay dividends?
Citizens Community Bancorp, Inc. pays dividends Semi-Annual. The trailing 12-month total is $0.37 per share. Dividend data on this page covers 22+ years from 2004 to 2026.
How much would $10,000 invested in CZWI grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in CZWI five years ago would be worth approximately $17,124 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is CZWI's yield on cost for long-term holders?
CZWI's yield on cost — the current dividend divided by the original purchase price — is +3.3% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +1.8% market yield, thanks to consistent dividend growth.