Citizens Community Bancorp Inc. (CZWI)
Operating cash flow minus capital spending left $10.4M of free cash flow in fiscal 2025. At September 30, 2026 it held $95.4M in cash against $51.9M of debt. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 9, 2026.
Key facts about Citizens Community Bancorp Inc.
- Net worth
- Citizens Community Bancorp Inc. has a market value (market cap) of $227.6M at the latest share price, and shareholders' equity of $190.7M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $11.7M of cash; after $1.3M of capital spending, free cash flow was $10.4M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 9, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Citizens Community Bancorp Inc.'s next report is expected around January 25, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- Citizens Community Bancorp Inc. declared dividends of $0.36 per share in fiscal 2025, a yield of 1.53% at the current price.
What Citizens Community Bancorp Inc. does
Citizens Community Bancorp Inc. is registered with the SEC under industry code SIC 6035 (Savings Institution, Federally Chartered). Its shares trade on NASDAQ under the ticker CZWI.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | n/a | $14.4M | $1.46 | $10.4M |
| 2024 | n/a | $13.8M | $1.34 | $19.5M |
| 2023 | n/a | $13.1M | $1.25 | $11.8M |
| 2022 | n/a | $17.8M | $1.69 | $25.7M |
| 2021 | n/a | $21.3M | $1.98 | $17.8M |
| 2020 | n/a | $12.7M | $1.14 | $21.2M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Dividends
Citizens Community Bancorp Inc. declared $0.36 per share in fiscal 2025. At the current price that is a yield of 1.53%. It paid out $3.6M in cash dividends, 25% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $0.36 | $3.6M | 25% |
| 2024 | $0.32 | $3.3M | 24% |
| 2023 | $0.29 | $3M | 23% |
| 2022 | $0.26 | $2.7M | 15% |
| 2021 | $0.23 | $2.5M | 12% |
| 2020 | $0.21 | $2.4M | 19% |
Latest SEC filings
What Citizens Community Bancorp Inc. has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 9, 2026
- October 30, 2026
- October 30, 2026Form S-8 POS filing S-8 POS
- October 28, 2026Other event 8-K
- October 26, 2026
- September 2, 2026Other event 8-K
- August 14, 2026Passive stake changed SCHEDULE 13G/A
- August 13, 2026Passive stake changed SCHEDULE 13G/A
- August 6, 2026
- July 31, 2026Passive stake changed SCHEDULE 13G/A
Insider trades
What the people running Citizens Community Bancorp Inc. did with its shares, from the Form 4 filings they must send the SEC within two business days.
No insider trades were reported in the last 90 days.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| August 10, 2026 | Bianchi Stephen MCEO and President, Director | Boughtindirect | 1,000 | $20.5K |
| August 10, 2026 | Felber Francis EDirector | Bought | 500 | $10.1K |
| June 2, 2026 | Bianchi Stephen MCEO and President, Director | Exercised options | 5,000 | $55K |
| June 1, 2026 | Broucek James SEVP/CFO/Treasurer/Secretary | Exercised options | 2,000 | $27.2K |
| May 18, 2026 | Moll James DDirector | Sold | 1,000 | $20.5K |
| May 18, 2026 | Moll James DDirector | Sold | 500 | $10.4K |
| May 18, 2026 | Moll James DDirector | Sold | 500 | $10.3K |
| May 18, 2026 | Felber Francis EDirector | Bought | 500 | $10.3K |
Who owns CZWI
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Gale Hoese13D, may seek influence with 8 related filers | 9.1% | July 29, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 94 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| BlackRock, Inc. | 632,627 | +124,727 |
| Manufacturers Life Insurance Company, The | 480,842 | -3,346 |
| Vanguard Capital Management LLC | 413,376 | -47,845 |
| Dimensional Fund Advisors LP | 376,262 | +29,521 |
| Boston Partners | 281,634 | +47,022 |
| Gendell Jeffrey L | 248,319 | 0 |
| Geode Capital Management, LLC | 230,737 | +26,474 |
| Banc Funds Co LLC | 195,055 | -11,000 |
| Two Sigma Investments, LP | 159,050 | +84,639 |
| Bridgeway Capital Management, LLC | 158,017 | -2,295 |
| Arrowstreet Capital, Limited Partnership | 147,560 | 0 |
| Rhino Investment Partners, Inc | 144,034 | -18,278 |
| State Street Corp | 134,310 | +9,819 |
| Mackenzie Financial Corp | 112,055 | new |
| Daytona Street Capital LLC | 109,911 | -41,333 |
| Renaissance Technologies LLC | 107,200 | +53,800 |
| RFG - Bristol Wealth Advisors, LLC | 104,290 | +608 |
| Alliancebernstein L.P. | 110,737 | -36,821 |
| Pinnacle Holdings, LLC | 91,262 | -85 |
| Northern Trust Corp | 74,164 | -9,888 |
Insiders
8 insiders reported holding 282,112 shares in total, about $6.7M at the last price.
| Holder | Shares |
|---|---|
| Bianchi Stephen MCEO and President, Director | 147,08454,480 held indirectly |
| Moll James DDirector | 33,463 |
| Olson Timothy LDirector | 26,684 |
| Felber Francis EDirector | 25,795 |
| Broucek James SEVP/CFO/Treasurer/Secretary | 24,096 |
| Conner Michael RDirector | 15,986 |
| Johnson RebeccaVice President/Controller | 6,954 |
| Skarvan KathleenDirector | 2,0502,050 held indirectly |
Questions about CZWI
What does Citizens Community Bancorp Inc. do?
Citizens Community Bancorp Inc. is a company in the Finance sector, listed on NASDAQ as CZWI. Its shares trade on NASDAQ under the ticker CZWI.
What is Citizens Community Bancorp Inc.'s net worth?
Citizens Community Bancorp Inc. has a market value (market cap) of $227.6M at the latest share price, and shareholders' equity of $190.7M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Citizens Community Bancorp Inc. profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $14.5M.
When did Citizens Community Bancorp Inc. last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 9, 2026. It covers the period to September 30, 2026.
When is Citizens Community Bancorp Inc.'s next earnings report?
Citizens Community Bancorp Inc.'s next report is expected around January 25, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does Citizens Community Bancorp Inc. pay a dividend?
Yes. Citizens Community Bancorp Inc. declared dividends of $0.36 per share in fiscal 2025, a yield of 1.53% at the current price.
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Where the numbers come from
Financial figures are the values Citizens Community Bancorp Inc. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.