CATALYSTSeekingAlpha • 2d ago
Dividend Champion, Contender, And Challenger Highlights: Week November 1Get a weekly dividend summary for Champions, Contenders, and Challengers.
Why CZWI Stock slipped -0.38% Today — RQD Quant Desk Flash
$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.
ROARABLE C- • HOLD / WATCH
Cap $228.4M
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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 2026-11-01, 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.
✓ 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 BCBP in the Financials sector?
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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).
✓ 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 $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.
✓ Pre-computed one-to-many AI Quant brief
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INTERACTIVE SCENARIO DECK:
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
52
Q2 (-2Q)Grade C$21.22+0.9% Next Q
55
Q3 (-1Q)Grade C$21.42+10.5% Next Q
57
CurrentGrade C-$23.67+0.4% Hist 90D α
60
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
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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why CZWI Stock slipped -0.38% Today — RQD Quant Desk Flash
Citizens Community Bancorp Inc. (CZWI) slipped -0.38% to $23.67, trading at 91% of its 52-week range ($15.7 – $24.43). Solid steady margins (8% return on capital), mixed timing at 16x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 91% of its 52-week range ($15.7 – $24.43) with RSI-14 at 71.5 (OVERBOUGHT (>70)).
- ▸Volatility Profile: Historical 20-day realized swing band of ±5% around $23.67 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C- (Hold) backed by 52% gross margin and $10.4M annual free cash flow.
Live CZWI Headlines & Catalysts
CATALYSTYahoo • 4d ago
Citizens Community Bancorp (CZWI) Stock Jumps As Q3 Earnings Meet Loan ConcernsCZWI shareholders woke up to a 4.6% pop after the Q3 2026 report, and the emotional driver is clear. The market is cheering a sharp rebound in quarterly earnings, with basic earnings per share at US$0.56 and net income a
MARKET WIREYahoo • 6d ago
Here's What Key Metrics Tell Us About Citizens Community Bancorp (CZWI) Q3 EarningsAlthough the revenue and EPS for Citizens Community Bancorp (CZWI) give a sense of how its business performed in the quarter ended September 2026, it might be worth considering how some key metrics compare with Wall Stre
MARKET WIREYahoo • 6d ago
Citizens Community Bancorp, Inc. (CZWI) Q3 Earnings and Revenues Top EstimatesCitizens Community Bancorp (CZWI) delivered earnings and revenue surprises of +27.27% and +3.41%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
CATALYSTBenzinga • 6d ago
Citizens Community Bancorp Increases Quarterly Dividend From $0.10 To $0.12 Per ShareOn October 22, 2026, the Board of Directors approved an increase in the quarterly dividend to $0.12 per share or a 14% increase. The dividend will be payable on November 20, 2026, to shareholders of record on November
CATALYSTBenzinga • 6d ago
Citizens Community Q3 EPS $0.56 Beats $0.47 Estimate, Sales $17.373M Miss $17.400M EstimateCitizens Community (NASDAQ:CZWI) reported quarterly earnings of $0.56 per share which beat the analyst consensus estimate of $0.47 by 19.15 percent. This is a 51.35 percent increase over earnings of $0.37 per share from
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk
Scheduled RQD Strong Buys & Whale Accumulation Briefing (CZWI Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
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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
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 0001367859In 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 ENABLEDIs 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 × FREDWhy is CZWI stock moving today?
Why CZWI Stock slipped -0.38% Today — RQD Quant Desk Flash. Solid steady margins (8% return on capital), mixed timing at 16x P/E—hold if owned, no rush to chase.