What is the 13F Pro Quality Score for CZWI?

13F Pro ranks Citizens Community Bancorp Inc. (CZWI) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View CZWI's current score at https://13fpro.ai/research/CZWI (free sign-up required for the full ranking).

Where does 13F Pro source CZWI data?

All Citizens Community Bancorp Inc. fundamentals and ownership data come directly from SEC EDGAR. Citizens Community Bancorp Inc. files with the SEC under CIK 1367859. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is CZWI in?

Citizens Community Bancorp Inc. (CZWI) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is CZWI research updated on 13F Pro?

CZWI's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Citizens Community Bancorp Inc.(CZWI)Stock Analysis

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13F Pro Quality Score

Not in ranked universe

Pending next ranking run

This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.

Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.

CZWI Stock Analysis & AI Quality Score

AI stock analysis and institutional research for Citizens Community Bancorp Inc. (CZWI), a Financials sector company. CZWI is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q2 2026), Citizens Community Bancorp Inc. reports quarterly revenue of $16.1M, net income of $3.8M, an operating margin of 28.7%. Top institutional holders of CZWI by reported 13-F value include WELLINGTON MANAGEMENT GROUP LLP, BlackRock,, MANUFACTURERS LIFE INSURANCE COMPANY, THE, based on the most recent SEC filings. CZWI trades on the Nasdaq exchange and files with the SEC under CIK 1367859. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CZWI daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Citizens Community Bancorp Inc. directly from SEC EDGAR.

Revenue

Q2 2026

$16.1M

Net Income

Q2 2026

$3.8M

Free Cash Flow

Q2 2026

$3.4M

Operating Margin

Q2 2026

28.7%

ROIC

Q2 2026

1.9%

D/E Ratio

Q2 2026

0.27

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Net Income

+71.4% YoY

$4.3MFY 2018

FY14 $2.5MFY16 $2.6MFY17 $2.5MFY18 $4.3M

EPS (Diluted)

+26.1% YoY

$0.58FY 2018

FY14 $0.48FY16 $0.49FY17 $0.46FY18 $0.58

Total Assets

+3.7% YoY

$975.4MFY 2018

FY14 $569.8MFY16 $695.9MFY17 $940.7MFY18 $975.4M

Total Debt

-27.2% YoY

$87.6MFY 2018

FY14 —FY16 $70.3MFY17 $120.3MFY18 $87.6M

Op. Cash Flow

+467.4% YoY

$10.9MFY 2018

FY14 $7.8MFY16 $5.7MFY17 $1.9MFY18 $10.9M

Metric	FY 2018	FY 2017	FY 2016	FY 2014	FY 2012	FY 2011
Net Income	$4.3M +71.4%	$2.5M -2.9%	$2.6M +2.6%	$2.5M +1118.0%	$206.0K +6.7%	$193.0K
EPS (Diluted)	$0.58 +26.1%	$0.46 -6.1%	$0.49 +2.1%	$0.48 +1100.0%	$0.04 +0.0%	$0.04
Total Assets	$975.4M +3.7%	$940.7M +35.2%	$695.9M +22.1%	$569.8M +7.5%	$530.2M -1.2%	$536.6M
Total Debt	$87.6M -27.2%	$120.3M +71.2%	$70.3M	—	—	—
Operating Cash Flow	$10.9M +467.4%	$1.9M -66.4%	$5.7M -27.3%	$7.8M -13.7%	$9.1M -9.3%	$10.0M

AI Insight: CZWI Financial Trends

Equity steadily builds to $191M in Q1 2026 while net income recovers to $4M after a soft mid-cycle dip.

• Equity grew from $176M in Q2 2024 to $191M in Q1 2026, a consistent eight-quarter expansion.

• Net income dipped to $3M across Q3 2024–Q2 2025 before recovering to $4M in Q3 2025 and holding through Q1 2026.

• Operating cash flow was near zero in Q2 2025 before rebounding sharply to $7M in Q3 2025 and $4M in Q1 2026.

⚠ Total debt of $52M first appears in Q4 2025; no prior periods reported, making leverage trajectory difficult to assess.

⚠ Op CF volatility — swinging from $-0M to $7M in consecutive quarters — warrants monitoring for consistency.

AI Insight: CZWI Ratio Trends

CZWI's profitability peaked in Q4 2025 then pulled back, with ROIC compressing sharply from 10.7% in Q2 2024 to 7.6% in Q1 2026.

• ROIC deteriorated from 10.7% in Q2 2024 to 7.6% in Q1 2026, a decline of 310 basis points over the observed period.

• ROE and ROA both peaked in Q4 2025 at 9.1% and 1.0%, then retreated to 7.9% and 0.8% in Q1 2026.

• Q3–Q4 2025 showed a sequential recovery in ROE from 7.1% to 9.1%, suggesting some underlying earnings momentum before the Q1 2026 pullback.

• D/E held steady at 0.27–0.28 across the two quarters where data is available, indicating stable leverage.

⚠ ROIC of 7.6% in Q1 2026 sits at the low end of the trailing range — watch whether this stabilizes or resumes the prior trough near Q4 2024's 7.5%.

⚠ The Q4 2025 ROE spike to 9.1% appears seasonal or one-off; sustained reversion to 7–8% range warrants scrutiny of core earnings quality.

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Available Research

13F Pro tracks comprehensive data for Citizens Community Bancorp Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of CZWI

WELLINGTON MANAGEMENT GROUP LLP
$11.8M593,996 sh
BlackRock, Inc.
$10.1M507,900 sh
MANUFACTURERS LIFE INSURANCE COMPANY, THE
$9.6M484,188 sh
VANGUARD CAPITAL MANAGEMENT LLC
$9.1M461,221 sh
DIMENSIONAL FUND ADVISORS LP
$6.9M346,741 sh
GENDELL JEFFREY L
$4.9M248,319 sh
Boston Partners
$4.6M234,612 sh
BANC FUNDS CO LLC
$4.1M206,055 sh
GEODE CAPITAL MANAGEMENT, LLC
$4.0M204,263 sh
rhino investment partners, Inc
$3.2M162,312 sh

Fund	Value	Shares
WELLINGTON MANAGEMENT GROUP LLP	$11.8M	593,996
BlackRock, Inc.	$10.1M	507,900
MANUFACTURERS LIFE INSURANCE COMPANY, THE	$9.6M	484,188
VANGUARD CAPITAL MANAGEMENT LLC	$9.1M	461,221
DIMENSIONAL FUND ADVISORS LP	$6.9M	346,741
GENDELL JEFFREY L	$4.9M	248,319
Boston Partners	$4.6M	234,612
BANC FUNDS CO LLC	$4.1M	206,055
GEODE CAPITAL MANAGEMENT, LLC	$4.0M	204,263
rhino investment partners, Inc	$3.2M	162,312

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Is CZWI a good stock to buy?

13F Pro's AI-powered analysis of Citizens Community Bancorp Inc. (CZWI) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for CZWI are available on the CZWI stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own CZWI?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling CZWI. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Citizens Community Bancorp Inc.'s investment landscape.