CZWI · Citizens Community Bancorp Inc.

Track CZWI — free

$20.90 -0.06 (-0.26%) At close · Aug 20

Market Cap

$202.65M

9.65M

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FQ3-26 quarter ends

~Sep 30, 2026 Est

Latest filing: 10-Q

filed Aug 6, 2026

Equibles Rating

blended score · not investment advice

Overall

Buy

SellHoldBuy

Technical Neutral Momentum Strong Sentiment Very Bullish Fundamentals Excellent Quant / Vol Low

Market backdrop VIX 14.9 · calm Equity put/call 0.52

Technical

price trend

Neutral

50 / 200-day cross No cross

Price vs 200-day avg +6%

above

Price vs 50-day avg −6%

below

RSI (14) 41

neutral

MACD trend Negative

52-week position 65%

mid-range

Volume (OBV) Confirms

volume backs price

Momentum

relative strength

Strong

1-month return −9%

trailing

6-month return +20%

trailing

YTD return +17%

this year

Relative strength +9%

vs S&P · 6-mo

Sentiment

smart money

Very Bullish

Trend (MA cross) No cross

50d $22 › 200d $20 — 50d above 200d

Institutional flow Accumulating

+8% holders QoQ · +15 funds added

Insider flow Accumulating

Net +$30.6K over 90 days · 0% sells

Short interest Falling

1.38% of float · ▼ -12.7% MoM · 2.6 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

93 holders — near 3-yr high, broad support

Squeeze score 51

elevated · 0–100

Fundamentals

Excellent

Revenue growth +44%

Y/Y

EPS growth +9%

Y/Y

Free cash flow $10.4M

Valuation P/E 16

rich

Balance sheet $67.0M

net cash

Quant / Vol

risk profile

Low

Volatility 25%

annualized · 1-yr

Max drawdown −15%

past year

ATR 3.6%

of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Technicals

trend & momentum for long-term holders Neutral

2 · 4 · 1

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

+6% Bullish

Price vs 50-day avg

−6% Bearish

RSI (14)

41 Neutral

MACD trend

Negative Bearish

52-week position

65% Neutral

Volume (OBV)

Confirms Neutral

Market signals — smart money & positioning

Bullish · 4 of 6

Trend (MA cross) No cross

50d $22 › 200d $20 — 50d above 200d

Institutional flow Accumulating

+8% holders QoQ · +15 funds added

Insider flow Accumulating

Net +$30.6K over 90 days · 0% sells

Short interest Falling

1.38% of float · ▼ -12.7% MoM · 2.6 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

93 holders — near 3-yr high, broad support

Price context

position in its 52-week range

Range low $15 Now $21 · 65% Range high $24

vs 200-day avg +6% vs 50-day avg -6%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings

Metric	Latest	Period	YoY
Criticized loans, end of period	55.08M	June 30, 2026	—
Diluted earnings per share, as adjusted, net of tax non-GAAP	$0.11	Jun-26	—
Efficiency ratio	65%	the quarter ended June 30, 2026	—

Efficiency ratio as adjusted non-GAAP	65%	Jun-26	—
Net income as adjusted (non-GAAP) non-GAAP	1.1M	Jun-26	—
Net interest margin	3.22%	Three Months Ended June 30, 2026	—

On-balance sheet liquidity ratio	14.3%	June 30, 2026	—
Pre-provision net revenue ("PPNR")	$10.9M	the six months ended June 30, 2026	—
Return on average assets as adjusted non-GAAP	0.25%	Jun-26	—
ROATCE as Adjusted non-GAAP	3%	Jun-26	—
Tangible Common Equity / Tangible Assets non-GAAP	9%	Jun-26	—
Allowance for credit losses on loans as a percent of total loans	1.69%	Q1 2026	—
Allowance for credit losses on loans as a percent of total nonperforming loans	132%	Q1 2026	—
Shares remaining available under buyback authorization	113K	Q1 2026	—
Tangible book value per share non-GAAP	$16.52	Q1 2026	—

Tangible common equity (TCE) as a percent of tangible assets non-GAAP	8.88%	Q1 2026	—

Allowance for credit losses on loans	22.4M	Q4 FY2025	—
Nonperforming assets	16.7M	Q4 FY2025	—
Special mention loans	24.5M	Q4 FY2025	—
Stockholders' equity as a percentage of total assets	10.55%	Q4 FY2025	—
Substandard loans	21.4M	Q4 FY2025	—
Uninsured and uncollateralized deposits	323.5M	Q4 FY2025	—
Uninsured deposits	478.4M	Q4 FY2025	—

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Banks - Regional — same industry group

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
CZWI Citizens Community Bancorp Inc. this stock	$202.65M	+17.3%	+44.1%	16.0	1.4%
MFG Mizuho Financial Group Inc	$123.19B	+38.4%	—	—	0.1%
HDB Hdfc Bank Ltd	$118.97B	-36.1%	+15.2%	—	0.5%
IBN Icici Bank Ltd	$105.45B	-0.4%	—	—	0.5%
CIXPF CaixaBank/ADR	$100.59B	+18.7%	—	—	0.1%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders Reducing

Holders

% held: 59.0%
Net QoQ: -153.6K sh
Top holder: BlackRock, Inc.

Held Float

View

Held by Funds

Fund positions

106

View

Short & Settlement

Short Interest Falling

Shares short

133.1K

Days to cover: 2.6d
Change: -19.3K sh

View

Short Volume

Short vol %

68%

As of: Aug 20, 2026

Short Total

View

Fails to Deliver

FTD shares

1.7K

Value: $40.7K
As of: Jul 16, 2026

View

Off-Exchange

Off-exchange %

38.0%

Week of: Jul 13, 2026

Off-exch Lit

View

Smart Money

Insider Trades Net buying

Net (90d)

+$30.6K

Buyers / Sellers: 2 / 0

Buyers Sellers

View

Financials

Net income (FY)

$14.4M

EPS diluted: $1.46

View

Filings

SEC Filings

Latest

10-Q

Filed: Aug 6, 2026
This year: 11

View

Proposed Sales

Value

$105.7K

Shares: 5.0K
Filed: May 14, 2026

View

Exempt Offerings

Offering

$35.0M

Filed: Mar 25, 2022

View

Earnings & Events

Investor Relations

Performance

	5D	20D	120D	MTD	YTD
CZWI	-1.0%	-9.1%	+20.0%	-5.0%	+17.3%
SPY	-2.0%	+3.3%	+11.2%	+2.1%	+11.8%
vs SPY	+1.0%	-12.4%	+8.9%	-7.1%	+5.4%

Capital returns

Latest dividend

$0.105 / share · ex Aug 7, 2026

Cut 70.8%

Paid (TTM)

$0.315 / share · 3 payouts

Dividend yield (TTM, derived)

1.51%

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 1367859 CUSIP 174903104 13F (30d) 91 filings 89 filers Visit website Investor relations

CZWI · Citizens Community Bancorp Inc.

Price & Indicators

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Equibles Rating

Technicals

Key metrics

Versus peers

At a glance

Performance

Capital returns