Citizens Community Bancorp Inc/WI (CZWI)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$22.07+1.10%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
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 dropped from the top half to the bottom half of its industry over the past month — the reason to own it has weakened.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -2.1% |
| Our one-year growth estimate | diamond | -12.3% |
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.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
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 10.2 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Worth watching into the next print: this name is a smaller-cap name (higher miss base rate) and has been missing across recent quarters. A fundamental tilt, not a price call.
Model as of 2026-09-04 · Compared with 219 industry peers
CZWI — earnings miss
Dated 2026-07-27
Results of Operations and Financial Condition . On July 27, 2026, Citizens Community Bancorp, Inc. (the “Company”) issued a press release announcing our financial results for the three and six months ended June 30, 2026, and posted its Earnings Release Supplement and Earnings Release Presentation to its website. A copy of the press release is attached as Exhibit 99.1 to this Current Report on Form 8-K, a copy of the Earnings Release Supplement is attached hereto as Exhibit 99.2 and a copy of…
Why it matters: A big drop in non-interest income may mean weak loan sales. This can hurt overall revenue.
Worry ifNon-interest income in Q3 declines more than 10% compared to Q2.
Less concerning ifNon-interest income in Q3 stays flat or increases.
Why it matters: A drop in revenue growth shows a weak trend in finance. This may hurt investor trust in Citizens Community Bancorp.
Worry ifRevenue growth is below its average of about 15%.
Less concerning ifRevenue growth stays at or above its median of approximately 15%.
Why it matters: Another earnings miss would show problems with credit quality and making money.
Worry ifQ3 earnings per share below $0.11 shows ongoing financial stress.
Less concerning ifQ3 earnings per share at or above $0.11 shows better performance.
Why it matters: The buyback could signal management's confidence in the stock and support share price.
Supportive ifShare price goes up after the buyback program is announced.
Worry ifShare price declines or remains flat despite the buyback announcement.
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 | ±$91 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $233 loss on $10,000 · 2.3% | 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: Stable or falling loan growth shows trouble in getting new business and making money.
Worry ifLoan growth remains below 1.8% in Q3, indicating a slowdown.
Less concerning ifLoan growth exceeds 1.8% in Q3, showing strong demand and effective management.
Why it matters: A better net interest margin means more profit from lending.
Supportive ifNet interest margin is above 3.18% in the upcoming earnings report.
Worry ifNet interest margin falls below 3.18% in the next earnings report.
Why it matters: Keeping the dividend shows the company is stable. It shows they care about shareholders.
Supportive ifBoard declares a quarterly dividend of $0.105 per share.
Worry ifDividend reduced below $0.105 per share.
Why it matters: An acquisition could increase growth and market position in a tough market.
Supportive ifAnnouncement of a completed acquisition that fits the growth plan.
Worry ifThere is no news about acquisitions. There are also no delays in planned deals.
Why it matters: Keeping the dividend shows confidence in cash flow. It also shows stability during tough earnings.
Supportive ifBoard confirms quarterly dividend of $0.105 per share for Q3.
Worry ifDividend cut below $0.105 per share shows financial strain.
Why it matters: Completing the acquisition is key for growth. It could strengthen the company's market position.
Supportive ifThe company shares a completion date. It also shows big progress on the acquisition.
Worry ifThe acquisition is delayed or canceled. No new updates are given.
Why it matters: Stable income shows good money management. A drop might mean problems.
Worry ifOperating income for Q2 2026 stays at or above $4.632 million.
Less concerning ifOperating income falls below $4.632 million in Q2 2026.
Why it matters: A high provision shows worse credit quality. This could hurt future earnings.
Worry ifQ3 provision for credit losses was over $4 million.
Less concerning ifProvision for credit losses was under $3 million.
Why it matters: Stable loan growth is important for revenue. Changes may show underlying problems.
Watch forLoan portfolio growth of at least 1.8% in Q3, indicating steady demand.
Also watch forLoan portfolio growth below 1.8% suggests weakening demand for loans.
Why it matters: Completing the acquisition could boost growth and market position. It is key for future expansion.
Supportive ifThe company says it has finished the acquisition.
Worry ifThe company delays or cancels the acquisition plans.
Why it matters: A cut shows financial trouble. This can hurt investor confidence.
Worry ifAnnouncement of a dividend cut before the August 21 payment date.
Less concerning ifConfirmation of the dividend payment at $0.105 per share on August 21, 2026.
Why it matters: More nonperforming assets mean credit quality issues. This can lead to losses.
Worry ifNonperforming assets increase beyond $32.4 million in Q3.
Less concerning ifNonperforming assets fall or stay below $32.4 million in Q3.