Should You Buy Citizens Community Bancorp Inc (CZWI) Today? Analysis, Price Targets, and 2026 Outlook.
Conclusion
Hold
Latest Price
18.140
1 Day change
0.75%
52 Week Range
18.990
Analysis Updated At
2026/01/28
CZWI is not a good buy right now for a beginner long-term investor who wants to enter immediately. Despite strong Q4 2025 growth, the stock is showing weakening momentum (bearish MACD expansion) and meaningful near-term selling pressure (including a very large increase in hedge-fund selling). I would wait rather than buy at the current post-market level (~17.74).
Technical Analysis
Price/Trend: Short-term momentum is deteriorating even though the broader moving-average structure remains bullish (SMA_5 > SMA_20 > SMA_200), which suggests the longer trend hasn’t fully broken. Momentum: MACD histogram is negative (-0.0552) and expanding lower, signaling increasing downside momentum. RSI(6) ~35.1 is near the lower end of neutral and approaching oversold, suggesting selling pressure but not a clear reversal signal yet. Levels: Pivot ~18.294; immediate support S1 ~17.801 (currently slightly below/around this zone) then S2 ~17.497. Resistance sits near 18.787 then 19.091. With price below the pivot and MACD worsening, the technical setup favors caution until it stabilizes above ~18.29.
Intellectia Proprietary Trading Signals:
- [AI Stock Picker](module://ai_stock_pick): No signal on given stock today.
- [SwingMax](module://swingmax): No signal on given stock recently.
Options Data
Positive Catalysts
Q4 2025 earnings showed strong YoY improvement: revenue +19.7%, net income +58.1%, EPS +63.0%. Asset quality looked stable with nonperforming assets flat at $16.7M. Deposits rose by $43.5M to $1.524B, driven by retail consumer and seasonal public deposits—supportive for balance-sheet stability.
Neutral/Negative Catalysts
Near-term price action is weak (notably a sharp pre-market drop indicated at -9.14% and continued softness), and MACD is bearish and worsening. Hedge funds are reported as selling aggressively (selling amount up 11809.09% QoQ), which is a significant sentiment headwind. No clear event-driven upside catalyst is present beyond the earnings release.
Financial Performance
Latest quarter: Q4 2025. Growth was strong: revenue increased to ~14.0M (+19.70% YoY), net income ~4.27M (+58.07% YoY), EPS $0.44 (+62.96% YoY). Operationally, deposits increased to $1.524B (+$43.5M in the quarter), and nonperforming assets were flat at $16.7M, indicating stable credit quality. Overall: fundamentals improved, but the market reaction/positioning appears cautious.
Growth
Profitability
Efficiency
Analyst Ratings and Price Target Trends
No analyst rating or price target change data was provided. Wall Street pro/con view cannot be quantified from the dataset; qualitatively, the ‘pro’ case is improving earnings and stable asset quality, while the ‘con’ case is current negative momentum and institutional/hedge-fund selling pressure. Politician/congress activity: No recent congress trading data available, and no influential-figure trading was reported.
Wall Street analysts forecast CZWI stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for CZWI is 0 USD with a low forecast of 0 USD and a high forecast of 0 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
Analyst Rating
0
Wall Street analysts forecast CZWI stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for CZWI is 0 USD with a low forecast of 0 USD and a high forecast of 0 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
