Citizens Community Bancorp
Runs CCFBank branches serving Wisconsin and Minnesota communities.
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Profile
Operates CCFBank, a community bank serving Wisconsin and Minnesota through 21 branches. Revenue comes from deposits, lending, and related banking services, with one reportable segment and a loan book weighted toward commercial and agricultural real estate.
Operates through Citizens Community Federal N.A., a community bank serving Wisconsin and Minnesota through 21 full-service branches. Primary markets include Wisconsin's Chippewa Valley, Minnesota's Twin Cities and Mankato areas, and nearby rural communities.
Generates revenue from deposit accounts, commercial and agricultural lending, residential mortgages, consumer loans, and related banking services. Commercial/agricultural real estate makes up most of the loan book, while mortgage and government-guaranteed lending have been recent bright spots in management commentary.
Executes as a local relationship bank shaped by conversions and in-market acquisitions. The business depends on gathering deposits and originating loans in competitive Upper Midwest markets where rates, service, technology, branch convenience, and responsiveness influence customer decisions.
Company facts
Categories
Key statistics
Year to date +20.3% · Average volume (30d) 44.6K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Target |
|---|---|---|---|---|---|
| Aug 7, 2026 | Citigroup | Downgrade | Neutral | ||
| Jul 10, 2026 | Hovde Group | Downgrade | Outperform | Market Perform | $24 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 27, 2026Q2 FY26 | $0.41 | $0.11 | −73.2% | $16.3M | $16.1M | −1.2% | 0.00% |
| Apr 27, 2026Q1 FY26 | $0.36 | $0.39 | +8.3% | $15.7M | $16.1M | +2.6% | +1.77% |
| Jan 26, 2026Q4 FY25 | $0.37 | $0.44 | +18.9% | $16.3M | $15.6M | −4.6% | −0.06% |
| Oct 27, 2025Q3 FY25 | $0.37 | $0.37 | 0.0% | $16.3M | $16.2M | −0.4% | −0.25% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $23.7M | $25.3M | $25.3M | $15.8M | $24.5M | $22.0M | |
| Gross profit | $14.4M | $14.8M | $15.6M | $4.4M | $15.2M | $13.5M | |
| Operating income | $4.0M | $4.0M | $4.5M | −$6.2M | $4.6M | −$1.4M | |
| Net income | $3.2M | $3.3M | $3.7M | $4.3M | $3.8M | $1.1M | |
| Diluted EPS | $0.32 | $0.33 | $0.37 | $0.44 | $0.39 | $0.11 | |
| Gross margin | 60.9% | 58.4% | 61.7% | 28.1% | 62.1% | 61.3% | |
| Operating margin | 16.8% | 16.0% | 17.9% | -39.6% | 18.9% | -6.2% |
Fiscal years (4-quarter sums)FY21 $80.1M · FY22 $80.2M · FY23 $94.4M · FY24 $99.4M · FY25 $90.1M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $121.8M · Total debt $51.9M · Total assets $1.81B · Shareholders' equity $191.3M
Dividends
Raised for 12 straight years. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 7, 2026 | Aug 7 | Aug 21 | $0.105 | |
| May 8, 2026 | May 8 | May 22 | $0.105 | |
| Feb 6, 2026 | Feb 6 | Feb 20 | $0.105 | cut from $0.36 |
| Feb 7, 2025 | Feb 7 | Feb 21 | $0.36 | raised from $0.32 |
| Feb 8, 2024 | Feb 9 | Feb 23 | $0.32 | raised from $0.29 |
| Feb 2, 2023 | Feb 3 | Feb 17 | $0.29 | raised from $0.26 |
| Feb 11, 2022 | Feb 14 | Feb 28 | $0.26 |
Ownership
Shares outstanding 9.64M · Float 8.05M · 83.5% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| Gale Hoese | 878.5K | 9.10% | 13D | Jul 29, 2026 |
| BlackRock, Inc. | 615.0K | 6.40% | 13G | Jul 27, 2026 |
| Wellington Management Group LLP | 594.0K | 6.16% | 13F | May 15, 2026 |
| Vanguard Capital Management | 521.6K | 5.41% | 13G | Apr 29, 2026 |
| Manufacturers Life Insurance Company, the | 484.2K | 5.02% | 13F | May 15, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 10, 2026 | Francis E. Felber | director | +500 | $20.25 |
| Aug 10, 2026 | Stephen M. Bianchi | director, officer: CEO and President | +1,000 | $20.50 |
| May 18, 2026 | Francis E. Felber | director | +500 | $20.60 |
| May 18, 2026 | James D. Moll | director | −2,000 | $20.58 |
| May 14, 2026 | James D. Moll | director | −3,000 | $21.00 |
Peers
- Nicolet Bankshares
Upper Midwest community bank with broad WI/MN overlap
- Associated Banc-Corp
Large Wisconsin-based regional bank across WI/MN
- Old National Bancorp
Bremer-expanded Midwest bank in MN/WI lending and deposits
- Bridgewater Bancshares
Twin Cities commercial bank focused on deposits and CRE
- Bank First
Wisconsin community bank for loans, deposits, and treasury
- Alerus Financial
Commercial wealth bank with Minnesota and Wisconsin offices
- Waterstone Financial
Southeast Wisconsin bank and mortgage lender
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Citizens Community Bancorp | $21.02 | +0.24% | $202.7M | 16.0 | 10.6 | 2.3 | −0.2% |
| Nicolet Bankshares | $171.74 | −0.02% | $2.97B | 19.1 | 13.3 | 5.7 | +227.9% |
| Associated Banc-Corp | $30.92 | −0.00% | $5.84B | 10.8 | 9.9 | 2.3 | +29.1% |
| Old National Bancorp | $25.85 | +0.02% | $9.89B | 11.4 | 9.5 | 2.5 | +12.3% |
| Bridgewater Bancshares | $21.32 | −0.07% | $594.5M | 11.6 | 10.8 | 2.3 | +14.5% |
| Bank First | $152.84 | +0.06% | $1.71B | 19.9 | 14.2 | 5.9 | +60.0% |
| Alerus Financial | $33.12 | −0.09% | $832.3M | 30.7 | 12.3 | 2.5 | +8.3% |
| Waterstone Financial | $21.07 | 0.00% | $380.4M | 12.2 | 8.9 | 2.3 | −86.0% |
| Median | 12.2 | 10.8 | 2.5 | +14.5% |