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Citizens Community Bancorp Inc. Stock: price and insider trades · United States
2 insiders bought €27k of shares over the last 90 days, the latest filed 10 Aug 2026.
Citizens Community Bancorp Inc.: what insiders have been doing
Every trade that managers of Citizens Community Bancorp Inc. disclose to SEC (Form 4) is tracked on this page. The company sits in the Finance & Banking sector. From 18 October 2025 to 18 October 2026, the disclosure feed for Citizens Community Bancorp Inc. logged 17 filings by 5 insiders.
On the market, 2 insiders bought (2 purchases totalling €27k) while 1 insider sold (4 sales totalling €54k). On balance, insiders were net sellers of €28k. Unlike grants, an open-market purchase is paid for by the insider, at the market price. At €34k, the sale published on 15 May 2026 by Moll James d is the largest of the period (0.020% of market cap). The buyers include 1 senior executive and 1 chief executive.
The data flag 2 purchases as part of a group of insiders buying within 30 days of each other. When several insiders buy within a few weeks of each other, analysts speak of a cluster purchase. The clock since the last published purchase (10 August 2026) now reads 69 days. Typically, a trade is published a median of 2 days after it takes place. US insiders must file a Form 4 within two business days of a trade. Keep in mind that insiders sell for many reasons unrelated to the outlook, from tax bills to estate planning.
Across the 5,816 companies tracked on its exchange, the median is 19 filings; at 17 filings, this issuer sits below that mark. Our records for Citizens Community Bancorp Inc. go back to 2016, with 69 purchases and 4 sales on the open market in total. In its latest annual report filed with the SEC (10-K, fiscal year ended 31 December 2025), the company reported net income of 14.4 m USD, with a dividend of 0.36 USD per share.
Elsewhere in the same sector, our signals recently picked up insider purchases at First Guaranty Bancshares, Inc. and BCB Bancorp Inc. This summary is built from SEC (Form 4) disclosures alone and does not predict where the share price will go.
Insider Decl.
146
Thresholds
n/a
Buy Volume
€379,767
69 ops. · all time
Sell Volume
€54,026
4 ops. · all time
Who traded when
BuySaleJames D. Moll4 sales
Francis E. Felber2 buys
Kathleen Skarvan1 buy
Michael R. Conner1 buy
Stephen M. Bianchi1 buy
Timothy L. Olson1 buy
Since the insiders bought
- +2.9%Entry US$20.51 · Close 15 Oct 2026 US$21.11
- +2.9%Entry US$20.51 · Close 15 Oct 2026 US$21.11
- +35.6%Entry US$15.02 · Close at T+365 US$20.37
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 3,458 of 24,148 companies
70.4
score / 100
Value71
Quality70
FCF yld5.1%
Earn yld7.1%
EV/EBITDA·
ROE6.8%
Gross mgn·
Net mgn23%
Debt/EBITDA·
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$21.11
Analyst consensus
2 analysts3.00/5
US$21.50Target US$22.25(+5%)US$23.00
Income statement
RevenueUS$62.3M
Net incomeUS$14.4M22.0% margin
Valuation
PER (trailing)16.1x
PER (forward)9.7x
P/Book1.1x
Beta0.51
Balance sheet & cash
Market capUS$203.7M
Total debtUS$51.8M
Free Cash FlowUS$10.4M
Profitability & ownership
ROE6.8%
ROA0.7%
% insiders15.8%
% institutions60.1%
Last declaration on 10 August 2026
Declarations146 total
1,000 shares@ US$20.500.0098% mcap2.5% of flowCommon Stock, par value $0.01 per shareSEC:0001497054-26-000013:0
Canonical exit: 8 Nov 2026 (T+90)
500 shares@ US$20.250.0048% mcap7.0% of flowCommon Stock, par value $0.01 per shareSEC:0001717677-26-000009:0
Canonical exit: 8 Nov 2026 (T+90)
3,845 shares0Common Stock, par value $0.01 per shareSEC:0001717677-26-000006:0
7,690 shares0Common Stock, par value $0.01 per shareSEC:0001717677-26-000006:1
2,000 shares@ US$13.600.014% mcap10.1% of flowCommon Stock, par value $0.01 per shareSEC:0001204872-26-000006:0
5,000 shares@ US$11.000.028% mcap6.7% of flowCommon Stock, par value $0.01 per shareSEC:0001497054-26-000009:0
876 shares@ US$21.080.0092% mcap11.9% of flowCommon Stock, par value $0.01 per shareSEC:0001235998-26-000002:1
124 shares@ US$21.110.0013% mcap1.7% of flowCommon Stock, par value $0.01 per shareSEC:0001235998-26-000002:2
100 shares@ US$20.980.0010% mcap1.3% of flowCommon Stock, par value $0.01 per shareSEC:0001235998-26-000002:3
1,900 shares@ US$20.960.020% mcap25.6% of flowCommon Stock, par value $0.01 per shareSEC:0001235998-26-000002:0
5,000 shares@ US$11.000.024% mcap6.6% of flowCommon Stock, par value $0.01 per shareSEC:0001497054-26-000007:0
3,325 shares@ US$18.527.5% of flowCommon Stock, par value $0.01 per shareSEC:0001497054-26-000004:0
1,733 shares@ US$18.5211.8% of flowCommon Stock, par value $0.01 per shareSEC:0001204872-26-000004:0
2,000 shares@ US$9.6245.4% of flowCommon Stock, par value $0.01 per shareSEC:0001279169-26-000004:0
663 shares@ US$18.451.5% of flowCommon Stock, par value $0.01 per shareSEC:0001497054-26-000002:0
339 shares@ US$18.452.3% of flowCommon Stock, par value $0.01 per shareSEC:0001204872-26-000002:0
5,000 shares@ US$11.006.8% of flowCommon Stock, par value $0.01 per shareSEC:0001497054-25-000004:0
1,600 shares@ US$15.0329.3% of flowCommon Stock, par value $0.01 per shareSEC:0001367859-25-000076:0
Canonical exit: 4 Nov 2025 (T+90)
1,471 shares@ US$14.9916.8% of flowCommon Stock, par value $0.01 per shareSEC:0001367859-25-000072:0
Canonical exit: 2 Nov 2025 (T+90)
1,000 shares@ US$14.7418.5% of flowCommon Stock, par value $.01 per shareSEC:0001367859-25-000070:0
Canonical exit: 29 Oct 2025 (T+90)
3,000 shares@ US$14.8031.1% of flowCommon Stock, par value $0.01 per shareSEC:0001367859-25-000067:0
Canonical exit: 29 Oct 2025 (T+90)
3,000 shares@ US$11.004.0% of flowCommon Stock, par value $0.01 per shareSEC:0001367859-25-000057:0
283 shares@ US$15.911.9% of flowCommon Stock, par value $0.01 per shareSEC:0001367859-25-000025:0
465 shares@ US$15.911.0% of flowCommon Stock, par value $0.01 per shareSEC:0001367859-25-000024:0
2,598 shares@ US$16.0917.3% of flowCommon Stock, par value $0.01 per shareSEC:0001367859-25-000015:0
25 of 146 declarations
About Citizens Community Bancorp Inc.
Citizens Community Bancorp Inc. (NASDAQ: CZWI) is a U.S.-listed bank holding company trading on the NASDAQ market in the United States. The company operates primarily through its wholly owned subsidiary, Citizens Community Federal N.A. (CCFBank), a national bank based in Altoona, Wisconsin, with operational headquarters and investor-relations presence in Eau Claire. Its franchise is built around community banking, serving retail customers, small and mid-sized businesses, agricultural operators, and regional commercial borrowers across Wisconsin and Minnesota through 21 branch locations. ([investor.ccf.us](https://investor.ccf.us/overview/default.aspx?utm_source=openai))
Citizens Community Bancorp traces its roots back to 1938, giving it a long operating history in the U.S. Midwest. Over time, the institution has expanded selectively and kept a clearly regional footprint rather than pursuing a national-scale model. A notable strategic step was the 2018 acquisition and integration of United Bank, which strengthened its presence in northwest Wisconsin and broadened its local franchise. That history matters for investors because it explains the company’s conservative profile: a relationship-driven community lender with deep local knowledge rather than a complex, highly diversified financial conglomerate. ([investor.ccf.us](https://investor.ccf.us/news-events/news-releases/news-details/2018/United-Bank-Joins-Forces-with-CCFBank/default.aspx?utm_source=openai))
Read moreShow less
From a business-line perspective, the bank offers the core products expected from a U.S. community bank: deposits, checking and savings accounts, residential mortgages, commercial and agricultural lending, consumer loans, and other traditional banking services. The model is centered on local deposit gathering and relationship lending, with an emphasis on serving households, farmers, and operating businesses in its core markets. For French-speaking investors, CZWI is therefore best understood as a plain-vanilla regional banking exposure with a Midwestern client base and limited product complexity. ([stockanalysis.com](https://stockanalysis.com/stocks/czwi/company/?utm_source=openai))
Competitive positioning is defined by geography and client intimacy. Citizens Community Bancorp competes with other regional and community banks in the Upper Midwest, where deposit franchise quality, credit discipline, and local market reputation are often more important than national brand power. Its smaller size relative to large U.S. banks can be a disadvantage in terms of scale, but it can also support faster decision-making, closer client relationships, and a more focused underwriting culture. Recent disclosures suggest a stable operating backdrop, with management emphasizing deposit growth, margin resilience, and balance-sheet discipline. ([investor.ccf.us](https://investor.ccf.us/news-events/news-releases/news-details/2026/Citizens-Community-Bancorp-Inc--Reports-First-Quarter-2026-Earnings-of-0-39-Per-Share-Board-Approves-Quarterly-Dividend-at-0-105-per-Share/default.aspx?utm_source=openai))
In its most recent first-quarter 2026 release, Citizens Community Bancorp reported diluted EPS of $0.39 and approved a quarterly dividend of $0.105 per share. Management also disclosed $1.57 billion of deposits, loan growth of $17.9 million for the quarter, and zero Federal Home Loan Bank advances at March 31, 2026. For investors tracking insider activity and SEC Form 4 filings, CZWI remains a small-cap regional bank with a straightforward business model, a long operating history, and a measured approach to capital allocation. ([investor.ccf.us](https://investor.ccf.us/news-events/news-releases/news-details/2026/Citizens-Community-Bancorp-Inc--Reports-First-Quarter-2026-Earnings-of-0-39-Per-Share-Board-Approves-Quarterly-Dividend-at-0-105-per-Share/default.aspx?utm_source=openai))
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