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
Website
CEO
Stephen M. Bianchi
Employees
Incorporated
Location
Fiscal year end
Industry (SIC)
SEC CIK
Corporate docs
Subsidiaries
Wells Insurance Agency, Inc. • F&M Investment Corp. ...
CZWI stock data
Investment data
Securities sold
Number of investors
Calendar
4 May 22
26 Jun 22
31 Dec 22
Financial summary
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Diluted EPS |
Annual (USD) | Dec 21 | Dec 20 | Dec 19 | Sep 18 | |
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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 |
Recent insider trades
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 |
Institutional ownership, Q1 2022
62.0% owned by funds/institutions
13F holders | Current |
---|---|
Total holders | 40 |
Opened positions | 4 |
Closed positions | 2 |
Increased positions | 14 |
Reduced positions | 12 |
13F shares | Current |
---|---|
Total value | 1.59B |
Total shares | 6.53M |
Total puts | 0 |
Total calls | 0 |
Total put/call ratio | – |
Largest owners | Shares | Value |
---|---|---|
FJ Capital Management | 951.59K | $14.38M |
Banc Funds | 906.13K | $13.69M |
Alliancebernstein | 750.61K | $11.34M |
Manufacturers Life Insurance Company, The | 670.76K | $10.14M |
MFC Manulife Financial | 660.61K | $9.1M |
Vanguard | 435.53K | $6.58M |
Dimensional Fund Advisors | 243.26K | $3.68M |
Gendell Jeffrey L | 234.43K | $3.54M |
Wellington Management | 213.53K | $3.23M |
Bridgeway Capital Management | 191.9K | $2.9M |
Content analysis
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H.S. freshman Avg
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New words:
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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
Financial reports
Current reports
8-K
Triggering Events That Accelerate or Increase a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement
24 Jun 22
8-K
2022 First Quarter Results Piper Sandler Upper Midwest Bank Tour
14 Jun 22
8-K
Departure of Directors or Certain Officers
25 Apr 22
8-K
Regulation FD Disclosure
25 Apr 22
8-K
Bank Capital Base Strengthened
25 Apr 22
8-K
Entry into a Material Definitive Agreement
13 Mar 22
8-K
Other Events
31 Jan 22
8-K
Regulation FD Disclosure
31 Jan 22
8-K
2022 Annual Dividend Increase of 13% to $0.26 Per Share
31 Jan 22
8-K
Regulation FD Disclosure
25 Oct 21
Registration and prospectus
D
$35M in debt, sold $35M, 23 investors
25 Mar 22
D/A
$15M in debt, sold $15M, 14 investors
1 Oct 20
D
$15M in debt, sold $15M, 14 investors
10 Sep 20
424B3
Prospectus supplement
17 May 19
S-4/A
Registration of securities issued in business combination transactions (amended)
15 May 19
425
Business combination disclosure
6 May 19
S-4
Registration of securities issued in business combination transactions
24 Apr 19
425
Business combination disclosure
29 Jan 19
425
Business combination disclosure
22 Jan 19
425
Business combination disclosure
22 Jan 19
Other
EFFECT
Notice of effectiveness
20 May 19
CORRESP
Correspondence with SEC
14 May 19
UPLOAD
Letter from SEC
24 Apr 19
EFFECT
Notice of effectiveness
6 Aug 18
CORRESP
Correspondence with SEC
31 Jul 18
UPLOAD
Letter from SEC
29 Jul 18
EFFECT
Notice of effectiveness
29 Jun 17
CORRESP
Correspondence with SEC
28 Jun 17
UPLOAD
Letter from SEC
8 Jun 17
UPLOAD
Letter from SEC
1 Jun 09
Ownership
4
Citizens Community Bancorp / Stephen M Bianchi ownership change
7 Mar 22
4
Citizens Community Bancorp / Stephen M Bianchi ownership change
2 Mar 22
4
Citizens Community Bancorp / JAMES S BROUCEK ownership change
1 Mar 22
4
Citizens Community Bancorp / JAMES D MOLL ownership change
1 Mar 22
4
Citizens Community Bancorp / Stephen M Bianchi ownership change
28 Feb 22
SC 13G
Citizens Community Bancorp / MANULIFE FINANCIAL ownership change
16 Feb 22
5
Citizens Community Bancorp / Stephen M Bianchi ownership change
15 Feb 22
SC 13G/A
Citizens Community Bancorp / Fourthstone ownership change
14 Feb 22
SC 13G
Citizens Community Bancorp / ALLIANCEBERNSTEIN ownership change
13 Feb 22
SC 13G/A
Citizens Community Bancorp / BANC FUNDS ownership change
7 Feb 22
Reddit threads
Daily Discussion Thread - April 25th, 2022
25 Apr 22
Daily Discussion Thread - April 22nd, 2022
22 Apr 22
Daily Discussion Thread - February 11th, 2022
11 Feb 22
Daily Discussion Thread - February 10th, 2022
10 Feb 22
Daily Discussion Thread - February 9th, 2022
9 Feb 22
Daily Discussion Thread - February 8th, 2022
8 Feb 22
Daily Discussion Thread - January 27th, 2022
27 Jan 22
Daily Discussion Thread - January 26th, 2022
26 Jan 22
Daily Discussion Thread - January 25th, 2022
25 Jan 22
Daily Discussion Thread - January 24th, 2022
24 Jan 22