Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
Citizens Community Bancorp Inc/WI (CZWI)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$23.74-2.70%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
2.17 → 2.27 EPS · FY ending Dec 31, 2027 · 1 analyst
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 2 to 1; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for CZWI yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
Three published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Maintain quarterly dividend at $0.105 per share | Citizens Community Bancorp keeps paying a steady dividend of $0.105 per share. | Intact | quarterly dividend falls below $0.105 per share | Dividend per share: $0.10 per share FY2026-Q3; GAAP. Published target: >= $0.105 per share quarterly. Target period is not explicitly aligned with this observation. Aug 6, 20260.105 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
This is a small-bank financials investment with a mixed, execution-sensitive profile rather than a clear durable growth story. The long-term thesis is on watch, with medium confidence and recent performance well below its industry cohort.
The evidence labels valuation stretched and expensive, despite also describing CZWI as cheap versus peers, so the valuation picture is mixed. The expectations gap is small, and the low fragility rating suggests the setup is not broadly fragile, but the valuation increase adds pressure on execution.
Near term, loan growth and the sharply lower credit-loss provision are constructive, but deposits fell and criticized loans rose, leaving asset-quality progress limited. The company completed an acquisition and raised its dividend, while recent results remain weak relative to the industry and earnings surprises have been erratic.
Over the next one to three years, the thesis hinges on resolving criticized loans while sustaining loan and deposit growth. Sector conditions also matter: rate cuts could weigh on Financials, while continued strong results from sector bellwethers could support the sector backdrop; misses or lower guidance would weaken it.
The multi-year view is mixed: execution has some positive signs, but weak relative performance, credit concerns, and stretched valuation keep the thesis on watch. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| A supporting condition in Citizens Community Bancorp Inc/WI's published investment case. The stated target is EPS >= $1.82 in FY26 and >= $2.21 in FY27. |
| Broken |
| EPS falls below $1.82 in FY26 or below $2.21 in FY27 |
Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Maintain stable operating income near $4.63 million per quarter | Operating income remains stable around $4.63 million per quarter. | Intact | operating income falls below $4.6 million per quarter | Operating income: $1.237M FY2026-Q3; GAAP. Published target: >= $4.6 million per quarter. Target period is not explicitly aligned with this observation. Aug 6, 20261,237,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$2.21 → $2.27 · observed estimates
$0.07B → $0.07B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $2.21 | $74,100,000 | 2 / 1 |
| 2026-07-25 | $2.21 | $74,100,000 | 2 / 1 |
| 2026-07-26 | $2.21 | $74,100,000 | 2 / 1 |
| 2026-07-27 | $2.21 | $74,100,000 | 2 / 1 |
| 2026-07-28 | $2.21 | $74,100,000 | 2 / 1 |
| 2026-07-29 | $2.19 | $73,800,000 | 2 / 1 |
| 2026-07-30 | $2.19 | $73,800,000 | 2 / 1 |
| 2026-07-31 | $2.19 | $73,800,000 | 2 / 1 |
| 2026-08-01 | $2.19 | $73,800,000 | 2 / 1 |
| 2026-08-02 | $2.19 | $73,800,000 | 2 / 1 |
| 2026-08-03 | $2.19 | $73,800,000 | 2 / 1 |
| 2026-08-04 | $2.19 | $73,800,000 | 2 / 1 |
| 2026-08-05 | $2.19 | $73,800,000 | 2 / 1 |
| 2026-08-06 | $2.19 | $73,800,000 | 2 / 1 |
| 2026-08-07 | $2.19 | $73,800,000 | 2 / 1 |
| 2026-08-08 | $2.19 | $73,800,000 | 2 / 1 |
| 2026-08-09 | $2.19 | $73,800,000 | 2 / 1 |
| 2026-08-10 | $2.19 | $73,800,000 | 2 / 1 |
| 2026-08-11 | $2.19 | $73,800,000 | 2 / 1 |
| 2026-08-12 | $2.19 | $73,800,000 | 2 / 1 |
| 2026-08-13 | $2.19 | $73,800,000 | 2 / 1 |
| 2026-08-14 | $2.19 | $73,800,000 | 2 / 1 |
| 2026-08-15 | $2.19 | $73,800,000 | 2 / 1 |
| 2026-08-16 | $2.19 | $73,800,000 | 2 / 1 |
| 2026-08-17 | $2.19 | $73,800,000 | 2 / 1 |
| 2026-08-18 | $2.19 | $73,800,000 | 2 / 1 |
| 2026-08-19 | $2.19 | $73,800,000 | 2 / 1 |
| 2026-08-20 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-08-21 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-08-22 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-08-23 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-08-24 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-08-25 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-08-26 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-08-27 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-08-28 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-08-29 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-08-30 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-08-31 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-09-01 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-09-02 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-09-03 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-09-04 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-09-05 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-09-06 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-09-07 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-09-08 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-09-09 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-09-10 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-09-11 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-09-12 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-09-13 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-09-14 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-09-15 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-09-16 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-09-17 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-09-18 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-09-19 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-09-20 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-09-21 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-09-22 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-09-23 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-09-24 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-09-25 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-09-26 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-09-27 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-09-28 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-09-29 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-09-30 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-10-01 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-10-02 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-10-03 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-10-04 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-10-05 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-10-06 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-10-07 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-10-08 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-10-09 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-10-10 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-10-11 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-10-12 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-10-13 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-10-14 | $2.17 | $73,800,000 | 2 / 1 |
| 2026-10-15 | $2.17 | $73,800,000 | 1 / 1 |
| 2026-10-16 | $2.17 | $73,800,000 | 1 / 1 |
| 2026-10-17 | $2.17 | $73,800,000 | 1 / 1 |
| 2026-10-18 | $2.17 | $73,800,000 | 1 / 1 |
| 2026-10-19 | $2.17 | $73,800,000 | 1 / 1 |
| 2026-10-20 | $2.17 | $73,800,000 | 1 / 1 |
| 2026-10-21 | $2.17 | $73,800,000 | 1 / 1 |
| 2026-10-22 | $2.17 | $73,800,000 | 1 / 1 |
| 2026-10-23 | $2.17 | $73,800,000 | 1 / 1 |
| 2026-10-24 | $2.17 | $73,800,000 | 1 / 1 |
| 2026-10-25 | $2.17 | $73,800,000 | 1 / 1 |
| 2026-10-26 | $2.17 | $73,800,000 | 1 / 1 |
| 2026-10-27 | $2.17 | $73,800,000 | 1 / 1 |
| 2026-10-28 | $2.23 | $74,200,000 | 1 / 1 |
| 2026-10-29 | $2.23 | $74,200,000 | 1 / 1 |
| 2026-10-30 | $2.27 | $74,200,000 | 1 / 1 |
| 2026-10-31 | $2.27 | $74,200,000 | 1 / 1 |
| 2026-11-01 | $2.27 | $74,200,000 | 1 / 1 |
| 2026-11-02 | $2.27 | $74,200,000 | 1 / 1 |
| 2026-11-03 | $2.27 | $74,200,000 | 1 / 1 |
| 2026-11-04 | $2.27 | $74,200,000 | 1 / 1 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 0 Buy / Strong Buy · 2 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 0 recorded
Individual price-target observations are unavailable.
0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
3 of 3 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.