Citizens Community Bancorp Inc. (CZWI)
Nasdaq · Savings Institution, Federally Chartered · Finance, insurance and real estate · CIK 1367859 · fiscal year ends in Dec
Closing price $23.44 on 30 Oct 2026; 52-week range $15.65 to $23.95.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $64.2M
- Revenue growth
- 10.2%
- Net income, last twelve months
- $12.8M
- Earnings per share
- $1.31
- Net margin
- 19.9%
- Free cash flow
- $19.3M
- Return on equity
- 6.7%
- Market value
- $226.2M
- Price to earnings
- 17.9x
- Dividend yield
- 1.5%
- Cash
- $121.8M
- Debt
- $51.9M
- Debt to equity
- 0.27
- Shares outstanding
- 9.7M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $62.3M | – | $14.4M | $1.46 | $10.4M | 10-K filed 5 Mar 2026 |
| FY2024 | 31 Dec 2024 | $56.6M | – | $13.8M | $1.34 | $19.5M | 10-K filed 13 Mar 2025 |
| FY2023 | 31 Dec 2023 | $58.6M | – | $13.1M | $1.25 | $11.8M | 10-K filed 5 Mar 2024 |
| FY2022 | 31 Dec 2022 | $66.8M | – | $17.8M | $1.69 | $25.7M | 10-K filed 7 Mar 2023 |
| FY2021 | 31 Dec 2021 | $69.5M | – | $21.3M | $1.98 | $17.8M | 10-K filed 2 Mar 2022 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $16.1M | $1.1M | $0.11 |
| Q1 FY2026 | 31 Mar 2026 | $16.1M | $3.8M | $0.39 |
| Q4 FY2025 | 31 Dec 2025 | $15.8M | $4.3M | $0.44 |
| Q3 FY2025 | 30 Sep 2025 | $16.2M | $3.7M | $0.37 |
| Q2 FY2025 | 30 Jun 2025 | $16.1M | $3.3M | $0.33 |
| Q1 FY2025 | 31 Mar 2025 | $14.2M | $3.2M | $0.32 |
| Q4 FY2024 | 31 Dec 2024 | $13.7M | $2.7M | $0.27 |
| Q3 FY2024 | 30 Sep 2024 | $14.2M | $3.3M | $0.32 |
Company events
The newest 8-K filings of 251 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 28 Oct 2026 | 8-K | Other events | 8.01 |
| 26 Oct 2026 | 8-K | Results, Investor update, Other events | 2.02, 7.01, 8.01, 9.01 |
| 2 Sep 2026 | 8-K | Other events | 8.01 |
| 31 Jul 2026 | 8-K | Other events | 8.01 |
| 27 Jul 2026 | 8-K | Results, Other events | 2.02, 8.01, 9.01 |
| 17 Jun 2026 | 8-K | Shareholder vote | 5.07 |
| 27 Apr 2026 | 8-K | Results, Other events | 2.02, 8.01, 9.01 |
| 16 Apr 2026 | 8-K | Leadership change | 5.02 |
| 27 Jan 2026 | 8-K | Investor update | 7.01, 9.01 |
| 26 Jan 2026 | 8-K | Results, Other events | 2.02, 8.01, 9.01 |
| 29 Oct 2025 | 8-K | Investor update | 7.01, 9.01 |
| 27 Oct 2025 | 8-K | Results | 2.02, 9.01 |
Every filing
The newest filings with the SEC of 426 held.
| Filed | Form | Period |
|---|---|---|
| 30 Oct 2026 | S-8 | – |
| 30 Oct 2026 | S-8 POS | – |
| 28 Oct 2026 | 8-K | 28 Oct 2026 |
| 26 Oct 2026 | 8-K | 26 Oct 2026 |
| 2 Sep 2026 | 8-K | 2 Sep 2026 |
| 6 Aug 2026 | 10-Q | 30 Jun 2026 |
| 31 Jul 2026 | 8-K | 29 Jul 2026 |
| 27 Jul 2026 | 8-K | 27 Jul 2026 |
| 17 Jun 2026 | 8-K | 16 Jun 2026 |
| 6 May 2026 | 10-Q | 31 Mar 2026 |
| 29 Apr 2026 | ARS | 31 Dec 2025 |
| 29 Apr 2026 | DEF 14A | 31 Dec 2025 |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 10 Aug 2026 | Felber Francis E, Director | Purchase | 500 | $20.25 | $10.1K | 25,795 | 10 Aug 2026 |
| 10 Aug 2026 | Bianchi Stephen M, CEO and President | Purchase | 1,000 | $20.50 | $20.5K | 54,480 | 10 Aug 2026 |
| 18 May 2026 | Moll James D, Director | Sale outside a trading plan | 1,000 | $20.50 | $20.5K | 34,463 | 18 May 2026 |
| 18 May 2026 | Moll James D, Director | Sale outside a trading plan | 500 | $20.75 | $10.4K | 33,963 | 18 May 2026 |
| 18 May 2026 | Moll James D, Director | Sale outside a trading plan | 500 | $20.59 | $10.3K | 33,463 | 18 May 2026 |
| 18 May 2026 | Felber Francis E, Director | Purchase | 500 | $20.60 | $10.3K | 21,450 | 18 May 2026 |
| 14 May 2026 | Moll James D, Director | Sale outside a trading plan | 1,900 | $20.96 | $39.8K | 36,563 | 15 May 2026 |
| 14 May 2026 | Moll James D, Director | Sale outside a trading plan | 876 | $21.08 | $18.5K | 35,687 | 15 May 2026 |
| 14 May 2026 | Moll James D, Director | Sale outside a trading plan | 124 | $21.11 | $2.6K | 35,563 | 15 May 2026 |
| 14 May 2026 | Moll James D, Director | Sale outside a trading plan | 100 | $20.98 | $2.1K | 35,463 | 15 May 2026 |
| 8 May 2026 | Skarvan Kathleen, Director | Purchase | 450 | $21.13 | $9.5K | 1,750 | 11 May 2026 |
| 8 May 2026 | Skarvan Kathleen, Director | Purchase | 300 | $21.20 | $6.4K | 2,050 | 11 May 2026 |
Planned insider sales
Form 144 notices, filed when the sell order goes to the broker.
| Filed | Seller | Shares | Value | Planned sale |
|---|---|---|---|---|
| 14 May 2026 | MOLL JAMES D, Director | 5,000 | $105.7K | 14 May 2026 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 14 Aug 2026 | Manulife Financial Corporation | 13G amended | 4.96% | 478.5K |
| 13 Aug 2026 | Wellington Management Group LLP | 13G amended | 0% | 0 |
| 31 Jul 2026 | Vanguard Capital Management | 13G amended | 4.94% | 477.4K |
| 29 Jul 2026 | Gale Hoese | 13D amended | 9.1% | 878.5K |
| 27 Jul 2026 | BlackRock, Inc. | 13G | 6.4% | 615.0K |
| 8 Jul 2026 | Gale Hoese | 13D amended | 9.1% | 878.5K |
| 29 Jun 2026 | Gale Hoese | 13D amended | 7.5% | 721.0K |
| 4 Jun 2026 | Gale Hoese | 13D | 6.3% | 612.0K |
| 18 May 2026 | AllianceBernstein L.P. | 13G amended | 1.5% | 147.6K |
| 15 May 2026 | Manulife Financial Corporation | 13G | 5.43% | 3.3M |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 126.4K | -11.8% | 4.81 |
| 30 Sep 2026 | 143.3K | -32.39% | 2.79 |
| 15 Sep 2026 | 212.0K | -2.27% | 3.42 |
| 31 Aug 2026 | 216.9K | +23.73% | 5.59 |
| 14 Aug 2026 | 175.3K | +31.72% | 4.24 |
| 31 Jul 2026 | 133.1K | -12.65% | 2.58 |
| 15 Jul 2026 | 152.3K | +8.63% | 1.79 |
| 30 Jun 2026 | 140.2K | +51.58% | 1 |
Funds that hold it
From each fund's latest Form 13F.
99 funds held it at 30 Jun 2026: 55 added and 22 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| BlackRock, Inc. | 632,627 | $14.8M | +124,727 |
| Manufacturers Life Insurance Company, the | 480,842 | $11.2M | -3,346 |
| Vanguard Capital Management LLC | 413,376 | $9.7M | -47,845 |
| Dimensional Fund Advisors LP | 376,262 | $8.8M | +29,521 |
| Boston Partners | 281,634 | $6.6M | +47,022 |
| Acadian Asset Management LLC | 281,294 | $6.6M | +26,580 |
| Gendell Jeffrey L | 248,319 | $5.8M | 0 |
| Geode Capital Management, LLC | 230,737 | $5.4M | +26,474 |
| Banc Funds Co. LLC | 195,055 | $4.6M | -11,000 |
| Two Sigma Investments, LP | 159,050 | $3.7M | +84,639 |
Peers
Companies in the same industry.
- HSBC Holdings plc (HSBC): revenue $68.3B, market value $293.3B
- Axos Financial, Inc. (AX): revenue $1.6B, market value $5.1B
- Eastern Bankshares, Inc. (EBC): revenue $1.1B, market value $5.1B
- TFS Financial Corp. (TFSL): revenue $343.7M, market value $4.6B
- BankUnited, Inc. (BKU): revenue $1.1B, market value $3.1B
- Provident Financial Services Inc. (PFS): revenue $907.3M, market value $3.0B
- Capitol Federal Financial, Inc. (CFFN): revenue $229.2M, market value $1.1B
- HomeTrust Bancshares, Inc. (HTB): revenue $216.6M, market value $774.2M
- Kearny Financial Corp. (KRNY): revenue $178.1M, market value $589.6M
- Ponce Financial Group, Inc. (PDLB): revenue $120.0M, market value $543.9M