Seasonal Tailwind — november med 5.1% (mag 1/3) · posClose 68.18% (rel 1/3) · n22 ×0.75 = 3.8
Earnings Tailwind — ER in 17.155d · w1 med 0.7% (mag 0/3) · winRate 57.7% (rel 1/3) · n78
Hidden Gem — stWatch 61.00
About Citizens Community Bancorp Inc
Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal N.A. that provides various traditional community banking services to businesses, agricultural operators, and consumers in the United States, Wisconsin, Minnesota and internationally. The company offers various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit. Read full Trend Edge analysis →
Sector: Financial Services
Industry: Banks-Regional
Exchange: NASDAQ
IPO Date: March 30, 2004
Headquarters: 2174 EastRidge Center, Eau Claire, WI, United States, 54701
Hidden Gem: Yes — undiscovered relative to its market cap tier
Founder-Led: No
Key Metrics
Current Price
$21.36
Market Cap
$205M
Float
7.9M
Shares Outstanding
9.7M
P/E (Forward)
10.72
P/E (TTM)
16.18
Price/Sales (TTM)
3.51
vs. Analyst Target
+4.2% to analyst PT
Profit Margin
21.98%
Operating Margin (TTM)
14.52%
Revenue (TTM)
$58.3M
Earnings Growth (YoY)
-66.40%
Dividend Rate
0.3%
Analyst Target Price
$22.25 (2 analysts)
Financial History
Annual Revenue & Earnings History
Year
Revenue
Net Income
Gross Profit
EBITDA
2020
$82.7M
$12.7M
$60.6M
$23.9M
2021
$80.1M
$21.3M
$69.7M
$33.0M
2022
$80.2M
$17.8M
$65.7M
$27.6M
2023
$94.4M
$13.1M
$59.0M
$22.7M
2024
$99.4M
$13.8M
$59.5M
$20.9M
2025
$90.1M
$14.4M
$49.3M
$8.9M
Recent Quarterly Revenue & Net Income
Quarter
Revenue
Net Income
Sep 2025
$25.3M
$3.7M
Dec 2025
$15.8M
$4.3M
Mar 2026
$24.5M
$3.8M
Jun 2026
$22.0M
$1.1M
Ownership & Float
Insider Ownership
15.8%
Institutional Ownership
60.3%
Short Float
2.8%
% of All Funds Holding
1.08%
Number of Funds Holding
95
Current Moving Averages
Trend Edge tracks near-term, medium-term, cyclical, and secular moving averages across weekly and monthly timeframes to identify trend structure at every horizon.
Timeframe
SMA
Value
Trend Context
Weekly
10-Week SMA
$21.38
Near-term / short-term trend
Weekly
40-Week SMA
$20.58
Medium-term trend
Weekly
80-Week SMA
$18.06
Cyclical trend (business cycle)
Weekly
200-Week SMA
$14.43
Secular trend (multi-year)
Monthly
10-Month SMA
$20.52
Near-term monthly trend
Monthly
20-Month SMA
$18.05
Medium-term monthly trend
Monthly
40-Month SMA
$15.27
Secular monthly trend
Volume Shelves — Support & Resistance
Trend Edge identifies volume shelves: price zones where historically elevated trading volume
creates structural support or resistance. A volume shelf forms when a disproportionate share of cumulative
volume was transacted at a specific price level, making it a high-conviction anchor for future price reactions.
Trend Edge's AI Consult feature delivers a comprehensive, multi-layer trade plan for Citizens Community Bancorp Inc
(CZWI) powered by Claude Opus — Anthropic's most capable AI model.
The analysis covers five layers:
technical analysis (near-term, medium-term, cyclical, and secular trend, momentum,
volume shelf support and resistance, breakout and breakdown signals),
qualitative analysis (business model, competitive moat, sector dynamics),
insider sentiment (buy and sell signals from executive and director transactions),
share stats analysis (institutional accumulation, fund positioning, short float squeeze potential), and
fundamental analysis (valuation, revenue growth, profit margin, earnings quality).
AI Consult synthesizes all five layers into a single bullish or bearish thesis with explicit entry, exit,
stop loss, and take profit levels — giving you a complete, AI-powered trade plan with defined risk/reward.
Whether you are building a long position, initiating a short, or looking for a reversal setup,
AI Consult identifies the highest-probability signal from the current trend.