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CZWI Citizens Community Bancorp Inc MD

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.

CZWI stock data

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Investment data

Data from SEC filings
Securities sold
Number of investors

Calendar

8 Mar 21
17 Apr 21
31 Dec 21
Quarter (USD)
Dec 20 Sep 20 Jun 20 Mar 20
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS
Annual (USD)
Dec 20 Dec 19 Sep 18 Sep 17
Revenue
Cost of revenue
Operating income
Operating margin
Net income
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Diluted EPS

Financial data from company earnings reports.

Date Owner Security Transaction Code Indirect 10b5-1 $Price #Shares $Value #Remaining
15 Mar 21 James S Broucek Common Stock, par value $0.01 per share Buy Aquire P Yes No 12.39 200 2.48K 38,624
15 Mar 21 Stephen M Bianchi Common Stock, par value $0.01 per share Buy Aquire P Yes No 12.3 100 1.23K 40,141
15 Mar 21 Stephen M Bianchi Common Stock, par value $0.01 per share Buy Aquire P Yes No 12.43 300 3.73K 40,041
15 Mar 21 Moll James D Common Stock, par value $0.01 per share Buy Aquire P No No 12.3 18 221.4 31,871
9 Mar 21 Stephen M Bianchi Common Stock, par value $0.01 per share Buy Aquire P Yes No 11.42 100 1.14K 39,741
9 Mar 21 Stephen M Bianchi Common Stock, par value $0.01 per share Buy Aquire P Yes No 11.47 100 1.15K 39,641
9 Mar 21 Stephen M Bianchi Common Stock, par value $0.01 per share Buy Aquire P Yes No 11.48 100 1.15K 39,541
9 Mar 21 Stephen M Bianchi Common Stock, par value $0.01 per share Buy Aquire P No No 11.48 205 2.35K 50,907
4 Mar 21 Stephen M Bianchi Common Stock, par value $0.01 per share Buy Aquire P No No 11.44 295 3.37K 50,702

Data for the last complete 13F reporting period. To see the most recent changes to ownership, click the ownership history button above.

50.7% owned by funds/institutions
13F holders
Current Prev Q Change
Total holders 33 33
Opened positions 5 3 +66.7%
Closed positions 5 5
Increased positions 5 8 -37.5%
Reduced positions 10 11 -9.1%
13F shares
Current Prev Q Change
Total value 1.15B 719.5M +59.4%
Total shares 5.66M 5.25M +7.7%
Total puts 0 0
Total calls 0 0
Total put/call ratio
Largest owners
Shares Value Change
Banc Funds 1.04M $11.34M +1.9%
Fourthstone 1.03M $11.23M -7.3%
FJ Capital Management 920K $10.02M 0.0%
Manufacturers Life Insurance Company, The 456.23K $4.97M +0.0%
Alliancebernstein 451.64K $4.92M 0.0%
Vanguard 420.86K $4.58M +163.4%
Gendell Jeffrey L 288.06K $3.14M NEW
Dimensional Fund Advisors 209.11K $2.28M 0.0%
Wellington Management 186.7K $2.03M -1.3%
EJF Capital 141.56K $1.54M NEW
Largest transactions
Shares Bought/sold Change
Gendell Jeffrey L 288.06K +288.06K NEW
Vanguard 420.86K +261.09K +163.4%
Cutler Capital Management 0 -205.56K EXIT
EJF Capital 141.56K +141.56K NEW
Fourthstone 1.03M -80.91K -7.3%
Banc Funds 1.04M +19.15K +1.9%
Millennium Management 16.2K -15.42K -48.8%
Context BH Capital Management 36.32K +12.97K +55.5%
LPLA LPL Financial 10.11K +10.11K NEW
Eidelman Virant Capital 0 -10K EXIT

Financial report summary

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Risks
  • We are a community bank and our ability to maintain our reputation is critical to the success of our business and the failure to do so may materially adversely affect our performance.
  • A new accounting standard may require us to increase our allowance for loan losses and may have a material adverse effect on our financial condition and results of operations.
  • We have become subject to more stringent capital requirements, which may adversely impact our return on equity, require us to raise additional capital, or limit our ability to pay dividends or repurchase shares.
Content analysis
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H.S. freshman Avg
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