CZWI
Citizens Community Bancorp, Inc.Financial Services·Banks - Regional
$20.40
$197M market cap
Revenue
$40.2M
Free Cash Flow
$7.2M
Rev Growth
+0.0%
FCF Margin
17.8%
P/FCF
27.5x
EV/FCF
14.0x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal N.A. that provides various traditional community banking services to businesses, agricultural operators, and consumers. The company accepts various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit. It also offers various loan products comprising commercial real estate, commercial and industrial, agricultural real estate, agricultural operat
2-Year Price History
$20.41+81.3%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 24.5 | 4.6 | 4.6 | 3.8 | 4.0 | 3.4 | -0.6 | 149.2 | 52.6 | 9.6 | 13.0% | 0.5x | -- |
| Act | 2025-Q4 | 15.8 | -6.1 | -6.2 | 4.3 | 3.9 | 3.8 | -0.1 | 187.6 | 51.8 | 9.7 | -22.1% | -0.5x | -- |
Valuation & Metrics
Market Stats
Price$20.40
Market Cap$197M
Enterprise Value$100M
P/S Ratio4.9x
P/FCF27.5x
EV/FCF14.0x
FCF Margin (TTM)17.8%
FCF Yield3.6%
Dividend Yield (TTM)1.0%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$40.2M
Net Income$8.0M
Free Cash Flow$7.2M
Revenue Growth (YoY)+0.0%
EBITDA Margin-3.7%
Net Margin20.0%
FCF Margin17.8%
CapEx % of Revenue1.7%
SBC % of Revenue0.0%
ROIC-4.6%
WC Change % Rev0.7%
Interest Coverage-0.1x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.1M
Days to Cover5.5
Change (vs Prior)-12.0%
Need at least 2 settlement dates for chart
Employees
Headcount207
Revenue / Employee$194,271
Gross Profit / Employee$94,821
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
40.0%(+8.8% YoY)
74 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
18.5%(+10.6% YoY)
9 filers
Vanguard, iShares, SPDR
Market makers
0.0%(-1.1% YoY)
1 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| WELLINGTON MANAGEMENT GROUP LLP | $11.8M | $17.04 | −$1.9M | +$9.5M | -0.3% | $533.98B |
| BlackRock, Inc.Passive | $10.1M | $14.63 | +$771K | +$8.0M | -0.2% | $5.69T |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $9.6M | $12.72 | −$124K | −$462K | -0.2% | $113.45B |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $9.1M | $19.71 | +$9.1M | +$9.1M | — | $4.04T |
| DIMENSIONAL FUND ADVISORS LPPassive | $6.9M | $14.13 | +$207K | +$824K | -0.4% | $480.92B |
| ACADIAN ASSET MANAGEMENT LLC | $5.0M | $17.10 | +$2.0M | +$3.1M | -0.5% | $70.48B |
| GENDELL JEFFREY L | $4.9M | $10.99 | +$0 | −$52K | +8.4% | $7.34B |
| Boston Partners | $4.6M | $19.71 | +$4.6M | +$4.6M | +0.5% | $95.40B |
| BANC FUNDS CO LLC | $4.1M | $9.99 | −$793K | −$5.2M | -1.3% | $537M |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $4.0M | $12.90 | −$157K | +$2.1M | +2.3% | $1.61T |
| Rhino Investment Partners, Inc | $3.2M | $19.71 | +$3.2M | +$3.2M | -0.4% | $359M |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $3.2M | $12.77 | +$79K | −$334K | -2.3% | $4.93B |
| Daytona Street Capital LLC | $3.0M | $17.63 | −$8K | +$3.0M | -1.8% | $124M |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $2.9M | $15.21 | +$526K | +$946K | +0.1% | $184.72B |
| UBS Group AG | $2.6M | $16.66 | −$712K | +$2.6M | -0.3% | $562.11B |
| ALLIANCEBERNSTEIN L.P. | $2.6M | $9.93 | −$7.8M | −$14.8M | -0.3% | $307.70B |
| STATE STREET CORPPassive | $2.5M | $15.04 | +$441K | +$1.8M | -0.2% | $2.89T |
| RFG - Bristol Wealth Advisors, LLC | $2.1M | $16.21 | +$212K | +$261K | +0.7% | $363M |
| Pinnacle Holdings, LLC | $1.8M | $9.99 | +$0 | +$0 | -0.2% | $288M |
| NORTHERN TRUST CORPPassive | $1.7M | $13.80 | +$101K | +$922K | -0.2% | $755.34B |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)NEUTRAL
Holders
+0.23%
avg per quarter
Holders (ex-self)
+0.21%
excl. this stock
Buyers (this Q)
-0.07%
45 buyers · $0.03B in
Sellers (this Q)
-0.28%
24 sellers · $0.01B out
alpha coverage: 90% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
-1.0%
how holders react when this stock falls
On quiet Qs
-1.5%
−10% to +10% baseline
On rallies (+10%+)
-5.3%
how they react when this stock rises
Holders' portfolio flow this Q
+3.7%
inflows — adds are organic
Sellers' portfolio flow this Q
+4.0%
Sellers grew AUM elsewhere — opinionated cut of this stock.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-4.1%
Holder mid (any stock)
-3.6%
Holder rally (any stock)
-4.3%
Biggest decreases this quarter
ALLIANCEBERNSTEIN L.P.−$7.8Mα-0.3Fourthstone LLCexited−$3.0MWELLINGTON MANAGEMENT GROUP LLP−$1.9Mα-0.3ROYCE & ASSOCIATES LPexited−$868KBANC FUNDS CO LLC−$793Kα-1.3UBS Group AG−$712Kα-0.3CITADEL ADVISORS LLCexited−$617KMILLENNIUM MANAGEMENT LLCexited−$527KJANE STREET GROUP, LLCexited−$276KNational Philanthropic Trustexited−$271K
New buyers this quarter
Top-5 holders · 41.1%
WELLINGTON MANAGEMENT GROUP LLP--
BlackRock, Inc.--
MANUFACTURERS LIFE INSURANCE COMPANY, THE--
VANGUARD CAPITAL MANAGEMENT LLC--
DIMENSIONAL FUND ADVISORS LP--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
ALLIANCEBERNSTEIN L.P.148KFJ Capital Management LLC—BANC FUNDS CO LLC206KWELLINGTON MANAGEMENT GROUP LLP594KMANUFACTURERS LIFE INSURANCE COMPANY, THE484KFourthstone LLC—Petiole USA ltd—ACADIAN ASSET MANAGEMENT LLC255KGENDELL JEFFREY L248KBoston Partners235K
Analyst Coverage
Analyst Coverage
Analyst Ratings
2
Buy: 2Consensus: Buy
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$196K
9 txns · 4 insiders · 11,421 sh
Sells ($, 12mo)
$104K
2 txns · 1 insider · 5,000 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2026-05-18 | BUY | FELBER FRANCIS E | director | 500 | $20.60 | $10K | $442K |
| 2026-05-18 | SELL | MOLL JAMES D | director | 2,000 | $20.58 | $41K | $689K |
| 2026-05-14 | SELL | MOLL JAMES D | director | 3,000 | $21.00 | $63K | $745K |
| 2026-05-08 | BUY | SKARVAN KATHLEEN | director | 750 | $21.16 | $16K | $43K |
| 2026-05-05 | BUY | Olson Timothy L | director | 1,000 | $20.95 | $21K | $559K |
| 2026-05-04 | BUY | FELBER FRANCIS E | director | 1,000 | $20.60 | $21K | $432K |
| 2026-04-30 | BUY | Conner Michael R | director | 1,100 | $20.95 | $23K | $335K |
| 2025-08-06 | BUY | Conner Michael R | director | 1,600 | $15.03 | $24K | $224K |
| 2025-08-04 | BUY | Olson Timothy L | director | 1,471 | $14.99 | $22K | $385K |
| 2025-07-31 | BUY | FELBER FRANCIS E | director | 3,000 | $14.80 | $44K | $295K |
| 2025-07-31 | BUY | SKARVAN KATHLEEN | director | 1,000 | $14.74 | $15K | $19K |
Order Flow (FINRA, ~3w lag)
10.6%retail+2.2pp
19.1%dark+6.1pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
CITIZENS COMMUNITY BANCORP, INC.: Administrative Placeholder Analysis
Overall Risk
2/10
Fraud
1/10
Dilution
1/10
Insolvency
1/10
Earnings Overstated
1/10
Hidden Liabilities
1/10
Legal
1/10
Audit Warnings
1/10
Hidden Upside
1/10
Contextually Acceptable
10/10