Citizens Community Bancorp Inc MD (CZWI)

Citizens Community Bancorp is the holding company for Citizens Community Federal, a community bank with about 20 branches in Wisconsin, southern Minnesota, and northern Michigan. Serving consumers and businesses, the bank offers standard deposit services such as savings, checking, money market, and retirement accounts, as well as a variety of loan products. The bank focuses its lending activities on one- to four-family mortgages, which represent more than half of its loan portfolio. The bank also offers consumer loans such as auto and personal loans; it does not routinely make commercial loans. Founded in 1938, Citizens Community was a state-chartered credit union until 2001.

Company profile

Ticker

CZWI

Exchange

NASDAQ

Website

www.ccf.us

CEO

Stephen M. Bianchi

Incorporated

Maryland

Location

Wisconsin

Fiscal year end

Dec 31

Sector

Finance and Insurance > Savings Institutions

Industry (SIC)

Savings Institution, Federally Chartered

E Trade Financial • People's United Financial • Flagstar Bancorp • Umpqua • TFS Financial • Eastern Bankshares • Capitol Federal Financial • Provident Financial Services • Columbia Financial • Brookline Bancorp ...

SEC CIK

0001367859

Corporate docs

Articles of Incorporation & Bylaws

Underwriting Agreements

Plans of Reorganization

Indentures

Material Contracts & Credit Agreements

Subsidiaries Lists

Subsidiaries

Wells Insurance Agency, Inc. • F&M Investment Corp. ...

CZWI stock data

1M 1Y 5Y

News

From Benzinga Pro

Citizens Community: Q1 Earnings Insights

25 Apr 22

Citizens Community (NASDAQ:CZWI) reported its Q1 earnings results on Monday, April 25, 2022 at 08:30 AM. Here's what investors need to know about the announcement.

Citizens Community Q1 EPS $0.45 Beats $0.36 Estimate, Sales $15.88M Beat $12.81M Estimate

25 Apr 22

Citizens Community (NASDAQ:CZWI) reported quarterly earnings of $0.45 per share which beat the analyst consensus estimate of $0.36 by 25 percent. This is a 11.76 percent decrease over earnings of $0.51 per share from the

Press releases

From Benzinga Pro

Citizens Community Bancorp, Inc. Reports Earnings Per Share $0.45 Per Share in 1Q22; Bank Capital Base Strengthened

25 Apr 22

EAU CLAIRE, Wisc., April 25, 2022 (GLOBE NEWSWIRE) -- Citizens Community Bancorp, Inc. (the "Company") (NASDAQ:CZWI), the parent company of Citizens Community Federal N.A. (the "Bank" or "CCFBank"), today reported

Investment data

Data from SEC filings

Securities sold

Number of investors

Calendar

4 May 22

26 Jun 22

31 Dec 22

Financial summary

Financial statements Chart CZWI financial data

Quarter (USD)	Mar 22	Dec 21	Sep 21	Jun 21
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Annual (USD)	Dec 21	Dec 20	Dec 19	Sep 18
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Cash burn rate (est.)	Burn method: Change in cash		Burn method: Operating income		Burn method: FCF (opex + capex)
	Last Q	Avg 4Q	Last Q	Avg 4Q	Last Q	Avg 4Q
Cash on hand (at last report)	84.36M	84.36M	84.36M	84.36M	84.36M	84.36M
Cash burn (monthly)	(no burn)	9.31M	(no burn)	(no burn)	(no burn)	(no burn)
Cash used (since last report)	n/a	26.7M	n/a	n/a	n/a	n/a
Cash remaining	n/a	57.66M	n/a	n/a	n/a	n/a
Runway (months of cash)	n/a	6.2	n/a	n/a	n/a	n/a

Beta Read what these cash burn values mean

Financial data from company earnings reports.

Recent insider trades

CZWI insider ownership history Insider history

Date	Owner	Security	Transaction	Code	Indirect	10b5-1	$Price	#Shares	$Value	#Remaining
3 Mar 22	Stephen M Bianchi	Common Stock, par value $0.01 per share	Buy	Acquire P	Yes	No	15.58	100	1.56K	51,300
3 Mar 22	Stephen M Bianchi	Common Stock, par value $0.01 per share	Buy	Acquire P	Yes	No	15.59	200	3.12K	51,200
3 Mar 22	Stephen M Bianchi	Common Stock, par value $0.01 per share	Buy	Acquire P	No	No	15.59	200	3.12K	56,755
1 Mar 22	James S Broucek	Common Stock, par value $0.01 per share	Buy	Acquire P	Yes	No	15.7	500	7.85K	40,924
1 Mar 22	Stephen M Bianchi	Common Stock, par value $0.01 per share	Buy	Acquire P	No	No	15.66	92	1.44K	56,555
1 Mar 22	Stephen M Bianchi	Common Stock, par value $0.01 per share	Buy	Acquire P	No	No	15.67	100	1.57K	56,463
28 Feb 22	Moll James D	Common Stock, par value $0.01 per share	Buy	Acquire P	Yes	No	15.85	300	4.76K	10,424
24 Feb 22	Stephen M Bianchi	Common Stock, par value $0.01 per share	Buy	Acquire P	No	No	15.35	100	1.54K	56,363

Data from 3, 4 and 5 filings. Values as filed, not updated for current price.

Institutional ownership, Q1 2022

CZWI institutional ownership history Ownership history

62.0% owned by funds/institutions

13F holders	Current	Prev Q	Change
Total holders	40	38	+5.3%
Opened positions	4	8	-50.0%
Closed positions	2	6	-66.7%
Increased positions	14	13	+7.7%
Reduced positions	12	11	+9.1%

13F shares	Current	Prev Q	Change
Total value	1.59B	1.45B	+9.5%
Total shares	6.53M	6.64M	-1.6%
Total puts	0	0
Total calls	0	0
Total put/call ratio	–	–	–

Largest owners	Shares	Value	Change
FJ Capital Management	951.59K	$14.38M	-0.0%
Banc Funds	906.13K	$13.69M	-4.8%
Alliancebernstein	750.61K	$11.34M	+0.9%
Manufacturers Life Insurance Company, The	670.76K	$10.14M	+1.5%
MFC Manulife Financial	660.61K	$9.1M	0.0%
Vanguard	435.53K	$6.58M	+3.4%
Dimensional Fund Advisors	243.26K	$3.68M	+2.7%
Gendell Jeffrey L	234.43K	$3.54M	-6.6%
Wellington Management	213.53K	$3.23M	+310.8%
Bridgeway Capital Management	191.9K	$2.9M	+13.5%

Largest transactions	Shares	Bought/sold	Change
TFO USA	183.5K	-275.8K	-60.0%
Wellington Management	213.53K	+161.54K	+310.8%
Banc Funds	906.13K	-45.4K	-4.8%
Fourthstone	0	-40.79K	EXIT
Prelude Capital Management	85.75K	+25.91K	+43.3%
Bridgeway Capital Management	191.9K	+22.8K	+13.5%
Gendell Jeffrey L	234.43K	-16.48K	-6.6%
Vanguard	435.53K	+14.43K	+3.4%
Millennium Management	13.89K	+13.89K	NEW
MS Morgan Stanley	17.93K	+10.42K	+138.7%

Data from 13F filings, for the last complete 13F reporting period. For most recent data, click the ownership history button. Values as filed, not updated for current price. Long positions only.

Content analysis

Positive
Negative
Uncertain
Constraining
Legalese
Litigous
Readability	H.S. freshman Avg

New words: accelerate, ago, anytime, beneficiary, BOLI, buyer, cardholder, commitment, committed, customary, deed, Department, depletion, derecognized, eighteen, excluded, exited, expedient, favorable, fraud, holder, LLC, lockstep, NAV, ninety, NMTC, noncompliance, prevalence, qualification, redemption, Reinvestment, satisfaction, satisfied, SBIC, scope, seek, shortly, shrinkage, sponsoring, tied, transitioned, Treasury, vast, VIE, vintage, Volker

Removed: advance, approximate, assured, billed, bond, capitalizing, ceased, cloud, communicate, computing, contingent, develop, disclose, dissolved, element, frame, haircut, hosting, implementation, integration, lesser, license, lowered, MBS, negatively, October, processing, prospectively, repaid, resume, retrospectively, round, structure, Subtopic, Tomah, whichever, WIA

From filing 10-Q 2022 Q1

Financial reports

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