Stock Ratings / Financials / CZWI / dividends

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Citizens Community Bancorp Inc. (CZWI) Dividend Safety Gauge & 10-Year DRIP Compounder

$23.67 -0.38% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $23.61

Citizens Community Bancorp Inc. (CZWI) carries a Roarable Rating of C- (Hold) with 60/100 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.

📊 Historical Track Record: Scores of 60/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.4% avg 90D alpha vs SPY) →

ROARABLE C- • HOLD / WATCH Cap $228.4M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $23.61 (-0.26%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 9/20 (D) • 0.3% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 60/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.4% avg 90D alpha vs SPY • 53.5% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C-

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 D+ · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+0.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CZWI)Realized 20D OHLCV Swing Band: ±5%

Deterministic 5-Pillar Attribution (60/100 Composite)

🔍 WHY CZWI SCORES 60/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+15/20 pts (25% of score)

FRED Regime × Technicals: 91% of 52W Range • RSI-14 at 71.5 (OVERBOUGHT (>70))

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (25% of score)

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

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$21.10+0.6% Next Q

Q2 (-2Q)

Grade C$21.22+0.9% Next Q

Q3 (-1Q)

Grade C$21.42+10.5% Next Q

Current

Grade C-$23.67+0.4% Hist 90D α

Trajectory: C- (52) → C- (60)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 60/100 (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 ($21.55) or 200D SMA ($20.69) invalidates the momentum regime and cuts Target Base ($23.88) toward Bear Floor ($18.63).

🎲 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 60%NO 40%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

3.38% Total Yield

1.58% Cash ($0.37/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

22.6% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (8.3% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $22,197

Est. Year-10 Shareholder Yield: $750/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.8K

Yr 1

$11.7K

Yr 2

$12.7K

Yr 3

$13.8K

Yr 4

$14.9K

Yr 5

$16.1K

Yr 6

$17.5K

Yr 7

$18.9K

Yr 8

$20.5K

Yr 9

$22.2K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in CZWI & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on CZWI and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

CZWI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +14.07%⚡ TESTING RESISTANCE

2026-10-30O $23.82H $23.87L $23.33C $23.67VOL 45.9K

RES: $23.98SUP: $18.35SMA50: $21.55SMA200: $20.69

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

8.3%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

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 #520 of 1096 ⚔️ FCAP vs CZWI Full Matrix →

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

Industry: Savings Institutions (33 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Citizens Community Bancorp Inc. (CZWI) ranks #520 by composite RQD confidence (60/100, grade C-) and #865 by equity capitalization ($228.4M). 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. FNWD currently holds the highest overall quantitative score in the immediate peer group at 65/100 (C) compared with CZWI at 60/100 (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-	60/100	15.8x	—	7.7%	-0.38%	$228.4M	Benchmark Subject
FCAP First Capital Inc.	D+	58/100	13.0x	—	11.9%	-1.39%	$213.4M	/fcap-vs-czwi →
BCBP BCB Bancorp Inc. (NJ)	D	49/100	—	—	-4.1%	+0.47%	$264.8M	/bcbp-vs-czwi →
FNWD Finward Bancorp	C	65/100	23.5x	—	4.6%	+0.48%	$190.2M	/fnwd-vs-czwi →
BVFL BV Financial Inc.	C	62/100	14.0x	—	7.3%	+1.00%	$189.1M	/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 $0 (N/A vs. FY2024 revenue of $0 ) , 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	$0	$14.4M	$11.7M	$10.4M	$1.78B	—
FY2024 (FY)	2024-12-31	$0	$13.8M	$20.4M	$19.5M	$1.75B	—
FY2023 (FY)	2023-12-31	$0	$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 2026-11-01, Citizens Community Bancorp Inc. (NASDAQ: CZWI) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $23.67 (-0.38% 1D, market cap $228.4M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, CZWI ranks #520 in composite RQD confidence.

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

Within the Financials sector (Savings Institutions), CZWI carries a Roarable C- (60/100 RQD), trailing P/E of 15.8x, gross margin of —, and ROIC of 7.7%. By comparison, FCAP (First Capital Inc.) holds a D+ grade (58/100 RQD, P/E 13.0x, ROIC 11.9%, cap $213.4M) and BCBP (BCB Bancorp Inc. (NJ)) posts a D grade (49/100 RQD, P/E N/A, ROIC -4.1%, cap $264.8M). 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 $0 in revenue, $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 $23.67 (-0.38% on volume of 68,001 shares), positioning the stock +9.84% above its 50-day simple moving average ($21.55) and +14.40% above its 200-day simple moving average ($20.69). Across its 52-week range of $15.70 to $24.43, CZWI sits at the 91.3% percentile with a 14-day RSI of 71.5 (OVERBOUGHT (>70)) and an implied next-earnings move of ±5.0% ($22.49 to $24.85).

CZWI Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does CZWI pay a dividend and is it safe?

Citizens Community Bancorp Inc. (CZWI) offers a 1.58% cash dividend yield ($0.37 annualized) and 3.38% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

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