CZWI
Citizens Community Bancorp, Inc.
NasdaqGMUSDEQUITY
Financial Services
DELAYED
Buy
+26/100
Last price
21.46
▲ 0.15 (0.70%)
MARKET · —
Price
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Tool
1D
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Range —
Vol —
vs
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Open
—
Prev close
21.31
Day high
21.58
Day low
21.16
Volume
17.83K
Market cap
$207.09M
P/E (TTM)
16.38
52W range
14.61 – 24.43
Trailing performance
Returnvs SPY
1W
+0.99%
-1.0%
1M
-2.76%
-3.9%
3M
-4.62%
-9.1%
6M
+4.79%
-13.4%
YTD
+20.43%
+6.2%
1Y
+35.14%
+18.7%
3Y
+123.54%
+41.3%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
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.
Free account
5 more panels on CZWI open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
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
1.53M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 10, 26 | BIANCHI STEPHEN M Chief Executive Officer |
BUY | 1.00K | $20.50K | Indirect |
| Aug 10, 26 | FELBER FRANCIS E Director |
BUY | 500 | $10.13K | Direct |
| 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 | FELBER FRANCIS E Director |
BUY | 500 | $10.30K | Direct |
| May 18, 26 | MOLL JAMES D Director |
SELL | 2.00K | $41.17K | 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 |
Fundamentals
Market cap$207.09M
Enterprise value$137.85M
Revenue (TTM)$58.29M
Gross profit$58.29M
EBITDA—
Net income$12.81M
EPS (TTM)$1.31
Free cash flow—
Total cash$121.76M
Total debt$52.52M
Book value / share$19.83
Shares outstanding9.65M
Float7.87M
Short % of float2.29%
Dividend yield1.47%
Beta (5Y)0.51
Valuation & profitability ratios
Trailing P/E16.38
Forward P/E9.89
PEG ratio—
Price / sales—
Price / book1.08
EV / revenue2.37
EV / EBITDA—
Gross margin0.00%
Operating margin14.52%
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 | YoY |
|---|---|---|---|---|---|
| Total revenue | $62.29M | $56.29M | $58.54M | $67.19M | +10.7% |
| Operating revenue | $62.29M | $56.29M | $58.54M | $67.19M | +10.7% |
| Selling, general & admin | $25.55M | $24.33M | $22.65M | $23.61M | +5.0% |
| Pre-tax income | $17.44M | $17.45M | $18.93M | $23.58M | -0.1% |
| Tax provision | $3.02M | $3.70M | $5.87M | $5.82M | -18.3% |
| Net income | $14.42M | $13.75M | $13.06M | $17.76M | +4.9% |
| Net income to common | $14.42M | $13.75M | $13.06M | $17.76M | +4.9% |
| Basic EPS | 1.46 | 1.34 | 1.25 | 1.69 | +9.0% |
| Diluted EPS | 1.46 | 1.34 | 1.25 | 1.69 | +9.0% |
| Basic shares | 9.88M | 10.26M | 10.45M | 10.51M | -3.8% |
| Diluted shares | 9.88M | 10.26M | 10.47M | 10.51M | -3.8% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $118.85M | $50.17M | $37.14M | $35.61M | +136.9% |
| Accounts receivable | $6.13M | $5.65M | $5.41M | $5.29M | +8.4% |
| Property, plant & equipment | $16.36M | $17.07M | $18.37M | $20.49M | -4.2% |
| Goodwill & intangibles | $35.39M | $36.14M | $37.06M | $38.21M | -2.1% |
| Total assets | $1.78B | $1.75B | $1.85B | $1.82B | +1.9% |
| Current debt | $0 | $5.00M | $79.53M | $142.53M | -100.0% |
| Long-term debt | $51.80M | $61.61M | $67.47M | $72.41M | -15.9% |
| Total debt | $51.80M | $66.61M | $147.00M | $214.94M | -22.2% |
| Total liabilities | $1.59B | $1.57B | $1.68B | $1.65B | +1.6% |
| Retained earnings | $90.00M | $80.84M | $71.12M | $65.40M | +11.3% |
| Shareholder equity | $187.94M | $179.08M | $173.33M | $167.09M | +4.9% |
| Net tangible assets | $152.55M | $142.94M | $136.28M | $128.88M | +6.7% |
| Shares issued | 9.62M | 9.98M | 10.44M | 10.43M | -3.7% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Net income | $14.42M | $13.75M | $13.06M | $17.76M | — | +4.9% |
| Depreciation & amortisation | $3.23M | $3.42M | $3.74M | $4.03M | — | -5.5% |
| Stock-based compensation | — | — | $0 | $3.00K | $8.00K | — |
| Change in working capital | -$2.05M | $936.00K | $848.00K | -$1.54M | — | -319.4% |
| Operating cash flow | $11.69M | $20.40M | $13.12M | $29.29M | — | -42.7% |
| Capital expenditure | -$1.31M | -$889.00K | -$1.37M | -$3.60M | — | -47.5% |
| Investing cash flow | $45.71M | $113.74M | -$34.20M | -$119.19M | — | -59.8% |
| Share buybacks | -$6.25M | -$6.22M | -$550.00K | -$1.91M | — | -0.5% |
| Dividends paid | -$3.60M | -$3.35M | -$3.04M | -$2.74M | — | -7.5% |
| Financing cash flow | $11.28M | -$121.11M | $22.86M | $77.57M | — | +109.3% |
| Free cash flow | $10.38M | $19.51M | $11.76M | $25.69M | — | -46.8% |
| End cash position | $118.85M | $50.17M | $37.14M | $35.36M | — | +136.9% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $16.12M | $16.11M | $15.72M | $16.24M | $16.15M | +0.1% |
| Operating revenue | $16.12M | $16.11M | $15.72M | $16.24M | $16.15M | +0.1% |
| Selling, general & admin | $6.12M | $6.52M | $6.46M | $6.74M | $6.39M | -6.2% |
| Pre-tax income | $1.24M | $4.63M | $4.88M | $4.54M | $4.05M | -73.3% |
| Tax provision | $135.00K | $877.00K | $614.00K | $853.00K | $777.00K | -84.6% |
| Net income | $1.10M | $3.75M | $4.27M | $3.68M | $3.27M | -70.7% |
| Net income to common | $1.10M | $3.75M | $4.27M | $3.68M | $3.27M | -70.7% |
| Basic EPS | 0.11 | 0.39 | 0.44 | 0.37 | 0.33 | -71.8% |
| Diluted EPS | 0.11 | 0.39 | 0.44 | 0.37 | 0.33 | -71.8% |
| Basic shares | 10.02M | 9.63M | 9.71M | 9.95M | 9.91M | +4.1% |
| Diluted shares | 10.02M | 9.63M | 9.71M | 9.95M | 10.00M | +4.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $121.76M | $149.20M | $118.85M | $82.43M | $67.45M | -18.4% |
| Accounts receivable | $6.18M | $5.83M | $6.13M | $6.16M | $6.12M | +6.1% |
| Property, plant & equipment | $17.44M | $16.45M | $16.36M | $16.24M | $16.36M | +6.0% |
| Goodwill & intangibles | $35.12M | $35.26M | $35.39M | $35.54M | $35.67M | -0.4% |
| Total assets | $1.81B | $1.82B | $1.78B | $1.73B | $1.74B | -0.5% |
| Current debt | $0 | $0 | $0 | $0 | $0 | — |
| Long-term debt | $51.88M | $51.84M | $51.80M | $46.76M | $61.72M | +0.1% |
| Total debt | $51.88M | $51.84M | $51.80M | $46.76M | $61.72M | +0.1% |
| Total liabilities | $1.62B | $1.63B | $1.59B | $1.54B | $1.55B | -0.6% |
| Retained earnings | $92.82M | $92.74M | $90.00M | $86.91M | $83.71M | +0.1% |
| Shareholder equity | $191.35M | $190.87M | $187.94M | $186.81M | $183.46M | +0.2% |
| Net tangible assets | $156.23M | $155.61M | $152.55M | $151.28M | $147.79M | +0.4% |
| Shares issued | 9.65M | 9.63M | 9.62M | 9.86M | 9.99M | +0.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Net income | $1.10M | $3.75M | $4.27M | $3.68M | $3.27M | — | -70.7% |
| Depreciation & amortisation | $773.00K | $748.00K | $765.00K | $779.00K | $845.00K | — | +3.3% |
| Stock-based compensation | $8.00K | $4.00K | — | $33.00K | $34.00K | $68.00K | +100.0% |
| Change in working capital | $3.19M | -$5.40M | -$780.00K | $1.42M | -$2.64M | — | +159.0% |
| Operating cash flow | $7.91M | $3.98M | $3.85M | $6.63M | -$406.00K | — | +99.0% |
| Capital expenditure | -$1.48M | -$570.00K | -$593.00K | -$392.00K | -$226.00K | — | -158.8% |
| Investing cash flow | -$23.30M | -$14.10M | -$12.05M | $23.23M | $12.87M | — | -65.3% |
| Share buybacks | -$18.00K | -$89.00K | -$4.04M | -$2.02M | -$7.00K | — | +79.8% |
| Dividends paid | -$1.01M | -$1.01M | $0 | $0 | $0 | — | -0.2% |
| Financing cash flow | -$12.06M | $40.47M | $44.62M | -$14.88M | -$45.21M | — | -129.8% |
| Free cash flow | $6.44M | $3.41M | $3.26M | $6.24M | -$632.00K | — | +89.0% |
| End cash position | $121.76M | $149.20M | $118.85M | $82.43M | $67.45M | — | -18.4% |
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.
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 upside3.68%
Analyst count2
ConsensusNONE
Strong buy / Buy0 / 0
Hold2
Sell / Strong sell0 / 0
Held by insiders15.81%
Held by institutions60.25%
Institutions holding139
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
21.25
+0.97% from price
SMA 20
21.50
-0.18% from price
SMA 50
21.35
+0.53% from price
SMA 100
21.62
-0.72% from price
SMA 200
20.34
+5.50% from price
EMA 12
21.34
+0.54% from price
EMA 26
21.40
+0.26% from price
EMA 50
21.47
-0.05% from price
RSI (14)
51.2
Neutral
MACD (12,26,9)
-0.06
Hist -0.01
ATR (14)
0.48
2.22% of price
Realised vol 30D
18.0%
Annualised
Bollinger upper
22.10
20, 2σ
Bollinger lower
20.89
20, 2σ
50 / 200 cross
Golden
21.35 vs 20.34
Trend bias
Above 200
+5.50%
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.
Risk profile
Beta vs SPY
0.23
Less volatile than market
Correlation to SPY
0.12
Largely independent
Realised vol 30D
18.0%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-14.9%
Peak to trough
Max drawdown 5Y
-52.6%
Peak to trough
ATR 14
0.48
2.22% of price
Beta (reported)
0.51
5Y monthly, from filing
Short interest
Shares short
211.95K
Prior 175.28K
Change vs prior
+20.9%
Shorts adding
% of float
2.29%
Normal
% of shares out
2.20%
Against total outstanding
Days to cover
4.2
Liquid
Float
7.87M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Jul 10, 26 | Hovde Group | DOWNGRADE | Outperform | Market Perform |
| Nov 28, 17 | Piper Sandler | INITIATED | — | Buy |
Dividends & splits
Forward rate$0.32 / yr
Forward yield1.47%
5-year avg yield1.82%
Payout ratio16.03%
Ex-dividend dateAug 7, 2026
Next pay dateAug 21, 2026
Last split—
Split date—
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-09-02
Periodic Financial Reports
10-Q · 2026-08-06
Corporate Changes & Voting Matters
8-K · 2026-07-31
Corporate Changes & Voting Matters
8-K · 2026-07-27
Corporate Changes & Voting Matters
8-K · 2026-06-17
Periodic Financial Reports
10-Q · 2026-05-06
Proxy Statements
DEF 14A · 2026-04-29
Corporate Changes & Voting Matters
8-K · 2026-04-27
Headlines
Citizens Community Bancorp, Inc. (CZWI) Could Be a Great Choice
Zacks · 58d ago
5 Dividend Stocks Paying Out This Month – But There’s a Catch
24/7 Wall St. · 63d ago
Citizens Community Bancorp (CZWI) Reports Q2 Earnings: What Key Metrics Have to Say
Zacks · 72d ago
Citizens Community Bancorp, Inc. (CZWI) Lags Q2 Earnings and Revenue Estimates
Zacks · 72d 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 · 72d ago
Banner (BANR) Lags Q2 Earnings and Revenue Estimates
Zacks · 76d ago
Citizens Community Bancorp, Inc. (CZWI) to Report Q2 Results: Wall Street Expects Earnings Growth
Zacks · 79d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
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