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CZWI

Citizens Community BancorpD
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Loan growth, NIM expansion, higher PPNR, stable tangible book value, and the dividend indicate the underlying franchise remains functional. A sustained decline in credit costs could restore earnings power.
Posture
Defensive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -1.0.
What can break
Credit losses may remain elevated if the newly nonaccrual loans require further reserves or charge-offs.
Momentum
35
Value
50
Sentiment
51
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $22.75 · Bull $25.00 · Bear $17.50Analysis 2026-07-30; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-26 • Vendor: Data Vendor v1
Scores
As of 2026-10-26 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-30 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-26

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-26. Definitions

Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $23.25
Why
Momentum35 · Δ7d -39.8
Value50 · Δ7d -1.0
Sentiment51 · Δ7d +20.5
So what
Weak posture (Net Neutral). Prioritize risk control and patience.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta -1.0.

Contradictions & invalidation

  • • Credit losses may remain elevated if the newly nonaccrual loans require further reserves or charge-offs.
  • • Deposits declined $11.2 million sequentially and the on-balance-sheet liquidity ratio fell to 14.3% from 16.2%. [#SEC-8K-2026-07-27]
  • • The Q2 result was dominated by three troubled loan relationships, higher reserves, a charge-off, and rising nonperforming and substandard loans.

Catalyst clock

2026-07-27

Q2 earnings reset exposes credit-cost shock

Lead driver: Value · See fundamentals
Momentum
35
8% active weight
Current posture
7d trendSoftening
Δ7d
-39.8
Δ21d
-
Value
50
47% active weight
Current posture
7d trendSoftening
Δ7d
-1.0
Δ21d
-1.5
Sentiment
51
45% active weight
Current posture
7d trendImproving
Δ7d
+20.5
Δ21d
-
Why this grade

Composite grade D. Momentum 34.6 / Value 49.9 / Sentiment 50.9

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-30. Scenario method

B+
Bull case
20%
Probability
Target price
$25.00
Analysis reference price unavailable
Analysis 2026-07-30 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$22.75
Analysis reference price unavailable
Analysis 2026-07-30 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$17.50
Analysis reference price unavailable
Analysis 2026-07-30 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-26
Market Cap
$218.96M
Beta
0.67
Shares Out
9.65M
P/E (TTM)
13.7
P/S (TTM)
2.83
P/FCF (TTM)
29.08
Rev YoY
-2.8%
EPS YoY
-65.1%
Gross Margin
-
Op Margin
+15.6%
Net Debt
-$66.1M
Current Ratio
0.10
As of 2026-10-26 • Updated nightlySource: Internal modelMethods & Data