CZWI at a glance
Citizens Community Bancorp Inc. (CZWI, SEC CIK 1367859) filed its latest 10-K annual report on March 5, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on September 2, 2026 and Form 4 insider filings as recently as August 10, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), Citizens Community Bancorp Inc. (CZWI) reported revenue of $87.6 million (down 2.2% from FY2024) and net income of $14.4 million. Diluted EPS was $1.46.
- As of June 30, 2026, 22 institutional investment managers tracked by SignalX reported holding Citizens Community Bancorp Inc. (CZWI) shares worth $52.2 million in 13F-HR filings.
- The most recent insider open-market purchase reported on Form 4 was by FELBER FRANCIS E on August 10, 2026 of 500 shares at $20.25 per share.
- In the last 90 days, CZWI insiders reported 2 open-market purchases ($31K) and 0 open-market sales ($0) on Form 4, a net purchase of $31K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $87.6M
- −2.2% vs prior year
- Insiders · 90 days
- 2 buys · 0 sells
- Net +$31K
- 13F holders
- 22 funds
- $52.2M · +2 vs prior quarter
- Latest 8-K
- Sep 2, 2026
- Item 8.01
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Quarterly revenue not disclosed; net interest income $13.5M vs $13.3M YoY
- Net interest margin 3.22% vs 3.27% YoY; net income $1.1M vs $3.3M
- Worst-performing line: gain on loan sales $442K vs $699K, down 36.77% YoY
- Credit-loss provision $4.325M vs $1.350M YoY, including $1.4M charge-offs
- Management cited higher nonaccrual loans, lending risk, interest-rate risk, and economic uncertainty as headwinds
Risk Factors
- Newly added shareholder-activism risk triggered by a June 4, 2026 Schedule 13D reporting 9.1% ownership
- Most material update: July 27, 2026 board-seat request from activist stockholders led by Andrew Schornack
- Governance risk: potential proxy contest could increase costs and divert management attention
- Near-term market risk: adversarial action could materially harm stock price and value-maximizing transactions
- Capital-allocation risk: repurchase authorization expired July 23, 2026 after 881 shares repurchased at $20.63 each
AI summary of the CZWI 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 8.01: Other Events
- New authorization permits repurchases of up to 482,500 shares through September 1, 2027
- Replaces July 2025 authorization, which had 112,867 shares remaining at expiration
Item 8.01: Other Events
- Activist investor Andrew Schornack and affiliated Reporting Persons requested a Board seat after July 27 investor meetings
- Board has no vacancies following election of three Class II directors to terms ending in 2029
Item 2.02: Results of Operations and Financial Condition
- Q2 2026 results cover three and six months ended June 30, 2026
- Earnings release issued July 27, 2026
Item 8.01: Other Events
- Quarterly cash dividend of $0.105 per share declared
- August 7, 2026 record date and August 21, 2026 payment date
Item EX-99.1: Item EX-99.1
- Second-quarter 2026 supplement provides investors detailed credit, liquidity, deposit, portfolio, and capital-risk disclosures
- Deposits $1.55B, with 80% insured or collateralized; liquidity $781M supports funding resilience
AI summaries of CZWI 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for CZWI
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- Fund moves. Which tracked funds opened, added or cut CZWI, by share count.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| FELBER FRANCIS E | Buy | Aug 10, 2026 | 500 | $20.25 |
| Bianchi Stephen M | Buy | Aug 10, 2026 | 1,000 | $20.50 |
| Bianchi Stephen M | M | Jun 2, 2026 | 5,000 | $11.00 |
| Bianchi Stephen M | M | Jun 2, 2026 | 5,000 | $11.00 |
| BROUCEK JAMES S | M | Jun 1, 2026 | 2,000 | $13.60 |
| BROUCEK JAMES S | M | Jun 1, 2026 | 2,000 | $13.60 |
| FELBER FRANCIS E | Buy | May 18, 2026 | 500 | $20.60 |
| MOLL JAMES D | Sell | May 18, 2026 | 1,000 | $20.50 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $84.2M | $89.6M | $87.6M |
| Net Income | $13.1M | $13.8M | $14.4M |
| Net Margin | 15.5% | 15.3% | 16.5% |
| Balance Sheet | |||
| Total Assets | $1.9B | $1.7B | $1.8B |
| Equity | $173.3M | $179.1M | $187.9M |
| ROE | 7.5% | 7.7% | 7.7% |
| Per Share | |||
| EPS | - | $1.34 | $1.46 |
| Cash Flow | |||
| Operating CF | $13.1M | $20.2M | $11.7M |
| CapEx | $1.4M | $889K | $1.3M |
Source: XBRL data in Citizens Community Bancorp Inc. (CZWI)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate CZWI share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 22 | $52.2M |
| Q1 2026 | 20 | $37.9M |
| Q4 2025 | 21 | $34.0M |
| Q3 2025 | 18 | $28.3M |
| Q2 2025 | 16 | $23.1M |
| Q1 2025 | 11 | $16.0M |
| Q4 2024 | 8 | $16.6M |
| Q3 2024 | 5 | $5.2M |
- BlackRock+124.7K (+25%)
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- Dimensional Fund Advisors+29.5K (+9%)
- AQR Capital Management+10.0K (+44%)
- Vanguard Capital Management LLC−47.8K (-10%)
- Goldman Sachs Group−14.2K (-28%)
- Northern Trust−9.9K (-12%)
- Morgan Stanley−1.6K (-4%)
- Bank of America Corp−1.5K (-11%)
- Citadel Advisors LLC+44.9K
- Millennium Management+15.7K
Source: 13F-HR filings on SEC EDGAR (aggregated from 121 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
CZWI filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 8-K | Sep 2, 2026 | - | Analysis | - |
| 4 | Aug 10, 2026 | - | - | - |
| 4 | Aug 10, 2026 | - | - | - |
| 10-Q | Aug 6, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jul 31, 2026 | - | Analysis | - |
| SC 13G | Jul 27, 2026 | - | - | |
| 8-K | Jul 27, 2026 | - | Analysis | - |
| 8-K | Jun 17, 2026 | - | Analysis | - |
| 4 | Jun 10, 2026 | - | - | |
| SC 13D | Jun 4, 2026 | - | - | |
| 4 | Jun 2, 2026 | - | - | |
| 4 | Jun 2, 2026 | - | - | |
| 4 | May 18, 2026 | - | - | |
| 4 | May 18, 2026 | - | - | |
| SC 13G | May 15, 2026 | - | - | |
| 4 | May 15, 2026 | - | - | |
| 4 | May 11, 2026 | - | - | |
| 10-Q | May 6, 2026 | Mar 31, 2026 | Analysis | |
| 4 | May 5, 2026 | - | - | - |
| 4 | May 5, 2026 | - | - | - |
| 4 | May 4, 2026 | - | - | - |
| SC 13G | Apr 29, 2026 | - | - | |
| 8-K | Apr 27, 2026 | - | Analysis | - |
| 4 | Apr 20, 2026 | - | - | - |
| 8-K | Apr 16, 2026 | - | Analysis | - |
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CZWI SEC filings: frequently asked questions
Are CZWI insiders buying or selling?
In the last 90 days, Citizens Community Bancorp Inc. (CZWI) officers, directors and 10% owners reported 2 open-market purchases worth $30,625 by 2 insiders and no open-market sales on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold CZWI stock?
As of June 30, 2026, the largest Citizens Community Bancorp Inc. (CZWI) holders among the 13F filers tracked by SignalX were BlackRock ($14.8 million), Vanguard Capital Management LLC ($9.7 million), Dimensional Fund Advisors ($8.8 million), Two Sigma Investments ($3.7 million), State Street Corp ($3.1 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was CZWI's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), Citizens Community Bancorp Inc. (CZWI) reported revenue of $87.6 million (down 2.2% from FY2024) and net income of $14.4 million. Diluted EPS was $1.46. The figures come from the XBRL data in the 10-K.
What did CZWI report in its latest 8-K?
Citizens Community Bancorp Inc. (CZWI) filed an 8-K on September 2, 2026 reporting Item 8.01 (Other Events). New authorization permits repurchases of up to 482,500 shares through September 1, 2027.
What are the latest CZWI SEC filings?
Citizens Community Bancorp Inc. (CZWI) filed its latest 10-K annual report on March 5, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on September 2, 2026 and a Form 4 insider filing on August 10, 2026.
What is CZWI's SEC CIK number?
Citizens Community Bancorp Inc. (CZWI)'s SEC Central Index Key (CIK) is 1367859. EDGAR lists every CZWI filing under that number.
Ask anything about CZWI
The research agent reads CZWI's filings, financials, insider trades and 13F holders, then answers with sources.