Citizens Community Bancorp, Inc. (CZWI)

Over the past six months, Citizens Community Bancorp's stock has trended upwards by 23.07%. The company reported fourth quarter 2025 earnings of $0.44 per share, surpassing estimates, and revenues of $15.76 million, also exceeding estimates; the board approved a shift to a quarterly dividend at $0.105 per share. Third quarter 2025 earnings were reported at $0.37 per share, and $15 million of subordinated debt was redeemed. The company repurchased approximately 250,000 shares below tangible book value to increase shareholder value. The fourth quarter of 2025 saw a resurgence in loan growth, and the company anticipates further net interest margin expansion.

The company's public reports highlight seasonal patterns in public deposits. Citizens Community Bancorp also describes the use and subsequent reduction of wholesale funding, including brokered deposits and Federal Home Loan Bank advances, as part of its balance sheet management, which can be influenced by funding stability and access to contingent liquidity.

Citizens Community Bancorp, Inc. is a bank holding company for Citizens Community Federal N.A., operating in the Financials sector. It provides traditional community banking services, including deposit products like demand deposits and loans such as commercial real estate loans. The company also maintains a portfolio of investments and focuses on organic growth and acquisitions.

Citizens Community Bancorp, Inc. primarily serves customers in Wisconsin and Minnesota through 21 to 27 branch locations. Its primary markets include the Chippewa Valley Region in Wisconsin, the Mankato and Twin Cities regions in Minnesota, and surrounding rural communities. Some sources also indicate operations in Michigan.

Citizens Community Bancorp has maintained a "Hold" consensus rating from analysts. The company has a news sentiment score of 1.71, indicating a moderate level of mentions in the news. Citizens Community Bancorp emphasizes its commitment to supporting local communities and small businesses through initiatives like the Citizens Economic Opportunity Fund, contributing positively to its brand image.

Citizens Community Bancorp, Inc. has 162 institutional owners and shareholders holding a total of 7,084,876 shares. Institutional ownership stands at 61.37%, while insider ownership is at 8.34%. Major institutional shareholders include Alliancebernstein L.p., Vanguard Group Inc, Fourthstone LLC, and others.