Is Citizens Community Bancorp, Inc. (Wisconsin) CZWI stock halal to invest in?

No, as of August 2026, Citizens Community Bancorp, Inc. (Wisconsin) stock (CZWI) is not currently classified as a Shariah compliant stock. This verdict follows the screening methodology of AAOIFI (the Accounting and Auditing Organization for Islamic Financial Institutions), whose Shariah Standard No. 21 is the leading global benchmark for screening halal stocks. To qualify as halal under this standard, a company must keep non-permissible income below 5% of total revenue, keep both interest-bearing investments and interest-bearing debt below 30% of market capitalisation, and have no impermissible preference share structure. Citizens Community Bancorp, Inc. (Wisconsin) currently does not meet the threshold for the non-permissible income and interest-bearing investments screens. Because screenings are refreshed monthly as new financial reports are published, a non-compliant stock can regain compliant status if its financial structure changes. You can track the latest status of Citizens Community Bancorp, Inc. (Wisconsin) and discover Shariah compliant alternatives among the halal stocks in the Tabadulat app.

How often is Citizens Community Bancorp, Inc. (Wisconsin) CZWI reviewed for Shariah compliance?

Tabadulat reviews Citizens Community Bancorp, Inc. (Wisconsin) CZWI for Shariah compliance every month. Each review applies the AAOIFI Shariah Standard No. 21 methodology, screening the company's business activities, non-permissible income, interest-bearing investments, interest-bearing debt, and preference shares, against the company's latest available financial data. The process operates under the direct supervision of Tabadulat's dedicated Shariah Supervisory Board of Islamic finance scholars. Because compliance depends on financial ratios that move with market capitalisation and reported results, a stock's status can change from one review to the next. Monthly screening ensures the status shown for Citizens Community Bancorp, Inc. (Wisconsin) reflects current financial data rather than an outdated assessment, and Tabadulat app users are notified if a holding in their portfolio becomes non-compliant.

Does Citizens Community Bancorp, Inc. (Wisconsin) CZWI pass the AAOIFI Non Permissible Income criteria?

No, as of August 2026, Citizens Community Bancorp, Inc. (Wisconsin) stock (CZWI) does not pass the AAOIFI non-permissible income screen. Under AAOIFI Shariah Standard No. 21, income from impermissible sources (such as interest or riba, conventional financial services, alcohol, gambling, or tobacco) must remain below 5% of a company's total revenue. Citizens Community Bancorp, Inc. (Wisconsin)'s income from non-permissible sources currently exceeds this 5% ceiling, which makes the stock non-compliant on this criterion regardless of how it performs on the other screens. The screen is reassessed monthly, so the status can change when the company releases new financial statements.

Does Citizens Community Bancorp, Inc. (Wisconsin) CZWI pass the AAOIFI Interest Bearing Investments criteria?

No, as of August 2026, Citizens Community Bancorp, Inc. (Wisconsin) stock (CZWI) does not pass the AAOIFI interest-bearing investments screen. Under AAOIFI Shariah Standard No. 21, the cash a company places in interest-earning instruments (such as conventional deposits, bonds, treasury bills and money-market funds) must remain below 30% of its market capitalisation. Citizens Community Bancorp, Inc. (Wisconsin)'s interest-bearing investments currently exceed this 30% limit, meaning too large a share of the company's value derives from riba-based instruments for the stock to qualify as halal on this criterion. The ratio moves with both the balance sheet and the share price, and is reassessed monthly.

Does Citizens Community Bancorp, Inc. (Wisconsin) CZWI pass the AAOIFI Interest Bearing Debt criteria?

Yes, as of August 2026, Citizens Community Bancorp, Inc. (Wisconsin) stock (CZWI) passes the AAOIFI interest-bearing debt screen. Under AAOIFI Shariah Standard No. 21, a company's borrowings that accrue interest (conventional bank loans, bonds and similar riba-based financing) must remain below 30% of its market capitalisation. This cap limits shareholders' exposure to interest-based leverage. Citizens Community Bancorp, Inc. (Wisconsin)'s interest-bearing debt is currently within the 30% threshold. Because market capitalisation changes daily, a company's debt ratio can drift toward or away from the limit even without new borrowing, which is why this screen is reassessed every month.

What is the dividend purification factor for Citizens Community Bancorp, Inc. (Wisconsin) CZWI stock?

Citizens Community Bancorp, Inc. (Wisconsin) (CZWI) is currently classified as not Shariah compliant, so no dividend purification factor applies, because purification factors are calculated only for stocks that pass the AAOIFI screens. Purification (tazkiyah) is the practice of donating to charity the small portion of dividend income that stems from incidental non-permissible sources, such as interest earned on a compliant company's cash deposits. For non-compliant stocks the issue is not purification but eligibility: under AAOIFI Shariah Standard No. 21 the stock does not currently qualify as a halal investment. If Citizens Community Bancorp, Inc. (Wisconsin) returns to compliance in a future monthly screening, its purification factor will be published alongside its updated status in the Tabadulat app.

Does Citizens Community Bancorp, Inc. (Wisconsin) CZWI pass the AAOIFI Preference Share screen?

Yes, as of August 2026, Citizens Community Bancorp, Inc. (Wisconsin) stock (CZWI) passes the AAOIFI preference share screen. AAOIFI Shariah Standard No. 21 prohibits investing in preference shares because they grant holders guaranteed or priority rights to dividends and capital ahead of ordinary shareholders, a structure that conflicts with the Shariah principle that investors should share profit and loss in proportion to their ownership. Citizens Community Bancorp, Inc. (Wisconsin) has no impermissible preference share structure affecting its ordinary shares, so the stock is compliant on this criterion. Like all AAOIFI screens, this is verified in each monthly review.

Invest Halal, Anytime, Anywhere

Download the Tabadulat app and start building your Shariah-compliant portfolio in minutes.

English

العربية

Citizens Community Bancorp, Inc. (Wisconsin)

NASDAQ

Shariah-Compliant

Not Shariah

CZWI

About

Citizens Community Bancorp, Inc. (Wisconsin)

CZWI

Citizens Community Bancorp Inc. is a bank holding company that primarily operates through its subsidiary, Citizens Community Federal National Association. The company is focused on providing a comprehensive range of financial products and services to individuals and small to medium-sized businesses. With a regional footprint primarily in the upper Midwest of the United States, Citizens Community Bancorp plays a crucial role in serving community banking needs. It offers traditional banking products, including savings and checking accounts, mortgages, personal and business loans, and other financial services tailored to local customers. The bank emphasizes personalized customer service and community involvement, positioning itself as a vital partner in the economic development of the areas it serves. Citizens Community Bancorp Inc. is significant in the financial markets as it represents the interconnectedness of regional economies with the broader U.S. banking industry, highlighting the importance of community banking institutions in fostering local growth and financial stability.

Sector:

Financial Services

Industry:

Banks - Regional

Employees:

207

Website:

https://ccf.us

CZWI

Frequently asked questions

Related stocks

Mobile login screen for Tabadulat with fields to enter email, a Continue button, an option to create an account, and a language selector showing EN.

Step 1

Open your account.

Create your Tabadulat account in minutes: enter your details, complete identity verification, and add funds by secure transfer in multiple currencies. You're ready to start investing in halal stocks the same day.

Mobile screen showing add money interface with 100 AED amount and Manual Bank Transfer payment method selected, noting 1-2 business days processing.

Step 2

Deposit.

Add funds to your account using a secure payment method. You can deposit in multiple currencies to get started.

Step 3

Screen.

Screen Stocks for Free and explore a wide range of stocks that are ethically screened for Shariah compliance. Use our Halal Stock Screener to find the best opportunities.

Citizens Community Bancorp, Inc. (Wisconsin)

About

Citizens Community Bancorp, Inc. (Wisconsin)

CZWI

Frequently asked questions

Is Citizens Community Bancorp, Inc. (Wisconsin) CZWI stock halal to invest in?

How often is Citizens Community Bancorp, Inc. (Wisconsin) CZWI reviewed for Shariah compliance?

Does Citizens Community Bancorp, Inc. (Wisconsin) CZWI pass the AAOIFI Non Permissible Income criteria?

Does Citizens Community Bancorp, Inc. (Wisconsin) CZWI pass the AAOIFI Interest Bearing Investments criteria?

Does Citizens Community Bancorp, Inc. (Wisconsin) CZWI pass the AAOIFI Interest Bearing Debt criteria?

What is the dividend purification factor for Citizens Community Bancorp, Inc. (Wisconsin) CZWI stock?

Does Citizens Community Bancorp, Inc. (Wisconsin) CZWI pass the AAOIFI Preference Share screen?

Can I buy Citizens Community Bancorp, Inc. (Wisconsin) (CZWI) stock on Tabadulat?

Open your account.

Deposit.

Screen.