CZWI
Citizens Community Bancorp, Inc.
NasdaqGMUSDEQUITY
Financial Services
DELAYED
Last price
21.07
▲ 0.18 (0.84%)
MARKET · —
Price
Open
21.21
Prev close
20.90
Day high
21.22
Day low
20.74
Volume
80.99K
Market cap
$203.33M
P/E (TTM)
16.08
52W range
14.61 – 24.43
Trailing performance
Returnvs SPY
1W
+0.24%
+1.6%
1M
-8.31%
-12.0%
3M
+3.23%
+0.1%
6M
+14.45%
+3.4%
YTD
+18.24%
+5.9%
1Y
+32.52%
+12.5%
3Y
+108.41%
+34.2%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap$203.33M
Enterprise value$330.70M
Revenue (TTM)$58.29M
Gross profit$58.29M
EBITDA—
Net income$12.81M
EPS (TTM)$1.31
Free cash flow—
Total cash$47.59M
Total debt$147.50M
Book value / share$12.62
Shares outstanding9.65M
Float8.93M
Short % of float1.44%
Dividend yield1.50%
Beta (5Y)0.51
Valuation & profitability ratios
Trailing P/E16.08
Forward P/E9.71
PEG ratio—
Price / sales—
Price / book1.67
EV / revenue5.67
EV / EBITDA—
Gross margin0.00%
Operating margin16.56%
Profit margin21.98%
Return on equity6.83%
Return on assets0.72%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Total revenue | $62.33M | $56.58M | $58.60M | $66.80M |
| Cost of revenue | $0 | $0 | $0 | $0 |
| Gross profit | $0 | $0 | $0 | $0 |
| R&D | — | — | — | — |
| SG&A | — | — | — | — |
| Operating income | — | — | — | — |
| Pre-tax income | — | — | — | — |
| Tax provision | $0 | $0 | $0 | $0 |
| Net income | $14.42M | $13.75M | $13.06M | $17.76M |
| EBIT | $0 | $0 | $0 | $0 |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Cash & equivalents | — | — | — | — |
| Short-term investments | — | — | — | — |
| Net receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Total current assets | — | — | — | — |
| Total assets | — | — | — | — |
| Total current liabilities | — | — | — | — |
| Long-term debt | — | — | — | — |
| Total liabilities | — | — | — | — |
| Retained earnings | — | — | — | — |
| Shareholder equity | — | — | — | — |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Net income | $14.42M | $13.75M | $13.06M | $17.76M |
| Depreciation | — | — | — | — |
| Change in working capital | — | — | — | — |
| Operating cash flow | — | — | — | — |
| Capital expenditure | — | — | — | — |
| Investing cash flow | — | — | — | — |
| Dividends paid | — | — | — | — |
| Buybacks | — | — | — | — |
| Financing cash flow | — | — | — | — |
| Net change in cash | — | — | — | — |
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.41 | 0.11 | -73.2% |
| Mar 2026 | 0.36 | 0.39 | +8.3% |
| Dec 2025 | 0.40 | 0.44 | +11.4% |
| Sep 2025 | 0.37 | 0.37 | 0.0% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.44 | 2 | $16.90M | +4.1% |
| Next quarter | 0.49 | 2 | $17.50M | +11.1% |
| Current year | 1.43 | 2 | $66.50M | +6.7% |
| Next year | 2.17 | 2 | $73.80M | +11.0% |
Analyst targets & ownership
Mean target$22.25
High target$23.00
Low target$21.50
Implied upside5.60%
Analyst count2
ConsensusHOLD
Strong buy / Buy0 / 0
Hold2
Sell / Strong sell0 / 0
Held by insiders15.81%
Held by institutions59.72%
Institutions holding140
Price targets, consensus spread, insider and institutional ownership.
Insider net activity
Net shares
+12.85K
Net buying
Buy transactions
10
17.85K shares
Sell transactions
2
5.00K shares
Net transactions
+12
Buys less sells
Sell : buy shares
0.3 : 1
Mixed
Insider-held shares
1.73M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 10, 26 | FELBER FRANCIS E Director |
BUY | 500 | $10.13K | Direct |
| Aug 10, 26 | BIANCHI STEPHEN M Chief Executive Officer |
BUY | 1.00K | $20.50K | Indirect |
| Jun 2, 26 | BIANCHI STEPHEN M Chief Executive Officer |
CONVERSION | 5.00K | $55.00K | Direct |
| Jun 1, 26 | BROUCEK JAMES S Chief Financial Officer |
CONVERSION | 2.00K | $27.20K | Direct |
| May 18, 26 | MOLL JAMES D Director |
SELL | 2.00K | $41.17K | Direct |
| May 18, 26 | FELBER FRANCIS E Director |
BUY | 500 | $10.30K | Direct |
| May 14, 26 | MOLL JAMES D Director |
SELL | 3.00K | $63.01K | Direct |
| May 8, 26 | SKARVAN KATHLEEN S Director |
BUY | 750 | $15.87K | Indirect |
| May 5, 26 | OLSON TIMOTHY L. Director |
BUY | 1.00K | $20.95K | Direct |
| May 4, 26 | FELBER FRANCIS E Director |
BUY | 1.00K | $20.60K | Direct |
| Apr 30, 26 | CONNER MICHAEL R Director |
BUY | 1.10K | $23.04K | Direct |
| Apr 20, 26 | BIANCHI STEPHEN M Chief Executive Officer |
CONVERSION | 5.00K | $55.00K | Direct |
| Jan 23, 26 | JOHNSON REBECCA M Officer |
CONVERSION | 2.00K | $19.24K | Direct |
| Jan 22, 26 | BROUCEK JAMES S Chief Financial Officer |
STOCK | 1.73K | $32.09K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BIANCHI STEPHEN M |
Chief Executive Officer | — | Purchase |
BROUCEK JAMES S |
Chief Financial Officer | 67.41K | Conversion of Exercise of derivative security |
CONNER MICHAEL R |
Director | 15.99K | Purchase |
FELBER FRANCIS E |
Director | 38.48K | Purchase |
JOHNSON REBECCA M |
Officer | 19.80K | Conversion of Exercise of derivative security |
MOLL JAMES D |
Director | 44.09K | Sale |
OLSON TIMOTHY L. |
Director | 26.68K | Purchase |
SKARVAN KATHLEEN S |
Director | — | Purchase |
Moving averages & technicals
SMA 10
20.87
+0.95% from price
SMA 20
21.27
-0.94% from price
SMA 50
22.15
-4.89% from price
SMA 100
21.40
-1.52% from price
SMA 200
19.69
+7.03% from price
EMA 12
21.12
-0.26% from price
EMA 26
21.50
-2.01% from price
EMA 50
21.63
-2.59% from price
RSI (14)
43.5
Neutral
MACD (12,26,9)
-0.38
Hist 0.00
ATR (14)
0.69
3.28% of price
Realised vol 30D
34.5%
Annualised
Bollinger upper
22.26
20, 2σ
Bollinger lower
20.28
20, 2σ
50 / 200 cross
Golden
22.15 vs 19.69
Trend bias
Above 200
+7.03%
Risk profile
Beta vs SPY
0.25
Less volatile than market
Correlation to SPY
0.13
Largely independent
Realised vol 30D
34.5%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-14.9%
Peak to trough
Max drawdown 5Y
-52.6%
Peak to trough
ATR 14
0.69
3.28% of price
Beta (reported)
0.51
5Y monthly, from filing
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Headlines
Citizens Community Bancorp, Inc. (CZWI) Could Be a Great Choice
Zacks · 12d ago
5 Dividend Stocks Paying Out This Month – But There’s a Catch
24/7 Wall St. · 17d ago
Citizens Community Bancorp (CZWI) Reports Q2 Earnings: What Key Metrics Have to Say
Zacks · 26d ago
Citizens Community Bancorp, Inc. (CZWI) Lags Q2 Earnings and Revenue Estimates
Zacks · 26d ago
Citizens Community Bancorp, Inc. Reports Second Quarter 2026 Earnings of $0.11 Per Share; Board Approves Quarterly Dividend at $0.105 per Share
GlobeNewswire · 26d ago
Banner (BANR) Lags Q2 Earnings and Revenue Estimates
Zacks · 31d ago
Citizens Community Bancorp, Inc. (CZWI) to Report Q2 Results: Wall Street Expects Earnings Growth
Zacks · 33d ago
Citizens Community Bancorp (CZWI) is on the Move, Here's Why the Trend Could be Sustainable
Zacks · 51d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
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