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Stock Ratings / Financials / CZWI / earnings
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Citizens Community Bancorp Inc. (CZWI) Next Earnings Date & Expected ±4.8% Move

$23.60 +0.73% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $23.59

Citizens Community Bancorp Inc. (CZWI) carries a Roarable Rating of C (Hold) with 62/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $226.1M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CZWI Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CZWI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Citizens Community Bancorp Inc. (NASDAQ: CZWI) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $23.60 (+0.73% 1D, market cap $226.1M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, CZWI ranks #347 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CZWI compare to FCAP and FNWD in the Financials sector?
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Within the Financials sector (Savings Institutions), CZWI carries a Roarable C (62/100 RQD), trailing P/E of 15.8x, gross margin of —, and ROIC of 7.7%. By comparison, FCAP (First Capital Inc.) holds a C grade (65/100 RQD, P/E 13.0x, ROIC 11.9%, cap $209.4M) and FNWD (Finward Bancorp) posts a C grade (65/100 RQD, P/E 23.5x, ROIC 4.6%, cap $187.7M). Among the 5-stock peer group, FCAP leads on earnings multiple (13.0x) while FCAP leads on capital efficiency (11.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CZWI?
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Per CZWI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001367859), Citizens Community Bancorp Inc. generated $748.3M in revenue (+1.9% YoY), $14.4M in net income, and $10.4M in free cash flow against $1.78B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $23.59 (-0.06%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 9/20 (D) • 1.4% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 62/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.7% avg 90D alpha vs SPY • 54.3% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510062
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C-
Cash (9)Whales (14)SEC (13)Macro (11)CEO (15)
Each axis scored 0–20
12M PRICE TARGET CONE+1.8% Base Target
$28 Bull$24 Base$19 Bear
📬 FREE CZWI RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CZWI)Realized 20D OHLCV Swing Band: ±4.8%
Deterministic 5-Pillar Attribution (62/100 Composite)
🔍 WHY CZWI SCORES 62/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)

▲ #2 Bullish Driver: Whale & Options Positioning+14/20 pts (23% of score)

20D Institutional Volume Accumulation (±4.8% realized swing band)

▼ #1 Drag / Risk Factor: Cash Engine Quality9/20 pts (-11 pt drag)

Capital intensity & 0% operating margin leave 11 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
54
Grade C-$21.23+0% Next Q
Q2 (-2Q)
57
Grade C$21.23+11.8% Next Q
Q3 (-1Q)
59
Grade C$23.73-0.5% Next Q
Current
62
Grade C$23.60+0.7% Hist 90D α
Trajectory: C- (54) → C (62)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CZWI Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 62/100 (C) score, CZWI faces multiple-compression risk if 15.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($21.66) or 200D SMA ($20.74) invalidates the momentum regime and cuts Target Base ($24.02) toward Bear Floor ($18.74).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CZWI• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “CZWI Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 62%NO 38%Trade / Inspect Odds →
NEXT EST. WINDOW: Dec 30, 2026 (~56 DAYS)

Historical OHLCV Volatility ±4.8% Swing Band

±$1.13 Expected Swing
$22.47 (-4.8%)Spot $23.60$24.73 (+4.8%)
MODEL EARNINGS SETUP GAUGE

CZWI Quantitative Pre-Earnings Setup: 62/100

Trailing EPS: $1.49 • YoY Revenue Growth: 12.4%

Model Bullish Setup (62/100)Model Risk Weight (38/100)
Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).
LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

PeriodFiledRevenueNet ProfitFree Cash FlowGross Margin
FY 20252025-12-31$748.3M$14.4M$10.4M52%
FY 20242024-12-31$734.4M$13.8M$19.5M52%
FY 20232023-12-31$58.8M$13.1M$13.1M52%
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating CZWI & AI Leaders Without Chasing Tops

  • ✓Institutional whale strikes & implied earnings move audit on CZWI
  • ✓How disciplined traders manage risk using pre-published trigger & invalidation levels
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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CZWI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +13.14%📐 HORIZONTAL RANGE
2026-11-03O $23.67H $23.67L $23.43C $23.60VOL 45.9K
RES: $24.24SUP: $18.32SMA50: $21.66SMA200: $20.74
$24.92$22.90$20.88$18.85$16.83RES $24.24SUP $18.32$23.602026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CZWI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CZWI Butterfly Map → + Track CZWI →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.3%/yr Implied 5Y Growth

vs. +1.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on CZWI today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CZWI. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for CZWI today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CZWI)

Financials Rank #347 of 1097 ⚔️ FCAP vs CZWI Full Matrix →

1. Head-to-Head Financials Peer Comparison (CZWI vs. FCAP, FNWD, BCBP, BVFL)

Industry: Savings Institutions (33 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Citizens Community Bancorp Inc. (CZWI) ranks #347 by composite RQD confidence (62/100, grade C) and #863 by equity capitalization ($226.1M). Within this direct 5-issuer industry benchmark cohort, FCAP leads on earnings valuation at 13.0x trailing P/E, while FCAP leads on capital efficiency and profitability with 11.9% ROIC and — gross margin. BVFL currently holds the highest overall quantitative score in the immediate peer group at 67/100 (C+) compared with CZWI at 62/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
CZWI ACTIVE
Citizens Community Bancorp Inc.
C 62/100 15.8x — 7.7% +0.73% $226.1M Benchmark Subject
FCAP
First Capital Inc.
C 65/100 13.0x — 11.9% +2.48% $209.4M /fcap-vs-czwi →
FNWD
Finward Bancorp
C 65/100 23.5x — 4.6% +2.56% $187.7M /fnwd-vs-czwi →
BCBP
BCB Bancorp Inc. (NJ)
D 49/100 — — -4.1% +0.79% $272.5M /bcbp-vs-czwi →
BVFL
BV Financial Inc.
C+ 67/100 14.0x — 7.3% +0.78% $185.5M /bvfl-vs-czwi →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001367859 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Citizens Community Bancorp Inc. (CZWI) reported GAAP revenue of $748.3M (+1.9% vs. FY2024 revenue of $734.4M , and +1173.4% cumulative change since FY2023) , GAAP net income of $14.4M, operating cash flow of $11.7M, and free cash flow of $10.4M (-46.8% YoY). On the balance sheet, CZWI closed FY2025 with $1.78B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $748.3M $14.4M $11.7M $10.4M $1.78B —
FY2024 (FY) 2024-12-31 $734.4M $13.8M $20.4M $19.5M $1.75B —
FY2023 (FY) 2023-12-31 $58.8M $13.1M $13.1M $13.1M — —

3. CZWI Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CZWI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Citizens Community Bancorp Inc. (NASDAQ: CZWI) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $23.60 (+0.73% 1D, market cap $226.1M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, CZWI ranks #347 in composite RQD confidence.

How does CZWI compare to FCAP and FNWD in the Financials sector?

Within the Financials sector (Savings Institutions), CZWI carries a Roarable C (62/100 RQD), trailing P/E of 15.8x, gross margin of —, and ROIC of 7.7%. By comparison, FCAP (First Capital Inc.) holds a C grade (65/100 RQD, P/E 13.0x, ROIC 11.9%, cap $209.4M) and FNWD (Finward Bancorp) posts a C grade (65/100 RQD, P/E 23.5x, ROIC 4.6%, cap $187.7M). Among the 5-stock peer group, FCAP leads on earnings multiple (13.0x) while FCAP leads on capital efficiency (11.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CZWI?

Per CZWI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001367859), Citizens Community Bancorp Inc. generated $748.3M in revenue (+1.9% YoY), $14.4M in net income, and $10.4M in free cash flow against $1.78B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CZWI trading relative to its 50-day, 200-day, and 52-week technical levels?

CZWI last traded at $23.60 (+0.73% on volume of 42,585 shares), positioning the stock +8.96% above its 50-day simple moving average ($21.66) and +13.79% above its 200-day simple moving average ($20.74). Across its 52-week range of $15.70 to $24.43, CZWI sits at the 90.5% percentile with a 14-day RSI of 68.5 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.8% ($22.47 to $24.73).

Direct Sub-Reports: CZWI RQD Cockpit CZWI 12M Forecast CZWI Earnings & Move CZWI Dividends & DRIP CZWI Insiders & 13F CZWI Whale Options CZWI Profit Sankey CZWI News & Why
ROARABLE RATING BRIEF • RQD 62/100 (C) ✓ SEC XBRL & RQD VERIFIED

CZWI — Citizens Community Bancorp Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Citizens Community Bancorp Inc. (CZWI) earns a live Roarable RQD composite score of 62/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $23.60 (+0.73% 1D, market capitalization $226.1M).

  • Fundamental Cash Engine (9/20): Anchored by return on invested capital (ROIC) of 7.7%, gross margin of —, operating margin of —, and free cash flow yield of 4.55%.
  • Whale 13F & Options Flow (14/20) + Insider Conviction (15/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (11/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Citizens Community Bancorp Inc. Is a NASDAQ-listed issuer in the Financials sector, operating in the Savings Institutions industry. The company's market capitalization is $0.2B per the same source. Specific product lines, customer segments, and revenue-generation mechanics are not detailed in the source data.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Citizens Community Bancorp Inc. (CZWI) reported $748.3M in annual revenue (up from $734.4M in FY2024, +1.9% YoY) and $14.4M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($58.8M revenue, $13.1M net income) through FY2025, CZWI scaled operating cash flow to $11.7M and free cash flow to $10.4M, backed by $1.78B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C • RQD 62/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 4.55% and institutional whale pillar of 14/20. With Fundamental Cash Engine at 9/20 and Institutional Whale Flow at 14/20, sustained execution supports upside toward the upper end of the $15.70 – $24.43 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 15.8x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Savings Institutions (Financials), CZWI carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can CZWI sustain or expand its — operating margin and 7.7% ROIC against Savings Institutions peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $748.3M and free cash flow of $10.4M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is CZWI's 14.7x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

CZWI Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Citizens Community Bancorp Inc. (CZWI) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to CZWI Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CZWI Bull vs. Bear Conversation Board — What's Your Call at $23.60?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CZWI 🐻 33% BEARISH CONVICTION
1. Pick Your Side on CZWI:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
AL AlphaFlow_Cap RQD DEBATE OPENER • Verified $100K Arena Trader 🐂 BULLISH 🎯 Target: $29.29 (+25.0%)
📌 Pinned Debate

The RQD insider conviction pillar scores 15 of 20 and net income rose from $13.1M in FY 2023 to $14.4M in FY 2025, with the board appro

Don't sleep on CZWI's setup in Financials. The RQD insider conviction pillar scores 15 of 20 and net income rose from $13.1M in FY 2023 to $14.4M in FY 2025, with the board approving a 14% dividend increase.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (62/100) backs up the fundamental quality.

RetailWhale_TX 🐂 BULL

@BearTrap_Alert Shorting a 14/20 institutional whale-flow stock at $23.43 is dangerous when funds are rotating into Financials.

BE BearTrap_Alert RQD DEBATE OPENER • Cycle Peak Watcher 🐻 BEARISH 🎯 Target: $19.68 (-16.0%)
Spot @ $23.43

ROIC of 7.7% and FCF yield of 4.55% drive the fundamental cash engine pillar to 9 of 20, while free cash flow fell from $19.5M in FY 20

I respect the product at Citizens Community Bancorp Inc., but the stock at $23.43 is a different story. ROIC of 7.7% and FCF yield of 4.55% drive the fundamental cash engine pillar to 9 of 20, while free cash flow fell from $19.5M in FY 2024 to $10.4M in FY 2025.. FCF yield is 4.55% and RQD sits at 62/100 (C) — why pay up here when you can wait for next quarter's numbers?

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