CZWI Citizens Community Bancorp Inc MD Dashboard

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 • Eastern Bankshares • TFS Financial • BankUnited • Capitol Federal Financial • Provident Financial Services • Columbia Financial ...

SEC CIK

0001367859

Corporate docs

Articles of Incorporation & Bylaws

CZWI stock data

S&P 500

1M 1Y 2Y 5Y

News

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12 Apr 21

During Monday's morning session, 212 companies made new 52-week highs.

Stocks That Hit 52-Week Highs On Friday

9 Apr 21

During the morning session on Friday, 178 stocks hit new 52-week highs.

Stocks That Hit 52-Week Highs On Friday

12 Mar 21

Before 10 a.m. ET on Friday, 571 companies hit new 52-week highs.

Press releases

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Citizens Community Bancorp, Inc. Earns $3.6 Million, or $0.32 Per Share in 4Q20; Record 2020 Annual Earnings Increase 34% from Prior Year Annual Earnings; Asset Quality Continues to Improve; 2021 Annual Cash Dividend Increases to $0.23 Per Share

28 Jan 21

EAU CLAIRE, Wis., Jan. 28, 2021 (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

8 Mar 21

17 Apr 21

31 Dec 21

Financial summary

Financial statements Chart CZWI financial data

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
Net profit margin
Cash on hand
Change in cash
Diluted EPS

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
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 from 3, 4 and 5 filings. Stock values as filed, not updated for current price.

Institutional ownership Q4 2020

CZWI institutional ownership history Ownership history

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

Data from 13F filings. Stock values as filed, not updated for current price. Long positions only.

Financial report summary

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

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

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From filing 10-K 2020 FY