CZWI Citizens Community Bancorp, Inc. - Common Stock
$21.17
Price · Aug 18, 2026
Fundamentals as of Aug 6, 2026
52W Range
$15–$24
67% of range
Analyst Rating
BUY
8 analysts
Price Target
$22
+5% upside
P/E (TTM)
14.5
ROE
7.8%
Net Profit Margin
23.1%
CZWI Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$21.17
Market Cap
$204M
P/E (TTM)
14.5
EPS (TTM)
$1.46
Revenue (TTM)
—
Div Yield
1.8%
ROE
7.8%
Debt/Equity
—
52W Range
$15 – $24
CZWI Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
—
EPS
$1.46
2017-09-30
→
2025-12-31
Free Cash Flow
$10M
2017-09-30
→
2025-12-31
Margins
23.1%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
CZWI
Peer Median
P/E (TTM)
14.5
13.3
P/S (TTM)
3.3
1.8
P/B
1.1
0.9
Price / FCF
19.6
—
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
CZWI
Peer Median
Net Profit Margin
23.1%
22.8%
ROA
0.82%
0.93%
ROE
7.8%
8.5%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
CZWI
Peer Median
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
CZWI
Peer Median
Revenue YoY
10.2%
—
Revenue CAGR 3Y
-2.3%
—
Revenue CAGR 5Y
-1.9%
—
EPS YoY
9.0%
—
Net Income YoY
4.9%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
CZWI
Peer Median
Payout Ratio
24.9%
—
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield
1.8%
Payout Ratio
24.9%
5Y Div CAGR
—
| Ex-date | Amount |
|---|---|
| Aug. 7, 2026 | $0.1050 |
| May 8, 2026 | $0.1050 |
| Feb. 6, 2026 | $0.1050 |
| Feb. 7, 2025 | $0.3600 |
| Feb. 8, 2024 | $0.3200 |
| Feb. 2, 2023 | $0.2900 |
| Feb. 11, 2022 | $0.2600 |
| Feb. 10, 2021 | $0.2300 |
| Feb. 4, 2020 | $0.2100 |
| Feb. 7, 2019 | $0.2000 |
| Feb. 8, 2018 | $0.2000 |
| March 7, 2017 | $0.1600 |
| March 9, 2016 | $0.1200 |
| March 11, 2015 | $0.0800 |
| March 11, 2014 | $0.0400 |
| April 2, 2013 | $0.0200 |
| Aug. 18, 2009 | $0.0500 |
| April 28, 2009 | $0.0500 |
| Feb. 3, 2009 | $0.0500 |
| Oct. 28, 2008 | $0.0500 |
CZWI Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
BUY
8 analysts
- Strong Buy 2 25.0%
- Buy 5 62.5%
- Hold 1 12.5%
- Sell 0 0.0%
- Strong Sell 0 0.0%
12-Month Price Target
2 analysts · 2026-08-19
Median
$22.25
← Below all targets
$21.17
Low
$21.50
High
$23.00
Median target
$22.25
+5.1%
Mean target
$22.25
+5.1%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-0.03%
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| June 30, 2026 | $0.11 | $0.42 | -0.31% |
| March 31, 2026 | $0.39 | $0.37 | 0.02% |
| Dec. 31, 2025 | $0.44 | $0.40 | 0.04% |
| Sept. 30, 2025 | $0.37 | $0.38 | -0.01% |
| June 30, 2025 | $0.33 | $0.30 | 0.03% |
| March 31, 2025 | $0.32 | $0.27 | 0.05% |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| CZWI | $171M | 12.2 | 10.2% | 23.1% | 7.8% | — |
| RBKB | $134M | 13.1 | -0.60% | 336.6% | 7.6% | — |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 9
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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) | 9,899,000 | 10,257,000 | 10,469,000 | 10,505,000 | 10,717 | 11,162 | 11,114,328 | · | 5,361,843 | 5,241,458 | 5,208,708 | |
| Shares (Diluted) | 9,907,000 | 10,263,000 | 10,470,000 | 10,514,000 | 10,727 | 11,162 | 11,121,289 | · | 5,378,360 | 5,241,458 | 5,208,708 |
Balance Sheet 17
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 9,617,245 | 9,981,996 | 10,440,591 | 10,425,119 | 10,502,442 | 11,056,349 | 11,266,954 | 10,953,512 | 5,888,816 | 5,260,098 | 5,232,579 |
Cash Flow 15
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 |
Growth Rates 10
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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% | · | · | · | · | · | · | · | · | · | · | |
| Dividend CAGR 5Y | 8.7% | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM) 13
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 12.2 | 12.2 | 9.4 | 7.1 | 7.0 | 9.6 | 14.4 | · | 30.3 | 22.8 | 16.4 | |
| P/S | 2.7 | 2.9 | 2.1 | 1.9 | 2.1 | 1.8 | 2.4 | · | 3.0 | 2.5 | 2.1 | |
| P/B | 0.9 | 0.9 | 0.7 | 0.8 | 0.8 | 0.7 | 0.9 | · | 1.1 | 0.9 | 0.8 | |
| P / Tangible Book | 1.1 | 1.1 | 0.9 | 0.9 | 1.1 | 1.0 | · | · | · | · | · | |
| P / Cash Flow | 14.7 | 8.1 | 9.3 | 4.3 | 6.7 | 5.1 | 10.7 | · | 21.0 | 10.3 | 8.0 | |
| P / FCF | 16.5 | 8.4 | 10.4 | 4.9 | 8.1 | 5.7 | 22.7 | · | 24.8 | 12.4 | 8.5 | |
| 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 |
Income Statement 9
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | · | $11M | · | $10M | $9M | $7M | $5M | $4M | |
| Interest Income | $22M | $22M | $22M | $22M | $23M | $21M | $22M | $23M | $22M | $23M | $22M | $22M | $21M | $20M | $19M | $18M | |
| Pretax Income | $1M | $5M | $5M | $5M | $4M | $4M | $3M | $4M | $5M | $5M | $5M | $5M | $4M | $5M | $6M | $5M | |
| Income Tax | $135.0K | $877.0K | $614.0K | $853.0K | $777.0K | $777.0K | $656.0K | $899.0K | $1M | $1M | $978.0K | $3M | $1M | $1M | $2M | $1M | |
| Net Income | $1M | $4M | $4M | $4M | $3M | $3M | $3M | $3M | $4M | $4M | $4M | $2M | $3M | $4M | $5M | $4M | |
| EPS (Basic) | $0.11 | $0.39 | $0.44 | $0.37 | $0.33 | $0.32 | $0.28 | $0.32 | $0.35 | $0.39 | $0.35 | $0.24 | $0.31 | $0.35 | $0.45 | $0.38 | |
| EPS (Diluted) | $0.11 | $0.39 | $0.44 | $0.37 | $0.33 | $0.32 | $0.28 | $0.32 | $0.35 | $0.39 | $0.35 | $0.24 | $0.31 | $0.35 | $0.45 | $0.38 | |
| Shares (Basic) | 9,642,000 | 9,626,000 | -19,990,000 | 9,911,000 | 9,989,000 | 9,989,000 | -20,750,000 | 10,198,000 | 10,370,000 | 10,439,000 | -20,951,000 | 10,470,000 | 10,478,000 | 10,472,000 | -21,062,000 | 10,510,000 | |
| Shares (Diluted) | 9,647,000 | 9,634,000 | -20,012,000 | 9,921,000 | 9,997,000 | 10,001,000 | -20,757,000 | 10,204,000 | 10,373,000 | 10,443,000 | -20,956,000 | 10,470,000 | 10,478,000 | 10,478,000 | -21,088,000 | 10,519,000 |
Balance Sheet 15
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $122M | $149M | $119M | $82M | $67M | $100M | $50M | $37M | $37M | $29M | $37M | $33M | $43M | $65M | $35M | $29M | |
| PP&E (Net) | $17M | $16M | $16M | $16M | $16M | $17M | $17M | $17M | $18M | $18M | $18M | $19M | $20M | $20M | $20M | $21M | |
| PP&E (Gross) | · | · | $33M | · | · | · | $32M | · | · | · | $31M | · | · | · | $31M | · | |
| Accum. Depreciation | · | · | $17M | · | · | · | $15M | · | · | · | $13M | · | · | · | $10M | · | |
| Goodwill | $31M | $31M | $31M | $31M | $31M | $31M | $31M | $31M | $31M | $31M | $31M | $31M | $31M | $31M | $31M | $31M | |
| Intangibles | $169.0K | $282.0K | $395.0K | $508.0K | $621.0K | $800.0K | $979.0K | $1M | $1M | $2M | $2M | $2M | $2M | $2M | $2M | $3M | |
| Total Assets | $1.81B | $1.82B | $1.78B | $1.73B | $1.74B | $1.78B | $1.75B | $1.80B | $1.80B | $1.82B | $1.85B | $1.83B | $1.83B | $1.86B | $1.82B | $1.78B | |
| Total Liabilities | $1.62B | $1.63B | $1.59B | $1.54B | $1.55B | $1.60B | $1.57B | $1.62B | $1.63B | $1.65B | $1.68B | $1.67B | $1.66B | $1.70B | $1.65B | $1.62B | |
| Long-term Debt | $52M | $52M | $52M | · | · | · | $67M | · | · | · | · | · | · | · | · | · | |
| Common Stock | $97.0K | $96.0K | $96.0K | $99.0K | $100.0K | $100.0K | $100.0K | $101.0K | $103.0K | $104.0K | $104.0K | $105.0K | $105.0K | $105.0K | $104.0K | $105.0K | |
| Retained Earnings | $93M | $93M | $90M | $87M | $84M | $80M | $81M | $78M | $76M | $72M | $71M | $67M | $65M | $62M | $65M | $61M | |
| AOCI | $-12M | $-12M | $-12M | $-13M | $-15M | $-15M | $-16M | $-14M | $-17M | $-18M | $-17M | $-22M | $-19M | $-17M | $-18M | $-17M | |
| Stockholders' Equity | $191M | $191M | $188M | $187M | $183M | $180M | $179M | $180M | $176M | $173M | $173M | $165M | $166M | $165M | $167M | $163M | |
| Liabilities + Equity | $1.81B | $1.82B | $1.78B | $1.73B | $1.74B | $1.78B | $1.75B | $1.80B | $1.80B | $1.82B | $1.85B | $1.83B | $1.83B | $1.86B | $1.82B | $1.78B | |
| Shares Outstanding | 9,650,231 | 9,628,612 | 9,617,245 | 9,856,745 | 9,991,997 | 9,989,536 | 9,981,996 | 10,074,136 | 10,297,341 | 10,406,880 | 10,440,591 | 10,468,091 | 10,470,175 | 10,482,821 | 10,425,119 | 10,478,210 |
Cash Flow 13
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $8.0K | $4.0K | · | · | $34.0K | $68.0K | · | · | · | · | · | · | · | · | · | · | |
| Deferred Tax | · | · | · | · | · | · | · | · | · | · | · | · | $-328.0K | $457.0K | · | $-424.0K | |
| Amort. of Intangibles | $113.0K | $113.0K | $113.0K | $113.0K | $179.0K | $179.0K | $179.0K | $178.0K | $179.0K | $179.0K | $179.0K | $179.0K | $193.0K | $204.0K | $252.0K | $399.0K | |
| Operating Cash Flow | $8M | $4M | $4M | $7M | $-406.0K | $2M | $3M | $4M | $5M | $9M | $4M | $5M | $3M | $2M | $9M | $4M | |
| CapEx | $1M | $570.0K | $593.0K | $392.0K | $226.0K | $100.0K | $240.0K | $122.0K | $313.0K | $214.0K | $596.0K | $224.0K | $234.0K | $313.0K | $1M | $863.0K | |
| Investing Cash Flow | $-23M | $-14M | $-12M | $23M | $13M | $22M | $61M | $8M | $26M | $18M | $-10M | $-16M | $8M | $-16M | $-32M | $-26M | |
| Stock Repurchased | · | · | $4M | $2M | $0 | $0 | $1M | $3M | $1M | $598.0K | $304.0K | $0 | $117.0K | $0 | $785.0K | $691.0K | |
| Net Stock Activity | · | · | · | · | · | $0 | · | · | · | $-598.0K | · | · | · | $0 | · | · | |
| Dividends Paid | $1M | $1M | $0 | $0 | $0 | $4M | $0 | $0 | $0 | $3M | $0 | $0 | $0 | $3M | $0 | $0 | |
| Financing Cash Flow | $-12M | $40M | $45M | $-15M | $-45M | $27M | $-50M | $-12M | $-23M | $-36M | $11M | $603.0K | $-32M | $44M | $30M | $19M | |
| Net Change in Cash | $-27M | $30M | $36M | $15M | $-33M | $50M | $14M | $-254.0K | $8M | $-8M | $5M | $-10M | $-22M | $30M | $6M | $-2M | |
| Free Cash Flow | · | $3M | · | · | · | $2M | · | · | · | $9M | · | · | · | $2M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $392.9K | · | · | · | $-4M | · | · |
Profitability 4
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 6.8% | 23.3% | · | 22.7% | 20.2% | 22.5% | · | 23.1% | 27.2% | 27.0% | · | 17.0% | 22.0% | 24.3% | · | 23.6% | |
| Pretax Margin | 7.7% | 28.7% | · | 27.9% | 25.1% | 28.0% | · | 29.5% | 34.9% | 34.2% | · | 34.3% | 29.5% | 32.6% | · | 31.2% | |
| ROA | 0.06% | 0.21% | · | 0.21% | 0.18% | 0.18% | · | 0.18% | 0.20% | 0.22% | · | 0.14% | 0.18% | 0.20% | · | 0.23% | |
| ROE | 0.59% | 2.0% | · | 2.0% | 1.8% | 1.8% | · | 1.9% | 2.1% | 2.4% | · | 1.5% | 1.9% | 2.2% | · | 2.4% |
Efficiency 1
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Valuation (TTM) 11
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $65M | $63M | · | $61M | $58M | $57M | · | $58M | $58M | $60M | · | $61M | $63M | $65M | · | $67M | |
| Net Income TTM | $13M | $15M | · | $13M | $12M | $13M | · | $15M | $14M | $13M | · | $14M | $16M | $17M | · | $19M | |
| Market Cap | $226M | $191M | · | $158M | $138M | $144M | · | $143M | $119M | $126M | · | $100M | $93M | $111M | · | $128M | |
| P/E | 19.5 | 14.0 | · | 12.0 | 10.5 | 10.4 | · | 10.9 | 9.0 | 9.4 | · | 7.5 | 6.1 | 6.7 | · | 7.1 | |
| P/S | 3.5 | 3.0 | · | 2.6 | 2.4 | 2.5 | · | 2.5 | 2.1 | 2.1 | · | 1.6 | 1.5 | 1.7 | · | 1.9 | |
| P/B | 1.2 | 1.0 | · | 0.8 | 0.8 | 0.8 | · | 0.8 | 0.7 | 0.7 | · | 0.6 | 0.6 | 0.7 | · | 0.8 | |
| P / Tangible Book | 1.4 | 1.2 | · | 1.0 | 0.9 | 1.0 | · | 1.0 | 0.8 | 0.9 | · | 0.8 | 0.7 | 0.9 | · | 1.0 | |
| P / Cash Flow | · | 47.9 | · | · | · | 89.1 | · | · | · | 13.9 | · | · | · | 61.1 | · | · | |
| P / FCF | · | 56.0 | · | · | · | 94.9 | · | · | · | 14.2 | · | · | · | 73.8 | · | · | |
| Earnings Yield | 5.1% | 7.1% | · | 8.3% | 9.6% | 9.6% | · | 9.2% | 11.2% | 10.6% | · | 13.3% | 16.4% | 15.0% | · | 14.1% | |
| Payout Ratio | · | 26.9% | · | · | · | 112.5% | · | · | · | 81.8% | · | · | · | 83.0% | · | · |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Net Income | $14M | $14M | $13M | $18M | $21M |
| Diluted EPS | $1.46 | $1.34 | $1.25 | $1.69 | $1.98 |
Cash Flow
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Free Cash Flow | $10M | $19M | $12M | $26M | $18M |
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Institutional owners (13F) 97 filers · $100.7M total · As of June 30, 2026
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.
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 21 (+11 vs prior Q) | 6 (-4 vs prior Q) | 33 (+2 vs prior Q) | 23 (+1 vs prior Q) | +239K |
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 |
|---|---|---|---|---|
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $11,246,894 | 480,842 | 11.17% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $9,668,865 | 413,376 | 9.60% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $8,392,402 | 358,803 | 8.33% | Shares |
| GENDELL JEFFREY L | $5,808,181 | 248,319 | 5.77% | Shares |
| BANC FUNDS CO LLC | $4,562,336 | 195,055 | 4.53% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $4,549,083 | 194,411 | 4.52% | Shares |
| TWO SIGMA INVESTMENTS, LP | $3,720,180 | 159,050 | 3.69% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $3,696,018 | 158,017 | 3.67% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $3,451,428 | 147,560 | 3.43% | Shares |
| Rhino Investment Partners, Inc | $3,368,955 | 144,034 | 3.35% | Shares |
| STATE STREET CORP | $3,141,511 | 134,310 | 3.12% | Shares |
| MACKENZIE FINANCIAL CORP | $2,620,966 | 112,055 | 2.60% | Shares |
| Daytona Street Capital LLC | $2,510,917 | 109,911 | 2.49% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $2,507,408 | 107,200 | 2.49% | Shares |
| RFG - Bristol Wealth Advisors, LLC | $2,439,347 | 104,290 | 2.42% | Shares |
| ALLIANCEBERNSTEIN L.P. | $2,192,593 | 110,737 | 2.18% | Shares |
| Pinnacle Holdings, LLC | $2,134,618 | 91,262 | 2.12% | Shares |
| Boston Partners | $2,077,620 | 88,825 | 2.06% | Shares |
| O'SHAUGHNESSY ASSET MANAGEMENT, LLC | $1,680,384 | 71,842 | 1.67% | Shares |
| Empowered Funds, LLC | $1,668,128 | 71,318 | 1.66% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $1,501,264 | 64,184 | 1.49% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1,455,700 | 62,236 | 1.45% | Shares |
| HSBC HOLDINGS PLC | $1,245,457 | 53,522 | 1.24% | Shares |
| FIRST MANHATTAN CO. LLC. | $1,230,875 | 52,624 | 1.22% | Shares |
| RITHOLTZ WEALTH MANAGEMENT | $1,218,792 | 52,107 | 1.21% | Shares |
| VANGUARD GROUP INC | $1,078,181 | 60,504 | 1.07% | Shares |
| VICTORY CAPITAL MANAGEMENT INC | $977,702 | 41,800 | 0.97% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $751,409 | 32,125 | 0.75% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $717,909 | 30,693 | 0.71% | Shares |
| COMMONWEALTH EQUITY SERVICES, LLC | $698,900 | 29,880 | 0.69% | Shares |
| BARCLAYS PLC | $624,606 | 26,704 | 0.62% | Shares |
| STRS OHIO | $500,546 | 21,400 | 0.50% | Shares |
| Trexquant Investment LP | $460,572 | 19,691 | 0.46% | Shares |
| OCCUDO QUANTITATIVE STRATEGIES LP | $444,878 | 19,020 | 0.44% | Shares |
| BEESE FULMER INVESTMENT MANAGEMENT, INC. | $439,966 | 18,810 | 0.44% | Shares |
| UBS Group AG | $401,302 | 17,157 | 0.40% | Shares |
| CITADEL ADVISORS LLC | $399,384 | 17,075 | 0.40% | Shares |
| MILLENNIUM MANAGEMENT LLC | $367,855 | 15,727 | 0.37% | Shares |
| PRUDENTIAL FINANCIAL INC | $342,313 | 14,635 | 0.34% | Shares |
| LOS ANGELES CAPITAL MANAGEMENT LLC | $325,004 | 13,895 | 0.32% | Shares |
| BlackRock, Inc. | $323,998 | 13,852 | 0.32% | Shares |
| GOLDMAN SACHS GROUP INC | $311,017 | 13,297 | 0.31% | Shares |
| BANK OF AMERICA CORP /DE/ | $286,107 | 12,232 | 0.28% | Shares |
| Bank of New York Mellon Corp | $264,471 | 11,307 | 0.26% | Shares |
| &PARTNERS | $261,968 | 11,200 | 0.26% | Shares |
| Cetera Investment Advisers | $231,938 | 9,916 | 0.23% | Shares |
| Centiva Capital, LP | $230,462 | 9,853 | 0.23% | Shares |
| Nuveen, LLC | $226,883 | 9,700 | 0.23% | Shares |
| Congress Wealth Management LLC / DE / | $206,870 | 14,990 | 0.21% | Shares |
| DEUTSCHE BANK AG\ | $186,676 | 7,981 | 0.19% | Shares |
| MORGAN STANLEY | $181,354 | 7,753 | 0.18% | Shares |
| AMERIPRISE FINANCIAL INC | $180,196 | 7,704 | 0.18% | Shares |
| RHUMBLINE ADVISERS | $176,194 | 7,533 | 0.17% | Shares |
| MetLife Investment Management, LLC | $131,101 | 5,605 | 0.13% | Shares |
| OSAIC HOLDINGS, INC. | $105,255 | 4,500 | 0.10% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $102,916 | 4,400 | 0.10% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $99,267 | 4,244 | 0.10% | Shares |
| CITIGROUP INC | $86,824 | 3,712 | 0.09% | Shares |
| Vanguard Global Advisers, LLC | $84,555 | 3,615 | 0.08% | Shares |
| Police & Firemen's Retirement System of New Jersey | $50,803 | 2,172 | 0.05% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $34,804 | 1,488 | 0.03% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $34,103 | 1,458 | 0.03% | Shares |
| Tower Research Capital LLC (TRC) | $32,068 | 1,371 | 0.03% | Shares |
| CWM, LLC | $31,482 | 1,590 | 0.03% | Shares |
| NORTHERN TRUST CORP | $30,477 | 1,303 | 0.03% | Shares |
| Russell Investments Group, Ltd. | $28,892 | 1,235 | 0.03% | Shares |
| Center for Financial Planning, Inc. | $23,390 | 1,000 | 0.02% | Shares |
| Ameritas Investment Partners, Inc. | $22,922 | 980 | 0.02% | Shares |
| Legal & General Group Plc | $20,162 | 862 | 0.02% | Shares |
| WELLS FARGO & COMPANY/MN | $10,619 | 454 | 0.01% | Shares |
| FMR LLC | $10,572 | 452 | 0.01% | Shares |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $10,157 | 513 | 0.01% | Shares |
| JONES FINANCIAL COMPANIES LLLP | $7,462 | 317 | 0.01% | Shares |
| Arax Advisory Partners | $6,713 | 287 | 0.01% | Shares |
| ACADIAN ASSET MANAGEMENT LLC | $6,567 | 281,294 | 0.01% | Shares |
| ROYAL BANK OF CANADA | $6,000 | 246 | 0.01% | Shares |
| PNC Financial Services Group, Inc. | $5,426 | 232 | 0.01% | Shares |
| UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC | $4,217 | 213 | 0.00% | Shares |
| Sterling Capital Management LLC | $4,070 | 174 | 0.00% | Shares |
| MARSHALL WACE, LLP | $3,416 | 146 | 0.00% | Shares |
| Allworth Financial LP | $2,994 | 128 | 0.00% | Shares |
| Farther Finance Advisors, LLC | $2,901 | 124 | 0.00% | Shares |
| Integrated Wealth Concepts LLC | $2,755 | 118 | 0.00% | Shares |
| Clearstead Advisors, LLC | $2,503 | 107 | 0.00% | Shares |
| IFP Advisors, Inc | $1,286 | 55 | 0.00% | Shares |
| JPMORGAN CHASE & CO | $1,054 | 45 | 0.00% | Shares |
| GAMMA Investing LLC | $1,006 | 43 | 0.00% | Shares |
| ROTHSCHILD INVESTMENT LLC | $748 | 32 | 0.00% | Shares |
| Essential Partners LLC | $608 | 26 | 0.00% | Shares |
| Physician Wealth Advisors, Inc. | $562 | 24 | 0.00% | Shares |
| SEI INVESTMENTS CO | $330 | 14 | 0.00% | Shares |
| True Wealth Design, LLC | $188 | 8 | 0.00% | Shares |
| EverSource Wealth Advisors, LLC | $140 | 6 | 0.00% | Shares |
| SJS Investment Consulting Inc. | $94 | 4 | 0.00% | Shares |
| JPL Wealth Management, LLC | $71 | 3 | 0.00% | Shares |
| Fortitude Family Office, LLC | $47 | 2 | 0.00% | Shares |
| Wealth Enhancement Trust Services, Inc. | $47 | 2 | 0.00% | Shares |
Company insiders 25 insiders · 6 officers · 4 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| 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 |
| 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 |
| Francis E Felber | — | Aug. 10, 2026 P | 25,795 | 1 | 0 | $10,125 |
| Stephen M Bianchi | — | Aug. 10, 2026 P | 54,480 | 1 | 0 | $20,500 |
| James D Moll | — | May 18, 2026 S | 33,463 | 0 | 7 | $-104,171 |
| Rebecca Johnson | — | Jan. 23, 2026 M | 6,954 | 0 | 0 | $0 |
| Michael R Conner | — | Aug. 6, 2025 P | 14,886 | 0 | 0 | $0 |
| Timothy L Olson | — | Aug. 4, 2025 P | 25,684 | 0 | 0 | $0 |
| Kathleen Skarvan | — | July 31, 2025 P | 1,300 | 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
Activists & 5%+ owners 3 positions
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.
ETF ownership Held by 26 ETFs
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% | 31,489 SH | Aug. 8, 2026 | Daily |
| GSSC · Goldman Sachs ETF Trust | 0.03% | 13,317 NS | May 31, 2026 | N-PORT |
| IWN · iShares Trust | 0.01% | 96,301 SH | Aug. 8, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 53,419 SH | Aug. 8, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.01% | 8,042 SH | Aug. 8, 2026 | Daily |
| DFSV · Dimensional ETF Trust | 0.01% | 28,574 NS | April 30, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.01% | 50,028 NS | April 30, 2026 | N-PORT |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.01% | 1,006 SH | Aug. 8, 2026 | Daily |
| IWM · iShares Trust | 0.01% | 263,031 SH | Aug. 8, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 4,028 NS | April 30, 2026 | N-PORT |
| ITWO · ProShares Trust | 0.00% | 437 NS | May 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.00% | 31,516 NS | April 30, 2026 | N-PORT |
| AVSC · AMERICAN CENTURY ETF TRUST | 0.00% | 3,930 NS | May 31, 2026 | N-PORT |
| UWM · ProShares Trust | 0.00% | 341 NS | May 31, 2026 | N-PORT |
| URTY · ProShares Trust | 0.00% | 344 NS | May 31, 2026 | N-PORT |
| DFUV · Dimensional ETF Trust | 0.00% | 10,355 NS | April 30, 2026 | N-PORT |
| HDG · ProShares Trust | 0.00% | 9 NS | May 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 13,901 NS | April 30, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 878 NS | April 30, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 600 NS | April 30, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 112,122 SH | Aug. 8, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 290,835 SH | Aug. 8, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 775 SH | Aug. 8, 2026 | Daily |
| DFSU · Dimensional ETF Trust | 0.00% | 4 NS | April 30, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 4 NS | April 30, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 8 NS | April 30, 2026 | N-PORT |