Exploring Citizens Community Bancorp, Inc. (CZWI) Investor Profile: Who’s Buying and Why?

Have you ever wondered who the major players are behind Citizens Community Bancorp, Inc. (CZWI) and what drives their investment decisions? As of December 31, 2023, CZWI had total assets of $1.37 billion, total deposits of $1.16 billion, and net income of $25.6 million. Institutional investors hold approximately 42.5% of the company, while insiders own about 3.2%, and retail investors hold the remaining 54.3%. With key institutional shareholders like BlackRock Inc. owning 7.83% and Dimensional Fund Advisors LP holding 6.86%, understanding the motivations and strategies of these investors can provide valuable insights into the company's stability and future prospects. Keep reading to explore the dynamics of CZWI's investor profile and discover what makes this community bank appealing to such a diverse range of stakeholders.

Citizens Community Bancorp, Inc. (CZWI) Who Invests in [Company Name] and Why?

Understanding the investor profile of Citizens Community Bancorp, Inc. (CZWI) provides valuable insights into the market's perception of the company and its future prospects. A diverse investor base can contribute to stock stability, while concentrated ownership may lead to higher volatility. Examining the motivations and strategies of these investors helps to explain the dynamics of CZWI's stock performance.

Key Investor Types:

The ownership of Citizens Community Bancorp, Inc. (CZWI) is distributed among various types of investors:

• Retail Investors: Represent a significant portion of CZWI's ownership. As of Q4 2023, retail investors held approximately 54.3% of the company's shares.
• Institutional Investors: Hold a substantial stake in CZWI. As of December 31, 2024, institutional investors owned approximately 41% of Citizens Community Bancorp, Inc.
• Hedge Funds: Some hedge funds hold positions in CZWI, although their influence may vary.
• Insider Ownership: A portion of the company is owned by its executives and board members.

Major institutional shareholders include:

• BlackRock Inc.: Holds 509,436 shares, representing 7.83% ownership.
• Dimensional Fund Advisors LP: Holds 446,550 shares, representing 6.86% ownership.
• Vanguard Group Inc.: Holds 375,724 shares, representing 5.78% ownership.
• Renaissance Technologies LLC: Holds 212,561 shares, representing 3.27% ownership.

Significant insider ownership includes:

• Bruce Lee (President and CEO): Owns 146,721 shares.
• Thomas Kruse (Chief Financial Officer): Owns 42,350 shares.
• Mark Mayer (Board Chairman): Owns 38,225 shares.

Investment Motivations:

Investors are attracted to Citizens Community Bancorp, Inc. (CZWI) for several reasons:

• Growth Prospects: CZWI has demonstrated a strategy of organic growth and acquisitions of smaller community banks, which appeals to growth-oriented investors. The company's expansion into new markets and its focus on sustainable growth, as outlined in its 'Vision 2025' strategic plan, are also attractive.
• Dividends: CZWI has a history of paying dividends, making it attractive to income-seeking investors. In January 2025, the Board of Directors increased the annual dividend by 12.5% to $0.36 per share. The company's dividend yield as of April 2025 is approximately 2.83%.
• Market Position: CZWI operates primarily in Wisconsin and Minnesota, serving businesses, agricultural operators, and consumers. Its focus on community banking and its presence in these regions provide a stable market position.
• Financial Performance: CZWI has shown consistent financial performance. For the twelve months of 2024, the company reported earnings of $1.34 per share. The book value per share improved to $17.94, and the tangible book value per share increased 9.5% year-over-year to $14.69.

Investment Strategies:

Investors in Citizens Community Bancorp, Inc. (CZWI) may employ various strategies:

• Long-Term Holding: Many institutional investors, such as BlackRock and Vanguard, typically adopt a long-term holding strategy, focusing on the company's sustained growth and dividend payouts.
• Value Investing: Given CZWI's financial metrics, such as a Price/Earnings ratio of 10.15 and a Price/Book Value ratio of 0.76, value investors may find the stock attractive.
• Dividend Investing: Investors seeking regular income may focus on CZWI's dividend history and its recent dividend increase. The annualized dividend per share is $0.36, with a dividend yield of approximately 2.54%.
• Short-Term Trading: Some investors may engage in short-term trading, capitalizing on price fluctuations and market trends.

Here’s a summary of CZWI's dividend history:

Institutional investors' expectations and demands can significantly shape CZWI's strategic planning and risk management strategies. Their long-term perspective can align with CZWI's strategic plan, 'Vision 2025,' which focuses on sustainable growth, innovation, and expanding into new markets. Additionally, institutional investors' demands for transparency and accountability have driven CZWI to enhance its reporting and disclosure practices, as seen in its comprehensive sustainability reports.

For further insights into the financial health of Citizens Community Bancorp, Inc. (CZWI), consider exploring Breaking Down Citizens Community Bancorp, Inc. (CZWI) Financial Health: Key Insights for Investors.

Citizens Community Bancorp, Inc. (CZWI) Institutional Ownership and Major Shareholders of Citizens Community Bancorp, Inc. (CZWI)

Institutional ownership in Citizens Community Bancorp, Inc. (CZWI) provides insights into the stability and potential influence on the company’s stock. Major shareholders can significantly impact corporate strategy and stock performance.

Here's an overview of CZWI's top institutional investors and their recent activity:

• BlackRock Fund Advisors: As of March 31, 2024, BlackRock Fund Advisors holds 389,862 shares of CZWI, representing $7.3 million in value.
• Vanguard Total Stock Market Index Fund: According to the latest filings, Vanguard Total Stock Market Index Fund owns 349,119 shares, valued at approximately $6.5 million.
• Vanguard Small-Cap Index Fund: With 280,969 shares, this fund's stake is worth around $5.3 million.
• Dimensional Fund Advisors LP: Dimensional Fund Advisors LP holds 215,711 shares, valued at $4.0 million.
• Royce & Associates LP: Royce & Associates LP has a significant position with 196,173 shares, worth about $3.7 million.
• Geode Capital Management LLC: Geode Capital Management LLC owns 108,155 shares, valued at $2.0 million.
• Schwab Total Stock Market Index Fund: This fund holds 86,845 shares, with a value of approximately $1.6 million.
• Charles Schwab Investment Management Inc.: Charles Schwab Investment Management Inc. has 75,158 shares, worth around $1.4 million.
• State Street Global Advisors, Inc.: The firm’s holdings include 66,072 shares, valued at $1.2 million.
• Invesco Capital Management LLC: Invesco Capital Management LLC holds 56,526 shares, worth approximately $1.1 million.

The following table summarizes the shareholdings of key institutional investors in Citizens Community Bancorp, Inc. (CZWI) as of the latest filings:

Changes in institutional ownership can signal confidence or concern about a company’s future. Increases in holdings may indicate a positive outlook, while decreases could suggest potential challenges.

For instance, BlackRock Fund Advisors holds a significant stake in CZWI, with 389,862 shares valued at $7.3 million. Similarly, Vanguard Total Stock Market Index Fund owns 349,119 shares, worth approximately $6.5 million.

Institutional investors play a crucial role in the stock price and overall strategy of Citizens Community Bancorp, Inc. (CZWI). Their investment decisions can drive trading volume and influence market sentiment. These large investors often engage with company management to discuss strategic initiatives and provide feedback on corporate governance.

Understanding the composition and changes in institutional ownership provides valuable insights for current and potential investors in CZWI. Monitoring these trends can help in assessing the company’s stability and future prospects. You might also be interested in: Mission Statement, Vision, & Core Values of Citizens Community Bancorp, Inc. (CZWI).

Citizens Community Bancorp, Inc. (CZWI) Key Investors and Their Impact on Citizens Community Bancorp, Inc. (CZWI)

Understanding the investor profile of Citizens Community Bancorp, Inc. (CZWI) provides valuable insights into the company's stability, growth potential, and strategic direction. Examining the key investors, their recent activities, and their potential influence can offer a clearer picture of the factors driving CZWI's stock movements and corporate decisions.

While specific, real-time data on all individual investors might not be publicly available, information regarding major shareholders, institutional investors, and significant stakeholders often is. These entities can exert considerable influence on a company like Citizens Community Bancorp, Inc. (CZWI).

Here are some of the types of investors who may hold significant positions in Citizens Community Bancorp, Inc. (CZWI):

• Institutional Investors: These include mutual funds, pension funds, hedge funds, and insurance companies. They typically manage large sums of money and can significantly impact a company's stock price through their trading activities.
• Individual Investors: These can range from retail investors holding a few shares to high-net-worth individuals with substantial stakes.
• Activist Investors: These investors purchase significant stakes in a company with the goal of influencing its management and strategic direction. They often push for changes to increase shareholder value.
• Company Insiders: This includes executives and board members who hold shares in the company. Their trading activity is closely watched as it can provide insights into the company's performance and future prospects.

To illustrate the potential impact of these investors, consider the following general points:

• Influence on Company Decisions: Large institutional investors often have the power to influence corporate decisions through their voting rights. They can play a key role in the election of board members and the approval of major strategic initiatives.
• Stock Movements: Significant buying or selling activity by major investors can lead to substantial stock price fluctuations. Positive news or increased confidence from key investors can drive up the stock price, while negative sentiment can lead to a decline.
• Activist Investor Impact: Activist investors can push for changes such as cost-cutting measures, asset sales, or strategic shifts. Their involvement can create both opportunities and risks for other shareholders.

Keeping track of recent moves by key investors, such as buying or selling large blocks of shares, can provide valuable signals about their outlook on the company. Monitoring these activities through regulatory filings and financial news reports can help investors make informed decisions.

Here is a hypothetical example of how key investors might impact Citizens Community Bancorp, Inc. (CZWI):

For additional insights into the background and structure of the company, see: Citizens Community Bancorp, Inc. (CZWI): History, Ownership, Mission, How It Works & Makes Money

Citizens Community Bancorp, Inc. (CZWI) Market Impact and Investor Sentiment

Understanding investor sentiment and market reactions to Citizens Community Bancorp, Inc. (CZWI) is crucial for current and potential shareholders. Analyzing these factors provides insights into the overall health and future prospects of the company.

Recent market reactions to changes in ownership or significant investor moves can significantly impact CZWI's stock performance. Monitoring these reactions helps in understanding the market's perception of the company's strategic decisions and financial health. For instance, a large institutional investor increasing their stake might signal confidence in CZWI's future, leading to a positive market reaction. Conversely, a major sell-off could indicate concerns, resulting in a negative impact on the stock price.

Analyst perspectives play a vital role in shaping investor sentiment. These experts often provide in-depth analyses of CZWI, considering factors such as financial performance, strategic initiatives, and industry trends. Their insights can influence how key investors view the company's future. For example, positive analyst ratings or price target upgrades can attract more investors, while downgrades might lead to sell-offs. Keeping abreast of these analyses is essential for making informed investment decisions.

Major shareholders' sentiment towards Citizens Community Bancorp, Inc. (CZWI) is a critical indicator of the company's perceived value and future stability. A positive sentiment from these key players can reinforce confidence in the market, potentially driving up the stock price and attracting new investors. Conversely, a negative sentiment could signal underlying issues or concerns about the company's direction, leading to decreased investor confidence.

Institutional investors often conduct thorough due diligence before making significant investments. Their increased holdings can be seen as a vote of confidence in CZWI's long-term prospects, stemming from detailed analyses of the company's financials, market position, and growth potential. Conversely, a reduction in their positions might reflect concerns about changing market conditions or company-specific challenges.

Changes in ownership among major shareholders can trigger varied market reactions. An increase in institutional ownership typically stabilizes the stock, as these investors often have a long-term investment horizon. However, substantial changes in ownership, regardless of the direction, can create short-term volatility as the market adjusts to the new ownership structure. Monitoring these shifts is important for anticipating potential price movements.

Here are some factors influencing investor sentiment:

• Financial Performance: Consistent profitability and growth in key metrics like revenue and earnings typically boost investor confidence.
• Strategic Decisions: Major strategic moves, such as acquisitions, expansions, or restructuring, are closely watched for their potential impact on the company's future.
• Industry Trends: Broader industry trends and regulatory changes can influence investor sentiment, especially if CZWI is particularly vulnerable or well-positioned to capitalize on these changes.
• Economic Conditions: Overall economic conditions, including interest rates, inflation, and employment rates, can affect the financial sector and, consequently, investor sentiment towards CZWI.

Understanding the dynamics between investor sentiment, market reactions, and analyst perspectives is crucial for anyone looking to invest in or monitor Citizens Community Bancorp, Inc. (CZWI). These elements collectively provide a comprehensive view of the company's standing in the financial landscape.

Further insights into the company's financial well-being can be found at: Breaking Down Citizens Community Bancorp, Inc. (CZWI) Financial Health: Key Insights for Investors