Citizens Community Bancorp Inc.

CZWI

Citizens Community Bancorp Inc.

CZWI

Insider Sentiment (TTM):

Last Purchase:2026-05-18Last Sale:2026-05-18Shares Purchased (TTM):4,350Shares Sold (TTM):5,000

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:5,436,363Shares Outstanding:9,626,000Institutional Ownership Pct.:56.48%

Earnings Market Reaction:

Filing Date:2026-08-06Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Cash And Cash Equivalents At Carrying Value	122	149	119	82	67	100	50	37	37	29	37	33
Other Interest Earning Assets	-	-	-	-	-	-	-	-	-	0	0	0
Available For Sale Securities Debt Securities	-	-	-	-	-	-	-	-	-	-	-	153
Held To Maturity Securities	-	-	-	-	-	-	-	-	-	-	-	92
Debt Securities Available For Sale Excluding Accru…	128	131	134	138	135	140	143	149	146	152	156	-
Debt Securities Held To Maturity Excluding Accrued…	77	79	80	82	83	84	86	87	89	90	91	-
Equity Securities Fv Ni	6	6	6	6	6	5	5	5	5	3	3	2
Other Investments	12	12	13	12	12	12	13	12	14	13	16	15
Assets
Assets	1,814	1,823	1,782	1,727	1,735	1,780	1,749	1,799	1,802	1,819	1,851	1,831
Financing Receivable Excluding Accrued Interest Be…	-	1,358	1,340	1,323	1,346	1,353	1,369	1,425	1,429	1,450	1,461	1,448
Financing Receivable Allowance For Credit Loss Exc…	-	-23	-22	-22	-21	-20	-21	-21	-21	-22	-23	-23
Financing Receivable Excluding Accrued Interest Af…	-	1,335	1,318	1,301	1,324	1,333	1,348	1,404	1,407	1,428	1,438	1,425
Loans Receivable Held For Sale Amount	1	1	5	5	6	3	1	1	0	0	6	3
Property Plant And Equipment Net	17	16	16	16	16	17	17	17	18	18	18	19
Accrued Investment Income Receivable	6	6	6	6	6	6	6	6	6	6	5	6
Intangible Assets Net Excluding Goodwill	0	0	0	1	1	1	1	1	1	2	2	2
Goodwill	31	31	31	31	31	31	31	31	31	31	31	31
Foreclosed Assets	1	1	1	1	1	1	1	2	2	2	2	1
Bank Owned Life Insurance	27	27	27	27	26	26	26	26	26	26	26	25
Other Assets	23	24	22	16	16	16	17	17	16	16	16	19
Liabilities And Stockhold…
Deposits	1,554	1,566	1,524	1,481	1,478	1,524	1,488	1,521	1,520	1,527	1,519	1,473
Liabilities
Liabilities	1,623	1,632	1,594	1,540	1,552	1,600	1,569	1,619	1,626	1,646	1,678	1,666
Other Borrowings	52	52	52	47	62	62	62	62	61	68	67	67
Other Liabilities	17	15	18	13	12	15	15	16	14	12	12	11
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital Common Stock	110	110	110	113	115	114	115	115	118	119	119	120
Stockholders Equity
Retained Earnings Accumulated Deficit	93	93	90	87	84	80	81	78	76	72	71	67
Stockholders Equity	191	191	188	187	183	180	179	180	176	173	173	165
Accumulated Other Comprehensive Income Loss Net Of…	-12	-12	-12	-13	-15	-15	-16	-14	-17	-18	-17	-22
Liabilities And Stockholders Equity	1,814	1,823	1,782	1,727	1,735	1,780	1,749	1,799	1,802	1,819	1,851	1,831
Debt Securities Available For Sale Amortized Cost …	-	-	-	-	-	-	-	-	-	-	-	183
Debt Securities Available For Sale Amortized Cost …	145	148	152	156	156	161	166	169	170	177	180	-
Debt Securities Available For Sale Allowance For C…	0	0	0	0	0	0	0	0	0	0	0	0
Held To Maturity Securities Fair Value	61	63	64	65	65	66	66	71	69	70	73	-
Debt Securities Held To Maturity Allowance For Cre…	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	30	30	30	30	30	30	30	30	30	30	30	30
Common Stock Shares Issued	10	10	10	10	10	10	10	10	10	10	10	10
Shares Outstanding	10	10	10	10	10	10	10	10	10	10	10	10

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-2.56%	12.44%	12.54%	-	-	-	-	-	-	-	-	-
2025	0.20%	-8.11%	-0.20%	10.27%	9.27%	6.20%	6.88%	11.21%	12.76%	8.01%	15.51%	14.85%
2024	1.13%	0.52%	13.73%	9.39%	15.10%	15.27%	15.79%	17.79%	14.29%	-2.98%	8.13%	7.62%
2023	-	-	-	-	-	-	15.25%	22.45%	23.42%	1.76%	-13.23%	-5.36%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.71	-0.66	-0.66	-0.68	-0.68	-0.65	-0.14	0.39	0.92	1.48	1.53	1.67
Per Share Metrics
Diluted EPS TTM	1.33	1.55	1.46	1.30	1.25	1.29	1.34	1.44	1.35	1.29	1.25	1.34
Free Cash Flow Per Share TTM	1.27	1.28	1.05	1.02	0.73	1.21	1.90	2.01	2.09	1.84	1.12	1.51
Dividend Per Share TTM	0.48	0.85	1.09	0.73	0.72	0.36	0.33	0.33	0.32	0.32	0.29	0.29
Margin Metrics
Gross Profit Margin TTM	60.28%	59.74%	58.41%	56.74%	54.38%	52.43%	51.86%	44.20%	45.50%	46.51%	49.22%	62.61%
Operating Profit Margin TTM	17.46%	20.56%	19.90%	18.12%	17.67%	18.44%	19.47%	20.92%	22.06%	22.01%	22.47%	25.22%
Net Profit Margin TTM	14.63%	17.01%	16.46%	14.63%	14.14%	14.61%	15.34%	16.44%	15.69%	15.45%	15.50%	17.24%
Growth Metrics
Net Revenue Growth (1Y)	-0.57%	0.00%	-2.22%	-2.07%	-0.97%	0.90%	6.37%	9.93%	14.37%	18.40%	21.40%	22.13%
Net Income Growth (1Y)	2.85%	16.47%	4.87%	-12.83%	-10.74%	-4.63%	5.30%	4.84%	-10.30%	-19.33%	-26.47%	-26.46%
EPS Growth (1Y)	6.55%	20.86%	8.66%	-10.30%	-7.34%	-0.34%	7.48%	7.63%	-9.37%	-19.08%	-26.22%	-26.18%
Valuation Metrics
P/E TTM	17.52	12.60	12.05	12.20	10.90	11.00	11.69	9.43	8.28	9.05	8.79	6.70
P/B TTM	1.17	0.99	0.92	0.84	0.74	0.79	0.90	0.77	0.66	0.71	0.66	0.57
P/S TTM	2.56	2.14	1.98	1.79	1.54	1.61	1.79	1.55	1.30	1.40	1.36	1.15
Market Cap	224.43M	188.73M	173.71M	156.84M	135.75M	141.45M	160.81M	139.08M	115.48M	122.07M	114.84M	94.15M
Enterprise Value	102.67M	39.52M	54.86M	74.41M	68.29M	41.25M	110.64M	102.45M	78.59M	93.43M	77.70M	61.62M
Calculated Values
Free Cash Flow TTM	12.28M	12.28M	10.38M	10.14M	7.28M	12.09M	19.51M	20.48M	21.70M	19.18M	11.76M	15.80M
Net Debt	-121.76M	-149.20M	-118.85M	-82.43M	-67.45M	-100.20M	-50.17M	-36.63M	-36.89M	-28.64M	-37.14M	-32.53M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-05-18Sale

Owner: Moll, James D

Title: -

Shares: 2,000

Price/Share: $20.61

Value: $41,220.00

Shares Owned: 33,463

Relationship: Director

Ownership: Direct

2026-05-18Purchase

Owner: Felber, Francis E

Title: -

Shares: 500

Price/Share: $20.60

Value: $10,300.00

Shares Owned: 21,450

Relationship: Director

Ownership: Direct

2026-05-14Sale

Owner: Moll, James D

Title: -

Shares: 3,000

Price/Share: $21.03

Value: $63,090.00

Shares Owned: 35,463

Relationship: Director

Ownership: Direct

2026-05-08Purchase

Owner: Skarvan, Kathleen

Title: -

Shares: 750

Price/Share: $21.16

Value: $15,870.00

Shares Owned: 2,050

Relationship: Director

Ownership: Indirect

2026-05-05Purchase

Owner: Olson, Timothy L

Title: -

Shares: 1,000

Price/Share: $20.95

Value: $20,950.00

Shares Owned: 26,684

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-05-18	Moll, James D	Director	-	Direct	Sale	2,000	20.61	$41,220.00	33,463	4
2026-05-18	Felber, Francis E	Director	-	Direct	Purchase	500	20.60	$10,300.00	21,450	4
2026-05-14	Moll, James D	Director	-	Direct	Sale	3,000	21.03	$63,090.00	35,463	4
2026-05-08	Skarvan, Kathleen	Director	-	Indirect	Purchase	750	21.16	$15,870.00	2,050	4
2026-05-05	Olson, Timothy L	Director	-	Direct	Purchase	1,000	20.95	$20,950.00	26,684	4
2026-05-04	Felber, Francis E	Director	-	Direct	Purchase	1,000	20.60	$20,600.00	20,950	4
2026-04-30	Conner, Michael R	Director	-	Direct	Purchase	1,100	20.95	$23,045.00	15,986	4
2025-08-06	Conner, Michael R	Director	-	Direct	Purchase	1,600	15.03	$24,048.00	14,886	4
2025-08-04	Olson, Timothy L	Director	-	Direct	Purchase	1,471	14.99	$22,050.29	25,684	4
2025-07-31	Felber, Francis E	Director	-	Direct	Purchase	3,000	14.80	$44,400.00	19,950	4
2025-07-31	Skarvan, Kathleen	Director	-	Indirect	Purchase	1,000	14.74	$14,740.00	1,300	4
2024-09-04	Bianchi, Stephen M	Director,Officer	CEO and President	Indirect	Purchase	250	13.60	$3,400.00	53,423	4
2024-08-23	Bianchi, Stephen M	Director,Officer	CEO and President	Indirect	Purchase	323	13.42	$4,334.66	53,173	4
2024-08-12	Broucek, James S	Officer	EVP/CFO/Treasurer/Secretary	Indirect	Purchase	400	12.56	$5,024.00	43,136	4
2024-08-07	Broucek, James S	Officer	EVP/CFO/Treasurer/Secretary	Indirect	Purchase	400	12.19	$4,876.00	42,736	4
2024-06-06	Bianchi, Stephen M	Director,Officer	CEO and President	Indirect	Purchase	100	11.15	$1,115.00	52,850	4
2024-05-31	Broucek, James S	Officer	EVP/CFO/Treasurer/Secretary	Indirect	Purchase	12	11.64	$139.68	42,336	4
2024-05-16	Bianchi, Stephen M	Director,Officer	CEO and President	Indirect	Purchase	250	11.50	$2,875.00	52,750	4
2024-05-15	Bianchi, Stephen M	Director,Officer	CEO and President	Direct	Purchase	400	11.60	$4,640.00	69,070	4
2024-05-06	Moll, James D	Director	-	Indirect	Purchase	200	10.88	$2,176.00	10,624	4
2024-05-06	Olson, Timothy L	Director	-	Direct	Purchase	2,000	10.94	$21,880.00	24,213	4
2024-03-08	Bianchi, Stephen M	Director,Officer	CEO and President	Direct	Purchase	100	12.13	$1,213.00	68,670	4
2023-11-30	Bianchi, Stephen M	Director,Officer	CEO and President	Direct	Purchase	300	10.70	$3,210.00	68,353	4
2023-11-30	Bourget, Kristina M	Director	-	Direct	Purchase	170	10.62	$1,805.40	17,056	4
2023-10-31	Bianchi, Stephen M	Director,Officer	CEO and President	Direct	Purchase	400	8.81	$3,524.00	68,053	4
2023-07-28	Bourget, Kristina M	Director	-	Direct	Purchase	306	10.30	$3,151.80	16,886	4
2023-06-12	Skarvan, Kathleen	Director	-	Indirect	Purchase	300	8.80	$2,640.00	300	4
2023-06-09	Bianchi, Stephen M	Director,Officer	CEO and President	Direct	Purchase	350	8.88	$3,108.00	67,653	4
2023-06-07	Broucek, James S	Officer	EVP/CFO/Treasurer/Secretary	Indirect	Purchase	600	8.77	$5,262.00	42,324	4
2023-06-02	Bianchi, Stephen M	Director,Officer	CEO and President	Direct	Purchase	200	8.73	$1,746.00	67,303	4
2023-05-22	Bianchi, Stephen M	Director,Officer	CEO and President	Direct	Purchase	200	8.14	$1,628.00	67,103	4
2023-05-19	Broucek, James S	Officer	EVP/CFO/Treasurer/Secretary	Indirect	Purchase	100	8.10	$810.00	41,724	4
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Institutional Ownership

No data available for chart

2026-03-31

56.48%

Inst. Shares: 5,436,363

Shares Outstanding: 9,626,000

2025-12-31

56.98%

Inst. Shares: 5,640,466

Shares Outstanding: 9,899,000

2025-09-30

57.88%

Inst. Shares: 5,736,902

Shares Outstanding: 9,911,000

2025-06-30

57.73%

Inst. Shares: 5,766,880

Shares Outstanding: 9,989,000

2025-03-31

53.79%

Inst. Shares: 5,373,208

Shares Outstanding: 9,989,000

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	5,436,363	9,626,000	56.48%
2025-12-31	5,640,466	9,899,000	56.98%
2025-09-30	5,736,902	9,911,000	57.88%
2025-06-30	5,766,880	9,989,000	57.73%
2025-03-31	5,373,208	9,989,000	53.79%
2024-12-31	5,411,754	10,257,000	52.76%
2024-09-30	5,248,014	10,198,000	51.46%
2024-06-30	5,348,695	10,370,000	51.58%
2024-03-31	4,663,822	10,439,000	44.68%
2023-12-31	4,609,432	10,469,000	44.03%
2023-09-30	4,689,621	10,470,000	44.79%
2023-06-30	4,652,801	10,478,000	44.41%
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Citizens Community Bancorp Inc. (CZWI) — SEC Financial Statements & Analysis

Citizens Community Bancorp Inc. (CZWI) is a savings institution, federally chartered company, incorporated in MD. Citizens Community Bancorp Inc. trades on Nasdaq as: CZWI. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), Citizens Community Bancorp Inc. reported a -0.57% year-over-year revenue growth, a Gross Profit Margin of 60.28% (TTM), a Price-to-Sales (P/S) ratio of 2.56x (TTM), a Price-to-Book (P/B) ratio of 1.17x (TTM), at a market cap of $224.43M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: -0.57%
Gross Profit Margin TTM: 60.28%
P/S TTM: 2.56x
P/B TTM: 1.17x
Market Cap: $224.43M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Citizens Community Bancorp Inc. in?

Citizens Community Bancorp Inc. (CZWI) operates in the Savings Institution, Federally Chartered industry.

What is CZWI's market cap?

Citizens Community Bancorp Inc. (CZWI) has a market capitalization of $224.43M as of 2026-06-30.

What is CZWI's P/E ratio?

Citizens Community Bancorp Inc. (CZWI)'s trailing twelve month P/E ratio is 17.52x as of 2026-06-30.

What exchange does CZWI trade on?

Citizens Community Bancorp Inc. (CZWI) trades on the Nasdaq.

Where is Citizens Community Bancorp Inc. incorporated?

Citizens Community Bancorp Inc. is incorporated in MD.