Citizens Community Bancorp Inc/WI (CZWI)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$24.40+2.65%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · CZWI
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 0.4% |
| Our one-year growth estimate | diamond | -13.6% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 13.9 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
CZWI — dividend update
Dated 2026-10-26
Other Events. On October 22, 2026, the Board of Directors declared a quarterly cash dividend of $0.12 per share to shareholders of record as of November 6, 2026, payable on November 20, 2026.
Why it matters: The acquisition closed on October 26. The supplied results give no figures for the deal. Later reports can show if it adds loans, deposits, or costs.
Watch forA later company report names the acquired business and lists added loans or deposits. It also shows added income above added costs.
Also watch forA later company report shows added costs above added income, or a loss tied to the deal.
Why it matters: The company repurchased 70,000 shares in Q3 under a new plan. Later reports can show how many shares it buys and how much of the plan remains.
Supportive ifA later filing reports more shares repurchased under the 482,500-share plan, which runs through September 1, 2027.
Worry ifA later filing reports no further repurchases, or says the plan was paused or ended.
Why it matters: Criticized loans rose to $61.2 million by September, despite a much smaller loan-loss provision. A lower balance would show that workout efforts are making progress.
Worry ifCriticized loans stay at or above $61.2 million, or rise, in the next reported quarter.
Less concerning ifCriticized loans fall below $61.2 million in the next reported quarter.
Why it matters: The board raised the quarterly dividend from $0.105 to $0.12 per share. Payment on the stated date would confirm the announced increase took effect.
Supportive ifThe company pays $0.12 per share on November 20 to holders of record on November 6.
Worry ifThe company reports a delay, cut, or cancellation of the $0.12 payment.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$71 on $10,000 · ±0.7% | How much price usually moves either way. |
| Bad day | $224 loss on $10,000 · 2.2% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,495 loss on $10,000 · 14.9% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Special mention loans fell, but substandard loans rose as two relationships changed grades. A lower total across both groups would give a clearer sign of progress.
Worry ifSpecial mention and substandard loans fall below their September total of $61.3 million.
Less concerning ifTheir combined balance stays at or above $61.3 million, or rises, in the next report.