Citizens Community Bancorp, Inc. (CZWI)

Citizens Community Bancorp, Inc. (CZWI) stock has experienced a positive trend, gaining 20.65% over the past six months. The stock showed a 14.4% increase over a 12-week period and a 4.7% increase over four weeks, indicating a sustained uptrend. As of September 3, 2025, the company exhibited a bullish technical trend. Key events impacting the stock include the Q2 2025 earnings report with earnings of $0.33 per diluted share and a new 5% common stock buyback program, the Q3 2025 earnings report with diluted earnings per share of $0.37 and a tangible book value per share of $15.71, the debt redemption of the entire $15 million balance of its 6% subordinated debentures, and the Q4 2025 earnings estimate for Monday, January 26, 2026.

Citizens Community Bancorp, Inc. experiences demand seasonality in its products and services, particularly concerning deposits and loans. Public deposits typically show a seasonal shrinkage in the second and third quarters, followed by an increase in the fourth quarter. Commercial deposits can also see seasonal outflows of non-interest-bearing deposits, as observed in the first quarter of 2024. Total loans receivable have also experienced seasonal decreases, such as a $16.3 million reduction in the first quarter of 2025. The bank's consumer deposit base often correlates with consumer lending activity.

Citizens Community Bancorp, Inc. provides traditional banking services to individuals, businesses, and agricultural customers, offering a range of loan products including residential mortgages, commercial real estate loans, agricultural lending, commercial and industrial (C&I) loans, and consumer loans. The bank also offers checking accounts, savings accounts, money market accounts, and certificates of deposit, along with online and mobile banking options and ATM services.

The company's geographic footprint spans across three states in the upper Midwest: Wisconsin, Minnesota, and Michigan. In Wisconsin, it serves cities including Eau Claire, Altoona, Appleton, Rice Lake, Chippewa Falls, Neenah, Fond du Lac, and Oshkosh. Its Minnesota presence includes Brooklyn Park, Mankato, Oakdale, Red Wing, Faribault, and Winona. The bank also maintains locations in Rochester Hills and Lake Orion, Michigan.

Information specifically detailing the brand reputation of Citizens Community Bancorp, Inc. (Wisconsin) (CZWI) in the past year, or events that have explicitly affected its reputation, is not readily available in the provided search results. While there are general statements about "Citizens Community Bank" aiming to prioritize community and personal service, and some negative customer reviews for "Citizens Bank" on Trustpilot, it is important to note that these may refer to different entities and not specifically to Citizens Community Bancorp, Inc. (Wisconsin) (CZWI).

The ownership structure of Citizens Community Bancorp (CZWI) is a mix of institutional, insider, and individual investors. Institutional investors hold a significant portion, with figures ranging from approximately 30.92% to 57% of the company's stock. Insiders own about 12.20% of the stock. Public companies and individual investors hold approximately 10.03% to 46.86% of the shares. Major institutional shareholders include Alliancebernstein L.p., Vanguard Group Inc, Fourthstone LLC, Manufacturers Life Insurance Company, The, BlackRock, Inc., VTSMX - Vanguard Total Stock Market Index Fund Investor Shares, Dimensional Fund Advisors Lp, Wellington Management Group Llp, FRBAX - Regional Bank Fund Class A, and Gendell Jeffrey L.