Is Citizens Community Bancorp Inc. (CZWI) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 34.7% | |
| Net Margin | 23.9% | |
| Return on Equity (ROE) | 7.9% | |
| Return on Assets (ROA) | 0.8% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $12M |
| Free Cash Flow | $10M |
| Total Debt | $52M |
| Total Assets | $1.8B |
Price & Trading
| Last Close | $19.42 |
| 50-Day MA | $18.44 |
| 200-Day MA | $16.67 |
| Avg Volume | 57K |
| Beta | 0.7 |
|
52-Week Range
$12.69
| |
About Citizens Community Bancorp Inc. (CZWI)
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. It also provides various loan products, such as commercial real estate, commercial and industrial, agricultural real estate, agricultural operating, and consumer loans; and one-to-four family residential mortgages and home equity lines-of-credit. In addition, the company maintains a portfolio of investments comprising mortgage-backed, asset-backed, U.S. Government sponsored agency, and corporate debt securities. Citizens Community Bancorp, Inc. was founded in 1938 and is based in Eau Claire, Wisconsin.
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Frequently Asked Questions
Is Citizens Community Bancorp Inc. (CZWI) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Citizens Community Bancorp Inc. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Citizens Community Bancorp Inc.'s debt ratio?
Citizens Community Bancorp Inc.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Citizens Community Bancorp Inc.'s key financial metrics?
Citizens Community Bancorp Inc. has a market capitalization of $186M, trailing P/E ratio of 13.2, and revenue of $62M. Return on equity stands at 7.9%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.