Citizens Community Bancorp (CZWI)
Market Price (11/6/2026): $23.81 | Market Cap: $228.1 MilSector: Financials | Industry: Regional Banks
Citizens Community Bancorp (CZWI)
Market Price (11/6/2026): $23.81Market Cap: $228.1 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 6.5%, FCF Yield is 8.5% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -60% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 35%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 30% Low stock price volatilityVol 12M is 26% Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. | Trading close to highsDist 52W High is -3.2%, Dist 3Y High is -3.2% | Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is 0.3%, Rev Chg QQuarterly Revenue Change % is -0.1% Key risksCZWI key risks include [1] elevated credit risk from its loan portfolio's concentration in commercial, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 6.5%, FCF Yield is 8.5% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -60% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 35%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 30% |
| Low stock price volatilityVol 12M is 26% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. |
| Trading close to highsDist 52W High is -3.2%, Dist 3Y High is -3.2% |
| Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is 0.3%, Rev Chg QQuarterly Revenue Change % is -0.1% |
| Key risksCZWI key risks include [1] elevated credit risk from its loan portfolio's concentration in commercial, Show more. |
Qualitative Assessment
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Citizens Community Bancorp (CZWI) stock has gained about 10% since 7/31/2026 because of the following key factors:
1. Strong Earnings and Revenue Beat in Fiscal Q3 2026. Citizens Community Bancorp reported diluted earnings per share of $0.56 for fiscal Q3 2026 (ended September 30, 2026), significantly exceeding analyst estimates of $0.44 per share by 27.27%. The company's revenue of $17.37 million also surpassed consensus expectations by 3.41%.
2. Dramatic Decrease in Provision for Credit Losses. A substantial reduction in the provision for credit losses to $0.125 million in fiscal Q3 2026, a sharp decline from $4.325 million in fiscal Q2 2026 (ended June 30, 2026), played a crucial role in the earnings rebound and alleviated prior concerns about asset quality.
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Citizens Community Bancorp (CZWI) stock has gained about 10% since 7/31/2026 because of the following key factors:
1. Strong Earnings and Revenue Beat in Fiscal Q3 2026. Citizens Community Bancorp reported diluted earnings per share of $0.56 for fiscal Q3 2026 (ended September 30, 2026), significantly exceeding analyst estimates of $0.44 per share by 27.27%. The company's revenue of $17.37 million also surpassed consensus expectations by 3.41%.
2. Dramatic Decrease in Provision for Credit Losses. A substantial reduction in the provision for credit losses to $0.125 million in fiscal Q3 2026, a sharp decline from $4.325 million in fiscal Q2 2026 (ended June 30, 2026), played a crucial role in the earnings rebound and alleviated prior concerns about asset quality.
3. Expanded Net Interest Margin and Increased Net Interest Income. The company demonstrated improved core lending profitability with its net interest margin expanding to 3.37% from 3.22% in fiscal Q2 2026. This contributed to a $1.0 million increase in net interest income, reaching $14.5 million in fiscal Q3 2026, driven by higher loan yields from repricing and new originations.
4. Enhanced Shareholder Returns Through Dividend Hike and Share Repurchase Program. Citizens Community Bancorp's board approved a 14% increase in the quarterly dividend to $0.12 per share. Additionally, the company initiated a new share repurchase authorization of 482,500 shares in September 2026 and repurchased 70,000 shares during fiscal Q3 2026, signaling management's confidence and directly benefiting shareholders.
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Stock Movement Drivers
Fundamental Drivers
The 7.9% change in CZWI stock from 7/31/2026 to 11/5/2026 was primarily driven by a 26.4% change in the company's P/E Multiple.| (LTM values as of) | 7312026 | 11052026 | Change |
|---|---|---|---|
| Stock Price ($) | 21.89 | 23.62 | 7.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 64 | 64 | 0.0% |
| Net Income Margin (%) | 23.3% | 20.0% | -14.4% |
| P/E Multiple | 14.1 | 17.8 | 26.4% |
| Shares Outstanding (Mil) | 10 | 10 | -0.2% |
| Cumulative Contribution | 7.9% |
Market Drivers
7/31/2026 to 11/5/2026| Return | Correlation | |
|---|---|---|
| CZWI | 7.9% | |
| Market (SPY) | -1.9% | 31.5% |
| Sector (XLF) | 1.0% | 35.2% |
Fundamental Drivers
The 15.0% change in CZWI stock from 4/30/2026 to 11/5/2026 was primarily driven by a 28.5% change in the company's P/E Multiple.| (LTM values as of) | 4302026 | 11052026 | Change |
|---|---|---|---|
| Stock Price ($) | 20.55 | 23.62 | 15.0% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 62 | 64 | 3.1% |
| Net Income Margin (%) | 23.1% | 20.0% | -13.8% |
| P/E Multiple | 13.8 | 17.8 | 28.5% |
| Shares Outstanding (Mil) | 10 | 10 | 0.7% |
| Cumulative Contribution | 15.0% |
Market Drivers
4/30/2026 to 11/5/2026| Return | Correlation | |
|---|---|---|
| CZWI | 15.0% | |
| Market (SPY) | 2.3% | 9.8% |
| Sector (XLF) | 10.7% | 22.3% |
Fundamental Drivers
The 53.3% change in CZWI stock from 10/31/2025 to 11/5/2026 was primarily driven by a 43.8% change in the company's P/E Multiple.| (LTM values as of) | 10312025 | 11052026 | Change |
|---|---|---|---|
| Stock Price ($) | 15.41 | 23.62 | 53.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 58 | 64 | 10.8% |
| Net Income Margin (%) | 21.5% | 20.0% | -7.2% |
| P/E Multiple | 12.4 | 17.8 | 43.8% |
| Shares Outstanding (Mil) | 10 | 10 | 3.6% |
| Cumulative Contribution | 53.3% |
Market Drivers
10/31/2025 to 11/5/2026| Return | Correlation | |
|---|---|---|
| CZWI | 53.3% | |
| Market (SPY) | 8.4% | 15.5% |
| Sector (XLF) | 11.1% | 31.2% |
Fundamental Drivers
The 185.9% change in CZWI stock from 10/31/2023 to 11/5/2026 was primarily driven by a 219.5% change in the company's P/E Multiple.| (LTM values as of) | 10312023 | 11052026 | Change |
|---|---|---|---|
| Stock Price ($) | 8.26 | 23.62 | 185.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 64 | 64 | -0.3% |
| Net Income Margin (%) | 24.2% | 20.0% | -17.4% |
| P/E Multiple | 5.6 | 17.8 | 219.5% |
| Shares Outstanding (Mil) | 10 | 10 | 8.7% |
| Cumulative Contribution | 185.9% |
Market Drivers
10/31/2023 to 11/5/2026| Return | Correlation | |
|---|---|---|
| CZWI | 185.9% | |
| Market (SPY) | 81.3% | 25.8% |
| Sector (XLF) | 85.5% | 37.3% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| CZWI Return | 29% | -11% | -0% | 43% | 12% | 35% | 146% |
| Peers Return | 30% | -8% | -0% | 15% | 19% | 31% | 112% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 12% | 105% |
Monthly Win Rates [3] | |||||||
| CZWI Win Rate | 83% | 50% | 58% | 67% | 50% | 64% | |
| Peers Win Rate | 65% | 43% | 45% | 53% | 62% | 60% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 45% | |
Max Drawdowns [4] | |||||||
| CZWI Max Drawdown | -13% | -31% | -40% | -18% | -20% | -15% | |
| Peers Max Drawdown | -18% | -28% | -38% | -19% | -24% | -15% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: ASB, NIC, WTFC, ALRS, WSBF.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 11/5/2026 (YTD)
How Low Can It Go
| Event | CZWI | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -18.5% | -18.8% |
| % Gain to Breakeven | 22.7% | 23.1% |
| Time to Breakeven | 123 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -16.1% | -9.5% |
| % Gain to Breakeven | 19.2% | 10.5% |
| Time to Breakeven | 17 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -39.6% | -6.7% |
| % Gain to Breakeven | 65.7% | 7.1% |
| Time to Breakeven | 301 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -10.6% | -24.5% |
| % Gain to Breakeven | 11.9% | 32.4% |
| Time to Breakeven | 44 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -53.6% | -33.7% |
| % Gain to Breakeven | 115.4% | 50.9% |
| Time to Breakeven | 342 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -24.6% | -19.2% |
| % Gain to Breakeven | 32.7% | 23.8% |
| Time to Breakeven | 833 days | 105 days |
In The Past
Citizens Community Bancorp's stock fell -18.5% during the 2025 US Tariff Shock. Such a loss loss requires a 22.7% gain to breakeven.
Preserve Wealth
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Asset Allocation
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| Event | CZWI | S&P 500 |
|---|---|---|
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -39.6% | -6.7% |
| % Gain to Breakeven | 65.7% | 7.1% |
| Time to Breakeven | 301 days | 31 days |
| 2020 COVID-19 Crash | ||
| % Loss | -53.6% | -33.7% |
| % Gain to Breakeven | 115.4% | 50.9% |
| Time to Breakeven | 342 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -24.6% | -19.2% |
| % Gain to Breakeven | 32.7% | 23.8% |
| Time to Breakeven | 833 days | 105 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -31.4% | -53.4% |
| % Gain to Breakeven | 45.8% | 114.4% |
| Time to Breakeven | 2055 days | 1085 days |
In The Past
Citizens Community Bancorp's stock fell -18.5% during the 2025 US Tariff Shock. Such a loss loss requires a 22.7% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About Citizens Community Bancorp (CZWI)
Citizens Community Bancorp, Inc. (CZWI) is a bank holding company that operates Citizens Community Federal N.A., providing traditional community banking services. Essentially, it functions as a local bank, offering a range of financial products to individuals and businesses within its operational footprint.
The company's primary services revolve around deposits and lending. It accepts various deposit products, including demand deposits, savings, money market accounts, and certificates of deposit. On the lending side, CZWI offers a comprehensive portfolio that includes commercial real estate loans, commercial and industrial loans, agricultural real estate and operating loans, consumer loans, and one-to-four family residential mortgages alongside home equity lines-of-credit.
CZWI serves a broad customer base comprising businesses, agricultural operators, and individual consumers. Its market presence is concentrated in the Midwestern United States, operating through a network of 25 full-service branch locations across Wisconsin and Minnesota.
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Here are 1-2 brief analogies for Citizens Community Bancorp (CZWI):
- Think of it as a community-level Bank of America or Wells Fargo, specifically serving towns and businesses in Wisconsin and Minnesota.
- Imagine a smaller, more localized version of a regional bank like U.S. Bancorp, focused purely on Wisconsin and Minnesota.
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Deposit Accounts: The bank accepts various types of deposits from businesses, agricultural operators, and consumers.
- Demand Deposits: Accounts allowing instant access to funds.
- Savings Accounts: Interest-bearing accounts for saving money.
- Money Market Accounts: Interest-bearing accounts with limited transaction capabilities.
- Certificates of Deposit (CDs): Time deposits with fixed interest rates for a specified period.
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Loan Products: The bank provides a range of financing options to its customers.
- Commercial Real Estate Loans: Financing for the purchase or refinance of commercial properties.
- Commercial and Industrial Loans: Loans to businesses for operations, equipment, and other needs.
- Agricultural Real Estate Loans: Financing for agricultural land and properties.
- Agricultural Operating Loans: Loans to support daily agricultural operations and short-term needs.
- Consumer Loans: Loans for personal use by individuals.
- One-to-Four Family Residential Mortgages: Loans for purchasing or refinancing residential homes.
- Home Equity Lines-of-Credit (HELOCs): Revolving credit lines secured by a borrower's home equity.
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Citizens Community Bancorp (CZWI) is a bank holding company that provides traditional community banking services. It sells primarily to individuals and various categories of businesses.
The major customer categories it serves are:
- Businesses (including commercial real estate and commercial and industrial clients)
- Agricultural Operators (for both real estate and operating needs)
- Consumers (for residential mortgages, home equity lines-of-credit, and other consumer loans, as well as deposit products)
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Stephen M. Bianchi, Chairman of the Board, Chief Executive Officer, and President
Stephen M. Bianchi has served as President and Chief Executive Officer of Citizens Community Bancorp, Inc. since June 2016, and was appointed Chairman of the Board in October 2018. Prior to joining Citizens Community Bancorp, he was President and Chief Executive Officer of HF Financial Corp. and Home Federal Bank in Sioux Falls, South Dakota, from 2011 to 2016, where he was noted for improving bank performance. Mr. Bianchi brings over 30 years of banking experience, including senior management roles at Wells Fargo Bank and Associated Bank. He holds an MBA and a B.S. in Finance from Providence College.
James S. Broucek, Executive Vice President, Chief Financial Officer, Treasurer, and Principal Accounting Officer
James S. Broucek has served as Executive Vice President, Chief Financial Officer, Treasurer, and Principal Accounting Officer of Citizens Community Bancorp, Inc. and its subsidiary bank since October 31, 2017. Before his tenure at Citizens Community Bancorp, he was a Senior Manager at Wipfli LLP from December 2013 to October 2017.
Rebecca Johnson, Vice President/Controller
Rebecca Johnson serves as the Vice President and Controller for Citizens Community Bancorp, Inc.
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The key risks to Citizens Community Bancorp (CZWI) are primarily concentrated in areas common to traditional community banking, with specific emphasis on its loan portfolio and the broader economic and regulatory environment.
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Credit Risk: Citizens Community Bancorp faces significant credit risk due to its lending activities, particularly within its commercial and agricultural loan portfolios. There is a notable presence of "Special Mention" and "Substandard" loans, specifically in commercial and agricultural real estate, which could lead to increased credit risk and potential future loan losses. The company also has exposure to loans past due across various segments, including commercial real estate, residential mortgages, and consumer loans, which could negatively impact future earnings and capital levels. Management frequently monitors and reports on criticized assets, nonperforming assets, and delinquency trends, highlighting the ongoing importance of credit quality management.
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Interest Rate Risk: As a financial institution, Citizens Community Bancorp is exposed to interest rate fluctuations. Changes in interest rates can affect the value of its securities portfolio and impact its net interest margin. For instance, an increase in the ten-year U.S. Treasury rate has directly contributed to accumulated other comprehensive income (AOCI) losses, demonstrating the tangible effect of interest rate movements on the company's financial position. This risk is a sector-specific concern for banks.
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Regulatory Changes: Citizens Community Bancorp operates in a highly regulated industry, making it susceptible to legislative or regulatory changes. Evolving banking regulations, compliance requirements, and potential actions by regulatory bodies can adversely affect the company's operations, financial condition, and performance.
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The clear emerging threats for Citizens Community Bancorp (CZWI), as a traditional community bank operating with physical branches, are:
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Digital-first financial technology (Fintech) companies and Neobanks: These entities operate with significantly lower overhead than traditional banks due to their lack of physical branches. They leverage advanced technology to offer more competitive interest rates on deposits, lower fees, superior digital user experiences (mobile apps, online platforms), and faster loan application and approval processes. This directly threatens CZWI's ability to attract and retain customers for deposits and various loan products, particularly among younger, tech-savvy demographics and small businesses who prioritize convenience and digital access over physical proximity.
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Big Tech companies expanding into financial services: Major technology companies like Apple, Google, and Amazon are increasingly offering financial products such as high-yield savings accounts, payment processing services, and lending solutions. These companies possess immense brand recognition, vast customer bases, and sophisticated data analytics capabilities, allowing them to integrate financial services seamlessly into their existing ecosystems. This represents a significant competitive threat to traditional banks like CZWI, particularly in consumer banking, by offering highly convenient and integrated digital financial solutions that can attract and retain customers.
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Citizens Community Bancorp (NASDAQ: CZWI) is expected to drive future revenue growth over the next two to three years through several strategic initiatives:
- Expansion of Commercial Lending and Diversified Loan Growth: The company is strategically transforming from a consumer-focused lender to a more diversified community bank, emphasizing expanded commercial lending capabilities. This shift, coupled with a diversified loan portfolio across commercial real estate, agricultural real estate, multifamily, construction, residential mortgages, and consumer installment loans, is anticipated to increase interest income.
- Deposit Growth and Customer Base Expansion: Citizens Community Bancorp is committed to expanding its customer base, specifically focusing on deposit growth. This strategy is evidenced by a year-over-year increase in deposits and an increase in deposits per branch, reflecting both organic growth and strategic initiatives to attract and retain customers. Growing deposits provide a stable funding source for loan origination, directly contributing to revenue.
- Strategic Acquisitions: A key component of Citizens Community Bancorp's growth strategy involves the acquisition of smaller community banks within its existing markets. These acquisitions are expected to expand the company's market share, customer base, and overall revenue generation.
- Net Interest Margin Improvement: The company anticipates improvements in its net interest margin (NIM), which directly impacts net interest income, a primary component of revenue. This improvement is expected to be driven by a combination of loan growth and efficient management of deposit costs.
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Share Repurchases
- On July 28, 2025, Citizens Community Bancorp's Board of Directors authorized a 5% stock buyback, allowing for the repurchase of up to 499,000 shares.
- Between October 1, 2025, and December 31, 2025, the company repurchased 250,000 shares for $4 million.
- As of January 26, 2026, the company had completed the repurchase of 385,252 shares, representing 3.89% of outstanding shares, for $6.01 million under the buyback announced on July 28, 2025.
Share Issuance
- The number of shares outstanding remained relatively stable over the last 3-5 years, with approximately 11 million shares outstanding at the end of 2021 and around 10 million at the end of 2025, indicating no significant share issuance.
Peer Outperformance in Regional Banks
| Industry | Names | 1Y med | 3Y med | 5Y med | Top 3 by 5Y |
|---|---|---|---|---|---|
| Reinsurance | 6 | 33.1% | 75.7% | 125.1% | SPNT 168% · RGA 162% · RNR 141% |
| Investment Banking & Brokerage | 13 | -3.9% | 89.1% | 93.1% | IBKR 305% · SNEX 152% · GS 141% |
| Diversified Banks | 12 | 30.0% | 140.4% | 90.3% | CM 144% · RY 129% · JPM 127% |
| Life & Health Insurance | 20 | 14.3% | 52.3% | 75.4% | JXN 514% · UNM 224% · FG 188% |
| Property & Casualty Insurance | 42 | 18.9% | 76.8% | 66.8% | TRV 178% · PGR 172% · ACGL 168% |
| Multi-Sector Holdings | 3 | 10.1% | 53.8% | 59.4% | BRK-B 99% · VOYA 59% · JEF 37% |
| Multi-line Insurance | 9 | 9.5% | 71.4% | 59.4% | AIZ 105% · GNW 104% · L 98% |
| Regional Banks ← | 263 | 30.0% | 87.5% | 46.7% | CBC 268% · FCNCA 176% · NIC 136% |
| Insurance Brokers | 15 | 5.5% | 13.4% | 33.4% | LIFE 287% · ARX 89% · WTW 56% |
| Financial Exchanges & Data | 15 | 20.6% | 37.2% | 27.9% | CBOE 183% · VIRT 131% · CME 71% |
| Asset Management & Custody Banks | 83 | -5.9% | 22.8% | 12.3% | VCTR 210% · AAMI 207% · WT 205% |
| Consumer Finance | 30 | 2.9% | 81.0% | 8.1% | ENVA 330% · FCFS 130% · ECPG 111% |
| Commercial & Residential Mortgage Finance | 14 | -46.5% | 36.8% | 2.5% | FNMA 327% · FMCC 293% · ACT 158% |
| Diversified Financial Services | 4 | -1.6% | 20.1% | -1.1% | FRHC 153% · EQH 71% |
| Specialized Finance | 3 | 15.8% | 31.5% | -19.7% | HASI -20% · CACC -24% |
| Transaction & Payment Processing Services | 17 | 19.3% | 9.1% | -29.4% | V 103% · MA 94% · CPAY 83% |
| Mortgage REITs | 35 | -18.0% | -6.1% | -37.2% | RITM 36% · DX 17% · AGNC 10% |
| Diversified Capital Markets | 20 | -47.1% | -8.5% | -70.1% | LPLA 83% · TW 38% · RIOT -53% |
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| With Citizens Community Bancorp Stock Down 7.2% In A Month, How Confident Are You? | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
Research & Analysis
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 32.18 |
| Mkt Cap | 2.2 |
| Rev LTM | 412 |
| Op Inc LTM | - |
| FCF LTM | 142 |
| FCF 3Y Avg | 99 |
| CFO LTM | 152 |
| CFO 3Y Avg | 110 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 11.7% |
| Rev Chg 3Y Avg | 9.5% |
| Rev Chg Q | 8.5% |
| QoQ Delta Rev Chg LTM | 2.4% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 38.2% |
| CFO/Rev 3Y Avg | 35.3% |
| FCF/Rev LTM | 35.6% |
| FCF/Rev 3Y Avg | 33.4% |
Price Behavior
| Market Price | $23.62 | |
| Market Cap ($ Bil) | 0.2 | |
| First Trading Date | 03/30/2004 | |
| Distance from 52W High | -3.2% | |
| 50 Days | 200 Days | |
| DMA Price | $21.79 | $20.69 |
| DMA Trend | up | up |
| Distance from DMA | 8.4% | 14.2% |
| 3M | 1YR | |
| Volatility | 23.6% | 25.9% |
| Downside Capture | 36.53 | 10.92 |
| Upside Capture | 134.52 | 59.84 |
| Correlation (S&P 500) | 27.9% | 12.8% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.72 | 0.50 | 0.31 | 0.03 | 0.22 | 0.43 |
| Up Beta | 3.57 | -1.36 | -0.58 | -0.32 | 0.14 | 0.42 |
| Down Beta | 0.18 | 0.61 | 0.20 | -0.45 | -0.03 | 0.43 |
| Up Capture | 185% | 119% | 68% | 36% | 47% | 27% |
| Bmk +ve Days | 12 | 18 | 28 | 62 | 130 | 427 |
| Stock +ve Days | 13 | 21 | 28 | 57 | 125 | 373 |
| Down Capture | 3% | 14% | 36% | 13% | 11% | 49% |
| Bmk -ve Days | 10 | 25 | 36 | 64 | 121 | 325 |
| Stock -ve Days | 9 | 22 | 36 | 66 | 118 | 345 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CZWI | |
|---|---|---|---|---|
| CZWI | 48.8% | 25.9% | 1.49 | - |
| Sector ETF (XLF) | 11.1% | 15.2% | 0.47 | 31.7% |
| Equity (SPY) | 9.5% | 13.6% | 0.41 | 15.5% |
| Gold (GLD) | 3.6% | 28.7% | 0.11 | 0.2% |
| Commodities (DBC) | 37.7% | 21.2% | 1.40 | -13.0% |
| Real Estate (VNQ) | 12.0% | 14.2% | 0.55 | 28.9% |
| Bitcoin (BTCUSD) | -20.8% | 43.3% | -0.42 | 5.5% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CZWI | |
|---|---|---|---|---|
| CZWI | 14.3% | 26.8% | 0.49 | - |
| Sector ETF (XLF) | 9.1% | 18.4% | 0.36 | 33.8% |
| Equity (SPY) | 11.3% | 17.3% | 0.48 | 23.5% |
| Gold (GLD) | 17.5% | 19.1% | 0.74 | 0.6% |
| Commodities (DBC) | 8.0% | 19.6% | 0.29 | 2.9% |
| Real Estate (VNQ) | 1.2% | 18.9% | -0.05 | 25.4% |
| Bitcoin (BTCUSD) | 5.9% | 51.5% | 0.29 | 6.7% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CZWI | |
|---|---|---|---|---|
| CZWI | 10.3% | 28.7% | 0.38 | - |
| Sector ETF (XLF) | 13.3% | 22.1% | 0.54 | 33.3% |
| Equity (SPY) | 14.9% | 18.0% | 0.70 | 26.4% |
| Gold (GLD) | 12.0% | 16.5% | 0.59 | -1.1% |
| Commodities (DBC) | 7.6% | 18.1% | 0.33 | 8.8% |
| Real Estate (VNQ) | 5.7% | 20.7% | 0.23 | 27.1% |
| Bitcoin (BTCUSD) | 61.3% | 66.2% | 1.01 | 6.5% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Updated 11/4/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 10/26/2026 | 5.9% | 9.4% | |
| 7/27/2026 | -9.2% | -6.6% | -10.9% |
| 4/27/2026 | 1.1% | 1.1% | 0.8% |
| 1/26/2026 | -0.8% | -0.3% | -1.1% |
| 10/27/2025 | -0.2% | -1.7% | 6.1% |
| 7/28/2025 | 0.0% | 0.9% | 10.2% |
| 4/28/2025 | 3.0% | 2.6% | 1.6% |
| 1/27/2025 | -0.6% | -1.0% | -3.7% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 17 | 15 | 17 |
| # Negative | 7 | 9 | 6 |
| Median Positive | 1.9% | 2.6% | 6.3% |
| Median Negative | -1.2% | -1.7% | -6.7% |
| Max Positive | 5.9% | 11.0% | 28.2% |
| Max Negative | -9.2% | -6.6% | -21.7% |
| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 10/26/2026 | 5.9% | 9.4% | |
| 7/27/2026 | -9.2% | -6.6% | -10.9% |
| 4/27/2026 | 1.1% | 1.1% | 0.8% |
| 1/26/2026 | -0.8% | -0.3% | -1.1% |
| 10/27/2025 | -0.2% | -1.7% | 6.1% |
| 7/28/2025 | 0.0% | 0.9% | 10.2% |
| 4/28/2025 | 3.0% | 2.6% | 1.6% |
| 1/27/2025 | -0.6% | -1.0% | -3.7% |
| 10/28/2024 | 0.4% | -0.6% | 16.1% |
| 7/29/2024 | -1.5% | -4.9% | 1.8% |
| 4/29/2024 | 5.9% | 5.4% | 11.5% |
| 1/29/2024 | 1.1% | 1.9% | 1.0% |
| 10/24/2023 | 5.1% | 4.1% | 28.2% |
| 7/24/2023 | 1.1% | 2.8% | 1.7% |
| 4/25/2023 | -1.2% | -3.7% | -21.7% |
| 1/23/2023 | 2.9% | 2.0% | 6.3% |
| 10/24/2022 | 1.2% | 3.9% | 18.7% |
| 7/25/2022 | 1.9% | 1.2% | 6.3% |
| 4/25/2022 | -1.7% | -5.6% | -9.7% |
| 1/31/2022 | 3.8% | 11.0% | 14.5% |
| 10/25/2021 | 0.1% | -1.6% | -0.5% |
| 7/26/2021 | 0.1% | 1.5% | 3.0% |
| 4/26/2021 | 1.9% | 2.5% | 2.6% |
| 1/28/2021 | 3.0% | 3.9% | 9.3% |
| SUMMARY STATS | |||
| # Positive | 17 | 15 | 17 |
| # Negative | 7 | 9 | 6 |
| Median Positive | 1.9% | 2.6% | 6.3% |
| Median Negative | -1.2% | -1.7% | -6.7% |
| Max Positive | 5.9% | 11.0% | 28.2% |
| Max Negative | -9.2% | -6.6% | -21.7% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 06/30/2026 | 08/06/2026 | 10-Q |
| 03/31/2026 | 05/06/2026 | 10-Q |
| 12/31/2025 | 03/05/2026 | 10-K |
| 09/30/2025 | 11/04/2025 | 10-Q |
| 06/30/2025 | 08/07/2025 | 10-Q |
| 03/31/2025 | 05/08/2025 | 10-Q |
| 12/31/2024 | 03/13/2025 | 10-K |
| 09/30/2024 | 11/05/2024 | 10-Q |
| 06/30/2024 | 08/06/2024 | 10-Q |
| 03/31/2024 | 05/08/2024 | 10-Q |
| 12/31/2023 | 03/05/2024 | 10-K |
| 09/30/2023 | 11/03/2023 | 10-Q |
| 06/30/2023 | 08/03/2023 | 10-Q |
| 03/31/2023 | 05/04/2023 | 10-Q |
| 12/31/2022 | 03/07/2023 | 10-K |
| 09/30/2022 | 11/07/2022 | 10-Q |
| Report Date | Filing Date | Filing |
|---|---|---|
| 06/30/2026 | 08/06/2026 | 10-Q |
| 03/31/2026 | 05/06/2026 | 10-Q |
| 12/31/2025 | 03/05/2026 | 10-K |
| 09/30/2025 | 11/04/2025 | 10-Q |
| 06/30/2025 | 08/07/2025 | 10-Q |
| 03/31/2025 | 05/08/2025 | 10-Q |
| 12/31/2024 | 03/13/2025 | 10-K |
| 09/30/2024 | 11/05/2024 | 10-Q |
| 06/30/2024 | 08/06/2024 | 10-Q |
| 03/31/2024 | 05/08/2024 | 10-Q |
| 12/31/2023 | 03/05/2024 | 10-K |
| 09/30/2023 | 11/03/2023 | 10-Q |
| 06/30/2023 | 08/03/2023 | 10-Q |
| 03/31/2023 | 05/04/2023 | 10-Q |
| 12/31/2022 | 03/07/2023 | 10-K |
| 09/30/2022 | 11/07/2022 | 10-Q |
| 06/30/2022 | 08/04/2022 | 10-Q |
| 03/31/2022 | 05/04/2022 | 10-Q |
| 12/31/2021 | 03/02/2022 | 10-K |
| 09/30/2021 | 11/08/2021 | 10-Q |
| 06/30/2021 | 08/05/2021 | 10-Q |
| 03/31/2021 | 05/06/2021 | 10-Q |
| 12/31/2020 | 03/08/2021 | 10-K |
| 09/30/2020 | 11/06/2020 | 10-Q |
| 06/30/2020 | 08/06/2020 | 10-Q |
| 03/31/2020 | 05/11/2020 | 10-Q |
| 12/31/2019 | 03/10/2020 | 10-K |
| 09/30/2019 | 11/07/2019 | 10-Q |
Recent Forward Guidance
Updated 11/2/2026Latest: Q3 2026 Earnings Reported 10/26/2026
| Forward Guidance | Guidance Change | |||||||
|---|---|---|---|---|---|---|---|---|
| Metric | Source | Low | Mid | High | % Chg | % Delta | Change | Prior |
| Q4 2026 Quarterly Dividend | Reported | 0.12 | ||||||
| Q4 2026 Quarterly Dividend Growth | Reported | 14.0% | ||||||
| Q4 2026 Amortization of Intangible Assets | Reported | 56000 | ||||||
| Q4 2026 Remaining Share Repurchase Authorization | Reported | 0.41 Mil | ||||||
Prior: Q2 2026 Earnings Reported 7/27/2026
| Forward Guidance | Guidance Change | |||||||
|---|---|---|---|---|---|---|---|---|
| Metric | Source | Low | Mid | High | % Chg | % Delta | Change | Prior |
| Q3 2026 Contractual balance of maturing or repricing loans | Reported | 93.00 Mil | 102.2% | Higher New | Actual: 46.00 Mil for Q2 2026 | |||
| Q3 2026 Contractual balance of maturing or repricing securities | Reported | 7.00 Mil | 0 | Same New | Actual: 7.00 Mil for Q2 2026 | |||
| Q3 2026 Contractual balance of maturing certificate accounts | Reported | 134.00 Mil | 35.4% | Higher New | Actual: 99.00 Mil for Q2 2026 | |||
| Q3 2026 Contractual interest rate of maturing or repricing loans | Reported | 0.04 | -1.2% | Lower New | Actual: 0.05 for Q2 2026 | |||
| Q3 2026 Contractual interest rate of maturing or repricing securities | Reported | 0.03 | -0.1% | Lower New | Actual: 0.04 for Q2 2026 | |||
| Q3 2026 Contractual interest rate of maturing certificate accounts | Reported | 0.04 | -0.1% | Lower New | Actual: 0.04 for Q2 2026 | |||
Q1 2026 Earnings Reported 4/27/2026
| Forward Guidance | Guidance Change | |||||||
|---|---|---|---|---|---|---|---|---|
| Metric | Source | Low | Mid | High | % Chg | % Delta | Change | Prior |
| Q2 2026 Maturing or Repricing Loans Contractual Balance | Reported | 46.00 Mil | ||||||
| Q2 2026 Maturing or Repricing Securities Contractual Balance | Reported | 7.00 Mil | ||||||
| Q2 2026 Maturing Certificate Accounts Contractual Balance | Reported | 99.00 Mil | ||||||
| Q2 2026 Maturing or Repricing Loans Contractual Interest Rate | Reported | 0.05 | ||||||
| Q2 2026 Maturing or Repricing Securities Contractual Interest Rate | Reported | 0.04 | ||||||
| Q2 2026 Maturing Certificate Accounts Contractual Interest Rate | Reported | 0.04 | ||||||
Q4 2025 Earnings Reported 1/26/2026
| Forward Guidance | Guidance Change | |||||||
|---|---|---|---|---|---|---|---|---|
| Metric | Source | Low | Mid | High | % Chg | % Delta | Change | Prior |
| 2026 Effective Tax Rate | Reported | |||||||
Insider Activity
Updated 8/10/2026| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Felber, Francis E | Direct | Buy | 8102026 | 20.25 | 500 | 10,125 | 522,349 | Form | |
| 2 | Bianchi, Stephen M | CEO and President | IRA | Buy | 8102026 | 20.50 | 1,000 | 20,500 | 1,116,840 | Form |
| 3 | Felber, Francis E | Direct | Buy | 5182026 | 20.60 | 500 | 10,300 | 441,870 | Form | |
| 4 | Moll, James D | Direct | Sell | 5182026 | 20.58 | 2,000 | 41,168 | 688,794 | Form | |
| 5 | Moll, James D | Direct | Sell | 5152026 | 21.00 | 3,000 | 63,006 | 744,791 | Form |
| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Felber, Francis E | Direct | Buy | 8102026 | 20.25 | 500 | 10,125 | 522,349 | Form | |
| 2 | Bianchi, Stephen M | CEO and President | IRA | Buy | 8102026 | 20.50 | 1,000 | 20,500 | 1,116,840 | Form |
| 3 | Felber, Francis E | Direct | Buy | 5182026 | 20.60 | 500 | 10,300 | 441,870 | Form | |
| 4 | Moll, James D | Direct | Sell | 5182026 | 20.58 | 2,000 | 41,168 | 688,794 | Form | |
| 5 | Moll, James D | Direct | Sell | 5152026 | 21.00 | 3,000 | 63,006 | 744,791 | Form | |
| 6 | Skarvan, Kathleen | PK Skarvan Trust | Buy | 5112026 | 21.16 | 750 | 15,869 | 43,374 | Form | |
| 7 | Conner, Michael R | Direct | Buy | 5042026 | 20.95 | 1,100 | 23,044 | 334,891 | Form | |
| 8 | Conner, Michael R | Direct | Buy | 8072025 | 15.03 | 1,600 | 24,048 | 223,737 | Form | |
| 9 | Olson, Timothy L | Direct | Buy | 8052025 | 14.99 | 1,471 | 22,050 | 385,003 | Form | |
| 10 | Skarvan, Kathleen | PK Skarvan Trust | Buy | 8012025 | 14.74 | 1,000 | 14,740 | 19,162 | Form | |
| 11 | Felber, Francis E | Direct | Buy | 7312025 | 14.80 | 3,000 | 44,400 | 295,260 | Form |
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