Citizens Community Bancorp (CZWI)
Runs CCFBank branches serving Wisconsin and Minnesota communities.
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Operates CCFBank, a community bank serving Wisconsin and Minnesota through 21 branches. Revenue comes from deposits, lending, and related banking services, with one reportable segment and a loan book weighted toward commercial and agricultural real estate.
Operates through Citizens Community Federal N.A., a community bank serving Wisconsin and Minnesota through 21 full-service branches. Primary markets include Wisconsin's Chippewa Valley, Minnesota's Twin Cities and Mankato areas, and nearby rural communities.
Generates revenue from deposit accounts, commercial and agricultural lending, residential mortgages, consumer loans, and related banking services. Commercial/agricultural real estate makes up most of the loan book, while mortgage and government-guaranteed lending have been recent bright spots in management commentary.
Executes as a local relationship bank shaped by conversions and in-market acquisitions. The business depends on gathering deposits and originating loans in competitive Upper Midwest markets where rates, service, technology, branch convenience, and responsiveness influence customer decisions.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Aug 7, 2026 | Citigroup | Downgrade | Rating: — | |
| Jul 10, 2026 | Hovde Group | Downgrade | Target: — | Target: $24 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $121.8M · Total debt $51.9M · Total assets $1.81B · Shareholders' equity $191.3M
- Revenue
- $22.0M
- Operating income
- −$1.4M
- Net income
- $1.1M
HistoryDividendAnnual yield
| Institutions | 59.30% | 5.72M shares | |
|---|---|---|---|
| 96 holders · as of Jun 30, 2026 | |||
| Insiders | 6.91% | 666.7K shares | |
| 10 holders · as of Aug 10, 2026 | |||
| Strategic holders | 7.16% | 691.4K shares | |
| 1 holder · as of Feb 10, 2026 | |||
| Other | 26.63% | 2.57M shares | |
| remainder | |||
9.65M company shares as of Sep 23, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Wellington Management Group LLPStrategic | 7.16% | 691,414 | filed Feb 10, 2026 |
BlackRock, Inc.Institution | 6.56% | 632,627 | as of Jun 30, 2026 |
Manufacturers Life Insurance Company, theInstitution | 4.98% | 480,842 | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 4.28% | 413,376 | as of Jun 30, 2026 |
Dimensional Fund Advisors LPInstitution | 3.90% | 376,262 | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 10, 2026 | Francis E. Felber | director | +500 | $20.25 |
| Aug 10, 2026 | Stephen M. Bianchi | director, officer: CEO and President | +1,000 | $20.50 |
| May 18, 2026 | Francis E. Felber | director | +500 | $20.60 |
| May 18, 2026 | James D. Moll | director | −2,000 | $20.58 |
| May 14, 2026 | James D. Moll | director | −3,000 | $21.00 |
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CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Citizens Community Bancorp | $21.85 | +1.20% | $206.2M | 16.3 | 11.0 | 2.4 | −0.2% |
| Nicolet Bankshares | $165.65 | −0.08% | $2.86B | 18.4 | 12.9 | 5.5 | +227.9% |
| Associated Banc-Corp | $29.03 | +0.05% | $5.54B | 10.3 | 9.2 | 2.2 | +22.7% |
| Old National Bancorp | $25.03 | +0.02% | $9.66B | 11.1 | 9.2 | 2.4 | +12.3% |
| Bridgewater Bancshares | $20.83 | −0.10% | $583.3M | 11.4 | 10.6 | 2.3 | +14.5% |
| Bank First | $150.83 | −0.18% | $1.70B | 19.7 | 14.0 | 5.8 | +60.0% |
| Alerus Financial | $32.20 | −0.19% | $815.2M | 30.0 | 12.0 | 2.4 | +8.3% |
| Waterstone Financial | $20.80 | +0.29% | $373.5M | 12.0 | 8.8 | 2.3 | −80.4% |
| Median | 12.0 | 10.6 | 2.4 | +14.5% |