OakChart

Citizens Community Bancorp Inc MD

CZWIFinancial·Banks - Regional·USA·Micro·NASD·Nov 11 • 3:59 PM ET

23.37-0.07 (-0.30%)
2026-11-11 23:26 CET
Market cap
224.54 USD m
Revenue, TTM
- USD m
Net income, TTM
14.53 USD m
Free cash flow, TTM
18.22 USD m
EPS diluted, TTM
1.51
P/E
15.53
Compare

Price

CZWI against its 20, 50 and 200-day averages
2050200beatmiss
18.0020.0022.0024.00184K367KVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26CZWIclose 23.3720-day 22.7750-day 22.00200-day 20.9023.3752w high

5.6% under the 52-week high of 24.75 on 5 Nov 2026. 52-week low 16.28 on 19 Nov 2025. Last 15 sessions, 16.8% high to low

Volume 0.55× normal · the line is the 50-bar volume average

Profile

CZWI
52-week range, 84% of the way up
16.2724.75

Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal Bank. It provides commercial, agricultural and consumer banking services. The company was founded in 2004 and is headquartered in Eau Claire, WI.

IndexRUT
Employees217
IPOMar 30, 2004
Beta0.52
ATR, 14d0.56
Rel volume0.55
Short float1.64%
Insider own16.44%
Inst own56.42%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap223.29M
Enterprise Value-
Income14.53M
Sales99.21M
Book/sh19.91
Cash/sh-
Dividend Est.0.44 (1.88%)
Dividend TTM0.43 (1.86%)
Dividend Ex-DateNov 06, 2026
Dividend Gr. 3/5Y11.46% 11.38%
Payout24.73%
Employees217
IPOMar 30, 2004

Ratios

P/E15.53
Forward P/E10.27
PEG0.54
P/S2.25
P/B1.17
P/C-
P/FCF12.26
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.09
Debt/Eq0.28
LT Debt/Eq0.27
Option/ShortNo / Yes

Earnings

EPS (ttm)1.51
EPS next Y2.27
EPS next Q0.52
EPS this Y6.51%
EPS next Y46.30%
EPS next 5Y18.99%
EPS past 3/5Y-4.84% 5.01%
Sales past 3/5Y7.04% 4.23%
EPS Y/Y TTM16.81%
Sales Y/Y TTM1.78%
EPS Q/Q51.23%
Sales Q/Q3.59%
EarningsOct 26 BMO
EPS/Sales Surpr.27.27% 2.80%

Ownership

Insider Own16.44%
Insider Trans-0.14%
Inst Own56.42%
Inst Trans2.64%
ROA0.83%
ROE7.70%
ROIC5.98%
Gross Margin-
Oper. Margin17.50%
Profit Margin14.65%
SMA202.64%
SMA506.23%
SMA20011.80%
Trades-

Technical

Shs Outstand9.58M
Shs Float8.00M
Short Float1.64%
Short Ratio3.02
Short Interest0.13M
52W High24.75 -5.58%
52W Low16.27 43.59%
Volatility2.49% 2.34%
ATR (14)0.56
RSI (14)58.85
Beta0.52
Rel Volume0.55
Avg Volume43.49K
Volume23,795

Performance

Perf Week-4.22%
Perf Month10.08%
Perf Quarter10.76%
Perf Half Y11.39%
Perf YTD31.14%
Perf Year42.15%
Perf 3Y124.93%
Perf 5Y69.35%
Perf 10Y109.60%
Recom3.00
Target Price23.75
Prev Close23.44
Price23.37
Change %-0.30%

Analyst ratings

latest 6 of 6
DateActionAnalystRating changeTargetImplied
Aug 07, 2026DowngradeBBrean CapitalBuy → Neutral$23-1.6%
Jul 10, 2026DowngradeHHovde GroupOutperform → Market Perform$24+2.7%
Mar 04, 2024UpgradeHHovde GroupMarket Perform → Outperform
Apr 26, 2023DowngradeHHovde GroupOutperform → Market Perform$11.50-50.8%
Mar 22, 2019InitiatedHHovde GroupOutperform$14-40.1%
Oct 30, 2018DowngradeSSandler O'NeillBuy → Hold

Peers

Mkt cap
TickerCompanyMkt cap
FBIZFirst Business Financial Services Inc623.99M
WSBFWaterstone Financial Inc360.98M
BFCBank First Corp1.66B
BWBBridgewater Bancshares Inc579.05M
ATLOAmes National Corp302.04M
ALRSAlerus Financial Corp853.23M
WTBAWest Bancorporation521.20M
ISBAIsabella Bank Corp343.17M
NICNicolet Bankshares Inc3.64B
ASBAssociated Banc-Corp5.75B

Insider trading

14 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
FELBER FRANCIS EDirectorAug 10 '26Buy20.2550010,12525,795Aug 10 04:48 PM
Bianchi Stephen MCEO and PresidentAug 10 '26Buy20.501,00020,50054,480Aug 10 04:41 PM
Bianchi Stephen MCEO and PresidentJun 02 '26Option Exercise11.005,00055,00092,604Jun 02 04:41 PM
BROUCEK JAMES SEVP/CFO/Treasurer/SecretaryJun 01 '26Option Exercise13.602,00027,20024,096Jun 02 04:40 PM
MOLL JAMES DDirectorMay 18 '26Sale20.582,00041,16833,463May 18 06:41 PM
FELBER FRANCIS EDirectorMay 18 '26Buy20.6050010,30021,450May 18 06:41 PM
MOLL JAMES DDirectorMay 14 '26Sale21.003,00063,00635,463May 15 05:08 PM
MOLL JAMES DDirectorMay 14 '26Proposed Sale21.145,000105,675May 14 01:33 PM
SKARVAN KATHLEENDirectorMay 08 '26Buy21.1675015,8692,050May 11 08:43 AM
Olson Timothy LDirectorMay 05 '26Buy20.951,00020,94526,684May 05 04:38 PM
FELBER FRANCIS EDirectorMay 04 '26Buy20.601,00020,60020,950May 05 08:36 AM
Conner Michael RDirectorApr 30 '26Buy20.951,10023,04415,986May 04 04:36 PM
Bianchi Stephen MCEO and PresidentApr 20 '26Option Exercise11.005,00055,00087,604Apr 20 04:02 PM
JOHNSON REBECCAVice President/ControllerJan 23 '26Option Exercise9.622,00019,2406,954Jan 26 08:50 AM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
DFSVUS Small Cap Value Portfolio ETF Class SharesAUM: 8.52B
IWNiShares Russell 2000 Value ETFAUM: 14.10B
VXFVanguard Extended Market Index ETFAUM: 30.47B
DFATU.S. Targeted Value Portfolio-ETF Class SharesAUM: 14.47B
BSVOEA Bridgeway Omni Small-Cap Value ETFAUM: 2.44B
DFASU.S. Small Cap Portfolio-ETF Class SharesAUM: 15.51B
VTWOVanguard Russell 2000 Index ETFAUM: 16.75B
FDMFirst Trust Dow Jones Select Microcap Index FundAUM: 267.52M

News

latest 14 of 200
  • Citizens Community Bancorp, Inc. Reports Third Quarter 2026 Earnings of $0.56 Per Share; Board Approves 14% Increase in Quarterly Dividend to $0.12 per Share (GlobeNewswire) +5.93%
  • Citizens Community Bancorp, Inc. Reports Second Quarter 2026 Earnings of $0.11 Per Share; Board Approves Quarterly Dividend at $0.105 per Share (GlobeNewswire) -9.17%
  • Citizens Community Bancorp, Inc. Reports First Quarter 2026 Earnings of $0.39 Per Share; Board Approves Quarterly Dividend at $0.105 per Share (GlobeNewswire)
  • Are You Looking for a High-Growth Dividend Stock? (Zacks)
  • Why Citizens Community Bancorp, Inc. (CZWI) is a Great Dividend Stock Right Now (Zacks)
  • Citizens Community Bancorp, Inc. (CZWI) Beats Q4 Earnings and Revenue Estimates (Zacks)
  • Citizens Community Bancorp, Inc. Reports Fourth Quarter 2025 Earnings of $0.44 Per Share; Board Approves Moving to Quarterly Dividend at $0.105 per share (GlobeNewswire)
  • OceanFirst Financial (OCFC) Surpasses Q4 Earnings and Revenue Estimates (Zacks)
  • Waterstone Financial Rises 22% in 6 Months: Should You Buy the Stock? (Zacks)
  • Recent Price Trend in Citizens Community Bancorp (CZWI) is Your Friend, Here's Why (Zacks)
  • Will ServisFirst's 13.4% Dividend Hike Sustain Investor Confidence? (Zacks)
  • Citizens Community Bancorp (CZWI) is on the Move, Here's Why the Trend Could be Sustainable (Zacks)
  • Zacks Industry Outlook Highlights Northpointe Bancshares, West Bancorporation and Citizens Community Bancorp (Zacks)
  • 3 Savings & Loan Industry Stocks to Buy on Solid Industry Prospects (Zacks)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-260.5600.4400.56017.3716.902
2026Q22026-07-270.1100.4100.11416.1116.302
2026Q12026-04-270.3900.3600.39016.1115.702
2025Q42026-01-260.4400.3950.44015.5616.302
2025Q32025-10-270.3700.3700.37116.2415.402
2025Q22025-07-280.3300.2900.32716.1514.702
2025Q12025-04-280.3200.2650.32014.1914.202
2024Q42025-01-270.2700.2700.26914.1714.302
2024Q32024-10-280.3200.2700.32214.6114.002
2024Q22024-07-290.3600.2700.35415.0113.702
2024Q12024-04-290.3900.2600.39215.9713.902
2023Q42024-01-290.3800.2600.35314.8813.902
2023Q32023-10-240.2400.2650.23915.0114.202
2023Q22023-07-240.3100.2730.30614.1514.253
2023Q12023-04-250.3500.3770.35015.0416.153
2022Q42023-01-230.4900.4070.44916.6516.703

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY0.750-0.46527.10-
2018FY0.6800.7600.46037.6737.90
2019FY0.9600.9330.85158.4955.42
2020FY1.1101.0631.14068.7066.21
2021FY1.9901.7771.98369.4966.59
2022FY1.7601.6471.68965.3266.05
2023FY1.2801.2401.24759.0758.30
2024FY1.3501.3151.34059.7656.70
2025FY1.4601.3551.46060.3862.10
2026FY-1.555--67.00
2027FY-2.275--74.20
2028FY-2.460--77.40

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-10-2611017.7017.7017.70
2026Q4S2026-10-1010017.5017.5017.50
2026Q4S2026-07-2710117.5017.5017.50
2026Q4S2026-07-1110018.0018.0018.00
2026Q4S2026-04-2711018.0018.0018.00
2026Q4S2026-04-1110017.8017.8017.80
2026Q4S2026-01-2610117.8017.8017.80
2026Q4S2026-01-1010018.1018.1018.10
2026Q4S2025-11-1111018.1018.1018.10
2026Q4S2025-11-1011018.1018.1018.10
2026Q4S2025-11-0911018.1018.1018.10
2026Q4S2025-11-0811018.1018.1018.10
2026Q4S2025-11-0711018.1018.1018.10
2026Q4S2025-11-0611018.1018.1018.10

Estimate history

EPS, annual0.4650.460.8511.141.9831.6891.2471.341.4561.5053
Period201720182019202020212022202320242025TTM
EPS, quarterly0.3220.2690.320.3270.3710.440.390.1140.561
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual32.30761.71272.1279.75279.8678093.82198.89498.11999.21
Period201720182019202020212022202320242025TTM
Sales, quarterly25.20523.61623.55225.1925.11924.25824.45424.4826.022
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual5.88910.95411.26711.05610.50210.42510.4419.9829.6179.579
Period201720182019202020212022202320242025MRQ
Shares, quarterly10.0749.9829.999.9929.8579.6179.6299.659.579
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income88.5287.6389.6184.2569.4064.0364.5360.4252.19
Total Interest Expense34.4536.4543.1435.9013.0310.3714.2716.9112.03
Net Interest Income54.0751.1846.4748.3556.3753.6750.2643.5140.16
Loan Loss Provision5.401.95-3.17-0.471.480.007.753.523.80
Net Interest Income After Loan Loss Provision48.6749.2349.6548.8254.8953.6742.5139.9936.36
Non-Interest Income10.6910.499.289.5710.6015.8315.2211.709.52
Non-Interest Expense42.0042.2841.4839.4741.9240.5440.8841.7038.60
Operating Income17.3717.4417.4518.9323.5828.9616.859.987.29
Unusual Expense0.000.000.000.000.000.000.000.000.00
Net Income Before Taxes17.3717.4417.4518.9323.5828.9617.2812.287.29
Income Taxes2.833.023.705.875.827.694.552.812.24
Consolidated Net Income14.5314.4213.7513.0617.7621.2712.729.465.04
Net Income From Continuing Operations14.5314.4213.7513.0617.7621.2712.729.465.04
Net Income14.5314.4213.7513.0617.7621.2712.729.465.04
EPS (Recurring)1.511.461.341.251.691.981.140.850.46
EPS (Basic, Before Extraordinaries)1.511.461.341.251.691.981.140.850.46
EPS (Diluted)1.511.461.341.251.691.981.140.850.46
Non-Operating Income (Expense)0.000.000.000.000.000.000.432.290.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense---0.000.000.010.010.010.01
Price To Earnings Ratio15.5715.5711.468.726.626.939.5414.3420.68
Price To Sales Ratio2.051.801.691.311.581.851.521.881.94
Operating Margin17.5017.7817.6520.1829.4836.2621.1313.8411.81
Net Margin14.6514.7013.9013.9222.2026.6315.9613.128.17
Shares Outstanding9.589.629.9810.4410.4310.5011.0611.2710.95
Market Capitalization224.54224.54163.45122.58126.12144.62121.47137.72119.40

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income23.2022.0321.5221.7722.2522.5021.1021.96
Total Interest Expense8.718.538.518.719.049.199.5110.25
Net Interest Income14.4913.5013.0113.0613.2113.3111.5911.71
Loan Loss Provision0.124.330.750.200.651.35-0.25-0.45
Net Interest Income After Loan Loss Provision14.379.1812.2612.8712.5611.9611.8412.16
Non-Interest Income2.822.452.942.492.872.692.451.66
Non-Interest Expense10.5810.3910.5710.4710.8910.6010.3210.46
Operating Income6.611.244.634.884.544.053.973.36
Unusual Expense0.000.000.000.000.000.000.000.00
Net Income Before Taxes6.611.244.634.884.544.053.973.36
Income Taxes1.210.140.880.610.850.780.780.66
Consolidated Net Income5.411.103.754.273.683.273.202.70
Net Income From Continuing Operations5.411.103.754.273.683.273.202.70
Net Income5.411.103.754.273.683.273.202.70
EPS (Recurring)0.560.110.390.440.370.330.320.27
EPS (Basic, Before Extraordinaries)0.560.110.390.440.370.330.320.27
EPS (Diluted)0.560.110.390.440.370.330.320.27
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Price To Earnings Ratio15.5715.3113.5813.8412.9810.9110.7511.46
Price To Sales Ratio2.052.291.931.761.641.411.491.65
Operating Margin25.415.0518.9420.1418.0516.0716.8714.22
Net Margin20.774.5015.3617.6114.6612.9813.5711.44
Shares Outstanding9.589.659.639.629.869.999.999.98
Market Capitalization224.54225.58190.65172.14158.62137.85143.65163.45

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks118.8550.1737.1435.3647.69119.4455.8445.7841.68
Investments245.32246.89271.75280.25299.02209.76208.86172.22119.11
Net Loans1,317.921,348.431,437.881,393.851,294.051,220.541,167.06984.95727.05
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets0.860.921.791.271.410.201.462.576.02
Net Property, Plant & Equipment17.1217.8919.8522.1923.3323.8223.8913.519.64
Interest Receivables6.135.655.415.293.925.654.744.313.29
Other Intangible Assets75.5578.5777.5678.1870.2169.6969.4064.5833.87
Total Assets1,781.761,748.521,851.391,816.391,739.631,649.101,531.251,287.92940.66
Total Deposits1,524.101,488.151,519.091,424.721,387.541,295.261,195.701,007.51742.50
Total Debt52.7567.68148.68216.88172.18184.59177.38134.46120.32
Long Term Debt52.2362.6883.6099.34160.62176.00176.7635.6530.32
Provision for Risks Charges0.490.330.000.000.000.000.000.000.00
Other Liabilities16.4713.2710.287.699.058.697.627.764.36
Total Liabilities1,593.821,569.431,678.061,649.301,568.761,488.531,380.701,149.74867.18
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity187.94179.08173.33167.09170.87160.56150.55138.1973.48
Total Shareholders Equity187.94179.08173.33167.09170.87160.56150.55138.1973.48
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity187.94179.08173.33167.09170.87160.56150.55138.1973.48
Total Liabilities & Stockholders Equity1,781.761,748.521,851.391,816.391,739.631,649.101,531.251,287.92940.66
Book Value Per Share19.5417.9416.6016.0316.2714.5213.3612.6212.48
Tangible Book Value Per Share16.2314.6913.4212.7712.9011.189.899.069.78
Tier 1 Capital169.62165.24160.79150.80135.33122.08111.94101.0582.57
Tier 2 Capital53.2967.6869.3767.9446.9144.6225.3222.605.94
Full-Time Employees217232232210225234261265224
Price to Book Ratio1.180.910.740.770.850.750.910.861.11
Return on Assets0.820.760.711.001.260.800.670.450.31
Return on Equity7.867.807.6710.5112.838.186.554.773.62
Return on Invested Capital6.005.695.086.676.423.782.892.902.41
Current Ratio0.090.060.030.030.060.160.080.080.10

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations23.5713.7519.46-34.6322.6818.6315.7713.453.26
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-2.32-2.050.940.85-1.541.17-1.500.900.58
Cash from Operating Activities21.2411.6920.40-33.7821.1419.8014.2714.343.83
Capital Expenditures-3.03-1.31-0.89-1.37-3.60-3.78-2.57-6.77-0.59
Net Assets From Acquisitions0.000.000.000.000.000.000.00-8.140.00
Sale of Fixed Assets and Businesses0.000.000.010.010.010.041.510.3048.13
Purchase or Sale of Investments9.6518.5021.7714.78-11.28-88.190.689.74-30.69
Purchase of Investments-21.10-11.15-0.45-12.36-48.96-171.29-72.66-53.91-34.11
Sale Or Maturity of Investments30.7529.6522.2227.1437.6883.1073.3463.663.42
Other Uses0.000.000.000.00-4.060.000.000.000.00
Other Sources0.000.000.530.130.140.000.000.000.00
Cash from Investing Activities-60.9945.71113.7412.70-111.04-161.40-52.30-64.84-16.96
Cash Dividends Paid-3.04-3.60-3.35-3.04-2.74-2.51-2.37-2.200.00
Change in Capital Stock-5.16-6.07-6.19-0.52-1.84-7.93-2.853.250.08
Repurchase of Common Pref Stock-5.51-6.25-6.22-0.55-1.91-7.98-2.85-0.05-0.01
Sale of Common Pref Stock0.350.180.020.030.070.050.003.310.09
Proceedsfrom Stock Options0.000.000.000.000.000.000.003.100.00
Issuance or Reduction of Debt, Net0.00-15.01-80.61-68.1744.57-12.117.2019.9536.01
Change in Long Term Debt5.00-15.00-6.08-25.17-67.43-12.1148.1818.910.00
Issuance of Long Term Debt0.000.000.000.0034.190.0081.1829.910.00
Reduction of Long Term Debt5.00-15.00-6.08-25.17-101.62-12.11-33.00-11.000.00
Net Financing Active Other Cash Flow0.000.000.000.220.400.130.090.000.00
Other Financing Activities Uses0.000.000.000.00-0.00--0.00
Cash from Financing Activities52.9411.28-121.1122.8677.5769.85101.6360.5624.41
Net Change in Cash13.0168.6813.031.77-12.33-71.7563.6010.0611.28
Free Cash Flow18.2210.3819.51-35.1517.5416.0211.707.573.24
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow13.3926.0210.34-8.5510.9413.0325.3036.85
Federal Home Loan Advances Increase (Decrease)-0.000.000.28-0.290.130.06-1.300.00

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks95.44121.76149.20118.8582.4367.45
Investments229.91229.66236.47245.32246.26245.94
Net Loans1,362.741,357.081,335.291,317.921,300.831,324.27
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment17.7218.0017.1317.1216.7916.99
Interest Receivables6.446.185.836.136.166.12
Other Intangible Assets84.9780.7878.2075.5573.6173.49
Total Assets1,795.661,814.311,822.971,781.761,726.991,735.16
Total Deposits1,536.691,554.421,565.621,524.101,480.551,478.42
Total Debt52.4652.5252.5852.7547.5262.59
Long Term Debt52.3652.3052.2352.2347.3962.33
Provision for Risks Charges0.340.460.480.490.490.63
Other Liabilities16.3015.5713.4216.4711.6110.07
Total Liabilities1,605.791,622.961,632.101,593.821,540.171,551.70
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity190.74191.35190.87187.94186.81183.46
Total Shareholders Equity190.74191.35190.87187.94186.81183.46
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity190.74191.35190.87187.94186.81183.46
Total Liabilities & Stockholders Equity1,796.531,814.311,822.971,781.761,726.991,735.16
Book Value Per Share19.9119.8319.8219.5418.9518.36
Tangible Book Value Per Share16.6216.5516.5216.2315.7115.15
Tier 1 Capital-171.70-169.62169.14167.34
Tier 2 Capital-54.25-53.2952.9768.15
Full-Time Employees---217--
Price to Book Ratio1.181.181.010.940.880.77
Return on Assets0.830.720.830.820.730.70
Return on Equity7.706.848.087.867.006.93
Return on Invested Capital2.220.451.541.781.571.33
Current Ratio0.090.100.110.090.080.06

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations4.834.739.384.635.210.99
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital0.673.19-5.40-0.781.42-2.64
Cash from Operating Activities5.507.913.983.856.63-1.65
Capital Expenditures-0.39-1.48-0.57-0.59-0.39-0.23
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.00
Purchase or Sale of Investments-5.064.294.585.830.846.23
Purchase of Investments-13.09-3.71-1.02-3.27-5.00-2.13
Sale Or Maturity of Investments8.038.005.619.105.848.35
Other Uses0.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.00
Cash from Investing Activities-11.54-23.30-14.10-12.0523.2314.12
Cash Dividends Paid-1.01-1.01-1.010.000.000.00
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock-1.360.16-0.04-3.92-2.020.03
Repurchase of Common Pref Stock-1.37-0.02-0.09-4.04-2.02-0.01
Sale of Common Pref Stock0.010.180.050.120.000.03
Proceedsfrom Stock Options0.000.000.000.000.000.00
Issuance or Reduction of Debt, Net0.000.000.000.00-15.000.00
Change in Long Term Debt0.000.000.005.00-15.000.00
Issuance of Long Term Debt0.000.000.000.000.000.00
Reduction of Long Term Debt0.000.000.005.00-15.000.00
Net Financing Active Other Cash Flow0.000.000.000.000.000.00
Other Financing Activities Uses0.000.000.000.000.000.00
Cash from Financing Activities-20.10-12.0640.4744.62-14.88-45.21
Net Change in Cash-26.32-27.4430.3536.4214.98-32.74
Free Cash Flow5.116.443.413.266.24-1.88
Price to Free Cash Flow13.3913.0219.0425.5027.1346.45

Revenue breakdown

Savings Institution, Federally Chartered2024: 56.58M 2025: 62.33M
United States2024: 56.58M 2025: 62.33M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-301.64%0.1M8.0M43.74K
2026-10-151.57%0.1M8.1M45.69K
2026-09-301.78%0.1M8.1M55.21K
2026-09-152.63%0.2M8.1M71.92K
2026-08-312.69%0.2M8.1M80.89K
2026-08-142.17%0.2M8.1M78.13K
2026-07-311.65%0.1M8.1M74.23K
2026-07-151.89%0.2M8.1M68.29K
2026-06-301.71%0.1M8.2M61.13K
2026-06-151.11%0.1M8.3M45.74K
2026-05-291.00%0.1M8.3M36.31K
2026-05-150.91%0.1M8.9M39.66K
2026-04-301.01%0.1M8.9M49.42K
2026-04-151.15%0.1M8.9M55.14K
2026-03-311.46%0.1M8.9M57.98K
2026-03-131.60%0.1M8.9M52.90K
2026-02-271.20%0.1M8.9M45.77K
2026-02-131.19%0.1M8.9M42.81K
2026-01-300.91%0.1M8.9M44.29K
2026-01-150.90%0.1M8.9M37.82K

Option chain

expiry 2026-11-11
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
No option chain for this symbol.

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-0910-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-10-30S-8Initial registration statement for securities to be offered to employees pursuant to employee benefit plansSEC
2026-10-30S-8 POSPost-effective amendment to a S-8 registration statementSEC
2026-10-288-KCurrent report2026-10-28SEC
2026-10-268-KCurrent report2026-10-26SEC
2026-09-028-KCurrent report2026-09-02SEC
2026-08-14SCHEDULE 13G/ASEC
2026-08-13SCHEDULE 13G/ASEC
2026-08-104Statement of changes in beneficial ownership of securities2026-08-10SEC
2026-08-104Statement of changes in beneficial ownership of securities2026-08-10SEC
2026-08-0610-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-07-31SCHEDULE 13G/ASEC
2026-07-318-KCurrent report2026-07-29SEC
2026-07-29SCHEDULE 13D/ASEC
2026-07-27SCHEDULE 13GSEC
2026-07-278-KCurrent report2026-07-27SEC
2026-07-08SCHEDULE 13D/ASEC
2026-06-29SCHEDULE 13D/ASEC
2026-06-178-KCurrent report2026-06-16SEC
2026-06-104Statement of changes in beneficial ownership of securities2025-09-09SEC
2026-06-04SCHEDULE 13DSEC
2026-06-024Statement of changes in beneficial ownership of securities2026-06-02SEC
2026-06-024Statement of changes in beneficial ownership of securities2026-06-01SEC
2026-05-184Statement of changes in beneficial ownership of securities2026-05-18SEC
2026-05-184Statement of changes in beneficial ownership of securities2026-05-18SEC
2026-05-18SCHEDULE 13G/ASEC
2026-05-154Statement of changes in beneficial ownership of securities2026-05-14SEC
2026-05-15SCHEDULE 13GSEC
2026-05-14144Filing for proposed sale of securities under Rule 144.SEC
2026-05-114Statement of changes in beneficial ownership of securities2026-05-08SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-0830.63K200
2026-070000
2026-060000
2026-0567.71K4104.17K2
2026-0423.04K100
2026-030000
2026-020000
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
BlackRock, Inc.6.56%
MANUFACTURERS LIFE INSURANCE COMPANY, THE4.99%
Boston Partners4.57%
VANGUARD CAPITAL MANAGEMENT LLC4.29%
DIMENSIONAL FUND ADVISORS LP4.23%
ACADIAN ASSET MANAGEMENT LLC2.77%
GENDELL JEFFREY L2.57%
GEODE CAPITAL MANAGEMENT, LLC2.21%
BANC FUNDS CO LLC1.87%
TWO SIGMA INVESTMENTS, LP1.65%

Funds

Fund% owned
Angel Oak Financial Strategies Income Term Trust15.55%
VANGUARD TOTAL STOCK MARKET INDEX FUND3.02%
iShares Russell 2000 ETF2.78%
Boston Partners Small Cap Value Fund II (R6)1.64%
VANGUARD EXTENDED MARKET INDEX FUND1.16%
Fidelity Small Cap Index Fund1.01%
iShares Russell 2000 Value ETF1.01%
U.S. SMALL CAP VALUE PORTFOLIO0.80%
EA Bridgeway Omni Small-Cap Value ETF0.74%
VANGUARD RUSSELL 2000 INDEX FUND0.55%

OakChart. CZWI. Cached 15 minutes.