CZWI Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

03
Price $21.30
Market Cap (MRQ) $206M
P/E 14.6
EPS $1.46
Div Yield 1.8%
ROE 7.8%
52W Range $15–$24

CZWI Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

04
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10-Year Performance Revenue, net income, margins and EPS trends

06
EPS$1.46
2017-09-30 → 2025-12-31
Free Cash Flow$10M
2017-09-30 → 2025-12-31
Net margin23.1%
2017-09-30 → 2025-12-31
Valuation & Ratios 07–12

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric 5Y trend CZWI 5Y avg Peer Median Verdict
P/E 14.65Y avg ≈9.6 ≈9.6 12.4 Overvalued
P/S 3.35Y avg ≈2.3 ≈2.3 16.6 Undervalued
P/B (MRQ) 1.15Y avg ≈0.8 ≈0.8 1.3 Fair value
Price / FCF (TTM) 10.65Y avg ≈9.7 ≈9.7 · ·
Price / Cash Flow (TTM) 9.25Y avg ≈8.6 ≈8.6 11.1 Overvalued
Price / Tangible Book (MRQ) 1.15Y avg ≈1.0 ≈1.0 · ·
PEG Ratio ≈2.9 · · ·

Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.

value · ≈ 5Y avg · industry median · verdict relative to median

Dividends Yield, payout ratio, dividend history, 5Y CAGR

13
Dividend Yield1.8%
Payout Ratio24.9%
Annualized Payout≈$0.10Paid annually
5Y Div CAGR≈11.4%Per share, split-adjusted
Growth Streak≈6Consecutive years of dividend growth
Ex-dateAmountCurrencyYield
Aug 7, 2026$0.11USD≈1.5%
May 8, 2026$0.11USD≈0.98%
Feb 6, 2026$0.11USD≈2.5%
Feb 7, 2025$0.36USD≈2.3%
Feb 8, 2024$0.32USD≈2.8%
Feb 2, 2023$0.29USD≈2.3%
Feb 11, 2022$0.26USD≈1.6%
Feb 10, 2021$0.23USD≈2.1%
Feb 4, 2020$0.21USD≈1.8%
Feb 7, 2019$0.20USD≈1.7%
Feb 8, 2018$0.20USD≈1.5%
Mar 7, 2017$0.16USD≈1.3%
Mar 9, 2016$0.12USD≈1.3%
Mar 11, 2015$0.08USD≈0.89%
Mar 11, 2014$0.04USD≈0.49%
Apr 2, 2013$0.02USD≈0.29%
Aug 18, 2009$0.05USD≈3.9%
Apr 28, 2009$0.05USD≈3.3%
Feb 3, 2009$0.05USD≈2.9%
Oct 28, 2008$0.05USD≈3.3%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

14
Avg Surprise -5.1%
Next Report Oct 26, 2026
PeriodReportEPS ActualEPS EstSurprise
June 30, 2026 Jul 27, 2026 $0.11 $0.42 -74.0%
March 31, 2026 $0.39 $0.37 6.2%
Dec. 31, 2025 $0.44 $0.40 9.2%
Sept. 30, 2025 $0.37 $0.38 -2.0%
June 30, 2025 $0.33 $0.30 11.6%
March 31, 2025 $0.32 $0.27 18.4%

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

15
Income Statement 9
Metric Trend 20252024202320222021202020192018201720162015
Interest Expense ··$36M$13M$10M$14M$17M·$6M$5M$4M
Interest Income $88M$90M$84M$69M$64M$65M$60M·$28M$25M$23M
Pretax Income $17M$17M$19M$24M$29M$17M$12M·$4M$4M$4M
Income Tax $3M$4M$6M$6M$8M$5M$3M·$1M$1M$2M
Net Income $14M$14M$13M$18M$21M$13M$9M·$2M$3M$3M
EPS (Basic) $1.46$1.34$1.25$1.69$1.98$1.14$0.85·$0.47$0.49$0.54
EPS (Diluted) $1.46$1.34$1.25$1.69$1.98$1.14$0.85·$0.46$0.49$0.54
Shares (Basic) 9,899,00010,257,00010,469,00010,505,00010,71711,16211,114,328·5,361,8435,241,4585,208,708
Shares (Diluted) 9,907,00010,263,00010,470,00010,514,00010,72711,16211,121,289·5,378,3605,241,4585,208,708
Balance Sheet 17
Metric Trend 20252024202320222021202020192018201720162015
Cash & Equivalents $119M$50M$37M$35M$48M$119M$56M$46M$42M$10M$24M
PP&E (Net) $16M$17M$18M$20M$21M$21M$21M$14M$10M$5M$3M
PP&E (Gross) $33M$32M$31M$31M$30M$28M$27M$19M$15M$12M$10M
Accum. Depreciation $17M$15M$13M$10M$9M$7M$6M$6M$5M$6M$7M
Goodwill $31M$31M$31M$31M$31M$31M$31M$31M$10M$5M$0
Intangibles $395.0K$979.0K$2M$2M$4M$5M$8M$8M$5M$872.0K$104.0K
Other Non-current Assets ········$16M$11M$11M
Total Assets $1.78B$1.75B$1.85B$1.82B$1.74B$1.65B$1.53B$1.29B$941M$696M$580M
Other Non-current Liabilities ········$4M$3M$4M
Total Liabilities $1.59B$1.57B$1.68B$1.65B$1.57B$1.49B$1.38B$1.15B$867M$631M$519M
Long-term Debt $52M$67M·····$134M$120M$70M·
Common Stock $96.0K$100.0K$104.0K$104.0K$105.0K$111.0K$113.0K$109.0K$59.0K$53.0K$52.0K
Retained Earnings $90M$81M$71M$65M$51M$33M$23M$15M$11M$9M$7M
AOCI $-12M$-16M$-17M$-18M$161.0K$1M$-471.0K$-2M$-267.0K$614.0K$-214.0K
Stockholders' Equity $188M$179M$173M$167M$171M$161M$151M$138M$73M$65M$61M
Liabilities + Equity $1.78B$1.75B$1.85B$1.82B$1.74B$1.65B$1.53B$1.29B$941M$696M$580M
Shares Outstanding 9,617,2459,981,99610,440,59110,425,11910,502,44211,056,34911,266,95410,953,5125,888,8165,260,0985,232,579
Cash Flow 15
Metric Trend 20252024202320222021202020192018201720162015
Stock-based Comp $146.0K$631.0K······$31.0K$33.0K$59.0K
Deferred Tax $-1M$-739.0K·$506.0K$930.0K$-3M$-752.0K·$2M$472.0K$-140.0K
Amort. of Intangibles $584.0K$715.0K$755.0K$1M$2M$2M$1M·$219.0K$111.0K$57.0K
Operating Cash Flow $12M$20M$13M$29M$22M$24M$13M·$2M$6M$6M
CapEx $1M$889.0K$1M$4M$4M$3M$7M·$609.0K$961.0K$331.0K
Investing Cash Flow $46M$114M$-34M$-119M$-163M$-62M$-63M·$14M$49M$285.0K
Stock Issued ·····$0$3M····
Stock Repurchased $6M$6M$421.0K$2M$8M$3M$0·$16.0K··
Net Stock Activity $-6M$-6M$-421.0K$-2M$-8M$-3M$0·$-16.0K··
Dividends Paid $4M$3M$3M$3M$3M$2M$2M·$842.0K$629.0K$418.0K
Financing Cash Flow $11M$-121M$23M$78M$70M$102M$61M·$16M$-69M$6M
Net Change in Cash $69M$13M$2M$-12M$-72M$64M$10M·$32M$-14M$12M
Taxes Paid $2M··········
Free Cash Flow $10M$19M$12M$26M$18M$21M$6M·$3M$5M$5M
Levered FCF ··$-13M$16M$10M$11M$-7M·$-356.1K$1M$3M
Profitability 4
Metric Trend 20252024202320222021202020192018201720162015
Net Margin 23.1%24.3%22.3%26.6%30.6%18.5%16.2%·9.2%10.7%11.6%
Pretax Margin 28.0%30.8%32.3%35.3%41.7%25.1%21.0%·14.1%16.1%18.3%
ROA 0.82%0.76%0.71%1.0%1.3%0.80%0.67%·0.31%0.40%0.45%
ROE 7.8%7.7%7.7%10.8%12.6%8.0%6.3%·3.6%4.1%4.4%
Efficiency 1
Metric Trend 20252024202320222021202020192018201720162015
Asset Turnover 0.00.00.00.00.00.00.0·0.00.00.0
Per Share 7
Metric Trend 20252024202320222021202020192018201720162015
Book Value / Share $19.54$17.94$16.60$16.03$16.27$14.52$13.36·$12.48$12.27$11.57
Revenue / Share $6.29$5.51$5.60$6353.34$6478.14$6.16$5.26·$5.04$4.58$4.32
Cash Flow / Share $1.18$1.97$1.25$2785.62$2013.52$2.13$1.15·$0.73$1.09$1.11
Cash / Share $12.36$5.03$3.56$3.39$4.54$10.80$4.96·$7.08$1.91$4.56
Dividend / Share $0.36$0.32$0.29$0.26·······
Dividend Paid / Share $0.36$0.32$0.29$0.26$0.23$0.21$0.20·$0.16$0.12$0.08
EPS (TTM) $1.46$1.34$1.25$1.69$1.98$1.14$0.85·$0.46$0.49$0.54
Growth Rates 10
Metric Trend 20252024202320222021202020192018201720162015
Revenue YoY 10.2%-3.4%-12.3%-3.9%1.1%······
Revenue CAGR 3Y -2.3%-6.6%-5.2%········
Revenue CAGR 5Y -1.9%··········
EPS YoY 9.0%7.2%-26.0%-14.6%73.7%······
EPS CAGR 3Y -4.8%-12.2%3.1%········
EPS CAGR 5Y 5.1%··········
Net Income YoY 4.9%5.3%-26.5%-16.5%67.1%······
Net Income CAGR 3Y -6.7%-13.5%0.87%········
Net Income CAGR 5Y 2.5%··········
Dividends Paid CAGR 5Y 8.7%··········
Valuation (TTM) 13
Metric Trend 20252024202320222021202020192018201720162015
Revenue TTM $62M$57M$59M$67M$69M$69M$58M·$27M$24M$22M
Net Income TTM $14M$14M$13M$18M$21M$13M$9M·$2M$3M$3M
Market Cap $171M$163M$122M$125M$145M$120M$138M·$82M$59M$46M
P/E 12.212.29.47.17.09.614.4·30.322.816.4
P/S 2.72.92.11.92.11.82.4·3.02.52.1
P/B 0.90.90.70.80.80.70.9·1.10.90.8
P / Tangible Book 1.11.10.90.91.11.0·····
P / Cash Flow 14.78.19.34.36.75.110.7·21.010.38.0
P / FCF 16.58.410.44.98.15.722.7·24.812.48.5
Dividend Yield 2.1%2.1%2.5%2.2%1.7%2.0%1.6%·1.0%1.1%0.90%
Earnings Yield 8.2%8.2%10.7%14.1%14.4%10.5%7.0%·3.3%4.4%6.1%
Payout Ratio 24.9%24.3%23.3%15.4%11.8%18.6%23.2%·33.7%24.4%16.0%
Annual Payout $4M$3M$3M$3M$3M$2M$2M·$842.0K$629.0K$418.0K

Most recent period on the left · null values shown as ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

16
Metric 2025-12-312024-12-312023-12-312022-12-312021-12-31
Net Income $14M $14M $13M $18M $21M
Diluted EPS $1.46 $1.34 $1.25 $1.69 $1.98

Institutional owners (13F) 95 filers · $136.3M total · As of June 30, 2026

17

Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.

Holders 95
Value held $136.3M
New positions 15
Exited positions 6
Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
15 (+1 vs prior Q) 6 (-4 vs prior Q) 40 (+9 vs prior Q) 23 (-1 vs prior Q) -123K

Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.

Institution Value Shares % of tracked 13F Type
BlackRock, Inc. $14,797,145 632,627 10.85% Shares
MANUFACTURERS LIFE INSURANCE COMPANY, THE $11,246,894 480,842 8.25% Shares
VANGUARD GROUP INC $10,054,899 564,248 7.37% Shares
VANGUARD CAPITAL MANAGEMENT LLC $9,668,865 413,376 7.09% Shares
DIMENSIONAL FUND ADVISORS LP $8,800,803 376,262 6.45% Shares
Boston Partners $6,587,420 281,634 4.83% Shares
GENDELL JEFFREY L $5,808,181 248,319 4.26% Shares
GEODE CAPITAL MANAGEMENT, LLC $5,398,748 230,737 3.96% Shares
BANC FUNDS CO LLC $4,562,336 195,055 3.35% Shares
TWO SIGMA INVESTMENTS, LP $3,720,180 159,050 2.73% Shares
BRIDGEWAY CAPITAL MANAGEMENT, LLC $3,696,018 158,017 2.71% Shares
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP $3,451,428 147,560 2.53% Shares
Rhino Investment Partners, Inc $3,368,955 144,034 2.47% Shares
STATE STREET CORP $3,141,511 134,310 2.30% Shares
MACKENZIE FINANCIAL CORP $2,620,966 112,055 1.92% Shares
Daytona Street Capital LLC $2,510,917 109,911 1.84% Shares
RENAISSANCE TECHNOLOGIES LLC $2,507,408 107,200 1.84% Shares
RFG - Bristol Wealth Advisors, LLC $2,439,347 104,290 1.79% Shares
ALLIANCEBERNSTEIN L.P. $2,192,593 110,737 1.61% Shares
Pinnacle Holdings, LLC $2,134,618 91,262 1.57% Shares
NORTHERN TRUST CORP $1,734,696 74,164 1.27% Shares
O'SHAUGHNESSY ASSET MANAGEMENT, LLC $1,680,384 71,842 1.23% Shares
Empowered Funds, LLC $1,668,128 71,318 1.22% Shares
VANGUARD FIDUCIARY TRUST CO $1,501,264 64,184 1.10% Shares
VANGUARD PORTFOLIO MANAGEMENT LLC $1,455,700 62,236 1.07% Shares
HSBC HOLDINGS PLC $1,245,457 53,522 0.91% Shares
FIRST MANHATTAN CO. LLC. $1,230,875 52,624 0.90% Shares
RITHOLTZ WEALTH MANAGEMENT $1,218,792 52,107 0.89% Shares
CITADEL ADVISORS LLC $1,050,796 44,925 0.77% Shares
VICTORY CAPITAL MANAGEMENT INC $977,702 41,800 0.72% Shares
GOLDMAN SACHS GROUP INC $853,759 36,501 0.63% Shares
MORGAN STANLEY $816,532 34,909 0.60% Shares
AQR CAPITAL MANAGEMENT LLC $766,800 32,783 0.56% Shares
Bank of New York Mellon Corp $754,503 32,258 0.55% Shares
AMERIPRISE FINANCIAL INC $736,901 31,505 0.54% Shares
CHARLES SCHWAB INVESTMENT MANAGEMENT INC $717,909 30,693 0.53% Shares
COMMONWEALTH EQUITY SERVICES, LLC $698,900 29,880 0.51% Shares
BARCLAYS PLC $628,115 26,854 0.46% Shares
Nuveen, LLC $517,363 22,119 0.38% Shares
STRS OHIO $500,546 21,400 0.37% Shares
SEI INVESTMENTS CO $464,926 19,877 0.34% Shares
Trexquant Investment LP $460,572 19,691 0.34% Shares
OSAIC HOLDINGS, INC. $455,885 19,491 0.33% Shares
OCCUDO QUANTITATIVE STRATEGIES LP $444,878 19,020 0.33% Shares
BEESE FULMER INVESTMENT MANAGEMENT, INC. $439,966 18,810 0.32% Shares
PRUDENTIAL FINANCIAL INC $405,466 17,335 0.30% Shares
UBS Group AG $401,302 17,157 0.29% Shares
MILLENNIUM MANAGEMENT LLC $367,855 15,727 0.27% Shares
LOS ANGELES CAPITAL MANAGEMENT LLC $325,004 13,895 0.24% Shares
MARSHALL WACE, LLP $298,106 12,745 0.22% Shares

Show all 95 institutional owners →

Activists & 5%+ owners 3 positions

18

Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.

Filer Filed Stake Status Purpose Filing
Gale Hoese, Andrew Schornack, Jill Schornack, David Schornack, Denise Schornack, Jonathan Hoese, Tamara Retka, Noah Retka, Joseph Schornack ×4 filings July 29, 2026 9.10% Amendment Passive investment SEC
Phil Lifschitz ×4 filings Feb. 10, 2017 · Initial filing · SEC
FJ Capital Long/Short Equity Fund LLC, Compo Investment Partners LP, Martin S Friedman ×2 filings Feb. 17, 2012 · Initial filing · SEC

Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.

Company insiders 26 insiders · 7 officers · 9 directors

19
Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
Stephen M Bianchi CEO and President Aug. 10, 2026 P 54,480 1 0 $20,500
Edward H Schaefer Former CEO and President Aug. 22, 2016 S 30,000 0 0 $0
James S Broucek EVP/CFO/Treasurer/Secretary June 1, 2026 M 24,096 0 0 $0
Mark C. Oldenberg Chief Financial Officer July 5, 2017 M 23,532 0 0 $0
John D Zettler Chief Financial Officer Feb. 18, 2010 F 9,243 0 0 $0
Timothy J Cruciani Chief Operating Officer Dec. 13, 2011 P 28,719 0 0 $0
Johnny W Thompson Senior VP/ Asst. Secretary Oct. 31, 2006 A 8,985 0 0 $0
Francis E Felber Director Aug. 10, 2026 P 25,795 3 0 $41,025
Kathleen Skarvan Director May 8, 2026 P 2,050 2 0 $15,868
Timothy L Olson Director May 5, 2026 P 26,684 1 0 $20,940
Michael R Conner Director April 30, 2026 P 15,986 1 0 $23,045
David B Westrate Director Jan. 17, 2018 A 94,026 0 0 $0
Timothy A. Nettesheim Director Sept. 14, 2017 P 25,441 0 0 $0
Thomas C Kempen Director Dec. 28, 2009 P 17,541 0 0 $0
Donna E Talmage Director Oct. 31, 2006 A 2,468 0 0 $0
Martin S. Friedman 10% owner Aug. 19, 2024 D 876,594 0 0 $0
James D Moll · May 18, 2026 S 33,463 0 7 $-104,171
Rebecca Johnson · Jan. 23, 2026 M 6,954 0 0 $0
William Glen Bertrand · Oct. 31, 2024 D 2,900 0 0 $0
Nicholas William Amundsen · Jan. 25, 2024 A 3,814 0 0 $0
Kristina M Bourget · Jan. 25, 2024 A 18,949 0 0 $0
Michael L Swenson · Jan. 25, 2024 A 13,508 0 0 $0
Richard Mchugh · Jan. 19, 2023 A 190,600 0 0 $0
James R Lang · Jan. 27, 2022 A 6,408 0 0 $0
Brian R Schilling · Feb. 27, 2018 S 258 0 0 $0
James G Cooley · March 20, 2009 S 48,048 0 0 $0

Insiders from SEC Form 3/4/5 filings; net = open-market P/S only

ETF ownership Held by 20 ETFs

20

Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.

Fund Weight Units As of Source
IWC · iShares Trust 0.05% 32,572 SH Sept. 11, 2026 Daily
DFSV · Dimensional ETF Trust 0.01% 42,609 NS July 31, 2026 N-PORT
VTWO · VANGUARD SCOTTSDALE FUNDS 0.01% 53,419 SH Aug. 19, 2026 Daily
VTWV · VANGUARD SCOTTSDALE FUNDS 0.01% 8,042 SH Aug. 19, 2026 Daily
OMFS · Invesco Exchange-Traded Self-Indexe… 0.01% 1,000 SH Sept. 30, 2026 Daily
DFAT · Dimensional ETF Trust 0.01% 50,302 NS July 31, 2026 N-PORT
IWM · iShares Trust 0.01% 263,570 SH Sept. 11, 2026 Daily
RSSL · Global X Funds 0.01% 4,385 NS July 31, 2026 N-PORT
DFAS · Dimensional ETF Trust 0.00% 31,516 NS July 31, 2026 N-PORT
DFUV · Dimensional ETF Trust 0.00% 10,355 NS July 31, 2026 N-PORT
DFAC · Dimensional ETF Trust 0.00% 13,901 NS July 31, 2026 N-PORT
DFAU · Dimensional ETF Trust 0.00% 878 NS July 31, 2026 N-PORT
DFUS · Dimensional ETF Trust 0.00% 600 NS July 31, 2026 N-PORT
VXF · VANGUARD INDEX FUNDS 0.00% 112,122 SH Aug. 19, 2026 Daily
VTI · VANGUARD INDEX FUNDS 0.00% 290,835 SH Aug. 19, 2026 Daily
VTHR · VANGUARD SCOTTSDALE FUNDS 0.00% 775 SH Aug. 19, 2026 Daily
DFSU · Dimensional ETF Trust 0.00% 4 NS July 31, 2026 N-PORT
DCOR · Dimensional ETF Trust 0.00% 4 NS July 31, 2026 N-PORT
DXUV · Dimensional ETF Trust 0.00% 8 NS July 31, 2026 N-PORT
IWN · iShares Trust · 96,671 SH Sept. 11, 2026 Daily

CZWI Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

21
rating · 8 analysts BUY
Median target $22.25 +4.5%
2 25.0% Strong Buy
4 50.0% Buy
2 25.0% Hold
0 0.0% Sell
0 0.0% Strong Sell

12-Month Price Target

2 analysts · 2026-09-30

Mean target $22.25 +4.5%

← Below all targets Current price $21.30
Low$21.50 Mean$22.25 High$23.00

Peer comparison (GICS sub-industry) Key metrics vs sector peers

22

FY basis, prices as of each company's last fiscal year-end close.

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
CZWI $171M 12.2 10.2% 23.1% 7.8% ·
FCAP $198M 12.1 1.6% 228.3% 13.0% ·
RBKB $134M 13.1 -0.60% 336.6% 7.6% ·
BAFN · -1.2 -34.3% -39.0% · ·
TFC $62.13B 12.9 53.0% 26.1% 8.2% ·

My Metrics Your personal watchlist — selected rows from Full Fundamentals

26

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Source: SEC 10-Q filed Aug 6, 2026