CZWI Citizens Community Bancorp Inc. Insider Trading

Director Francis E Felber buys 500 CZWI shares at $20.60; 2 other insiders bought within 14 days

Francis E Felber, a director, purchased 500 shares of Citizens Community Bancorp Inc. at $20.60 on 2026-05-18, increasing his holdings from 20,950 to 21,450 shares. This purchase occurs within a cluster pattern where 2 other insiders also bought within the past 14 days, suggesting coordinated insider appetite. However, Felber's track record at this ticker is mixed: his prior buy on 2026-05-04 showed a 90d return of -0.1%, while an earlier buy on 2025-07-31 generated a 90d return of +6.1%, with 50% of his cross-ticker buys well-timed at the 90-day mark. The current stock price of $20.51 sits -9.3% from its 52-week high and has risen 10.6% over 90 days, positioning the stock in the upper half of its annual range. The company's P/E of 13.23 and $197.8M market cap indicate a small-cap financial institution with reasonable earnings ($3.8M net income), though individual insider motivation for this specific purchase cannot be inferred from price action or prior patterns alone.

Director Kathleen Skarvan purchases 750 shares in two trades; cluster shows four insiders buying within 14 days, stock near 52-week highs.

Kathleen Skarvan, a director at Citizens Community Bancorp, acquired 750 shares through two open-market purchases on the same date, adding meaningfully to her position. This transaction is part of a broader cluster in which four insiders purchased shares within a two-week window, making it noteworthy that multiple board members are buyers at the same time. The stock is currently trading near its 52-week high and has gained ground over recent months. Skarvan's own prior purchases at this company have been well-timed — her most recent purchase before this one saw the stock move higher afterward — and this new purchase follows that same pattern of buying. The company itself is profitable with solid quarterly earnings, suggesting the insider buying is occurring in a fundamentally sound business rather than a turnaround situation.

Director Olson buys $21K in CZWI shares amid cluster of three insider purchases in two weeks—coordinated conviction signal.

Timothy Olson, a director at Citizens Community Bancorp, purchased 1,000 shares at market price, representing a meaningful addition to his position, while the stock trades slightly below its recent highs but well above its annual lows—notably within a two-week window in which two other insiders have also made open-market purchases. The timing and coordination of multiple directors buying simultaneously, outside any obvious vesting event, suggests management's confidence in the company's valuation at this level. CZWI is a profitable bank trading at a reasonable valuation multiple with solid recent quarterly earnings, making this an insider buying into fundamentals rather than a distressed catch-up trade. The cluster pattern is more noteworthy than any individual purchase; Olson's buy is one part of a broader insider signal that the stock may offer value despite trading near recent highs.

Director Francis E. Felber purchases 1,000 shares of CZWI at market price during upward momentum.

Francis E. Felber, a director at Citizens Community Bancorp, purchased shares during a period when the stock has been on a meaningful recovery, trading just below its recent highs. The timing is noteworthy because insider buying often occurs during weakness or pullbacks—not during rallies—which makes this director's conviction to add shares despite upward momentum worth noting. The company itself is solidly profitable with reasonable valuation metrics, suggesting the director isn't betting on a turnaround story but rather supporting a company that already demonstrates financial health. However, a single director purchase of this magnitude represents modest conviction; the real signal would emerge if other insiders or board members follow with similar purchases in the coming weeks. Without corroborating activity, this remains a positive but isolated data point rather than a clear catalyst.

Director Conner Michael R buys ~1,100 shares of CZWI in open-market purchase.

Director Conner Michael R purchased approximately 1,100 shares at prevailing market rates, a modest addition representing less than 8% of his holdings. The timing is neutral—the stock is trading only slightly below its recent highs after a strong recent climb, which makes this purchase less striking than insider buying during sharp pullbacks. Citizens Community Bancorp remains a profitably operating regional bank with reasonable valuation metrics, so the director's willingness to buy is consistent with underlying financial health, though not necessarily a sign of compelling undervaluation. Without additional context on Conner's trading history or the broader pattern of insider activity at this company, this appears to be routine portfolio management rather than a concentrated conviction signal.

Director Conner Michael R buys 1,600 shares of CZWI at $15.03; 3 other insiders also bought within 14 days.

Director Conner Michael R purchased 1,600 shares at $15.03 on 2025-08-06, increasing his holdings by 12.0% from 13,286 to 14,886 shares. The transaction occurred near the top of the 52-week range ($12.06–$16.96), with the stock currently trading at $14.99, approximately 0.3% below the purchase price. A cluster pattern is present: 3 other insiders also bought within the past 14 days, suggesting coordinated or reinforcing confidence signals. At a P/E of 11.90 and market cap of $147,955,602.13, the valuation metrics are modest; however, without additional context on earnings trajectory or strategic initiatives, the cluster buy activity itself—rather than valuation—is the primary observable signal here.

Director Olson buys 1,471 CZWI shares at $14.99; prior two buys at this ticker both +13.8% and +24.8% at 90-day mark; cluster pattern detected.

Olson Timothy L, a director at Citizens Community Bancorp, purchased 1,471 shares on 2025-08-04 at $14.99, adding to holdings of 25,684 shares post-transaction. His prior two buys at CZWI—on 2024-05-06 and 2023-05-18—both delivered strong 90-day returns of 13.8% and 24.8% respectively, establishing a consistent pattern of well-timed entry points at this ticker. The current filing is notable because 2 other insiders also bought within the past 14 days, forming a cluster buy pattern. With the stock currently trading at $15.15 and within its 52-week range, the timing aligns with the insider's demonstrated track record of purchasing before upward moves, though the stock remains 10.7% below its 52-week high of $16.96.

Director Kathleen Skarvan purchases 1,000 shares of CZWI at $14.74; stake rises 333.3% to 1,300 shares

Director Kathleen Skarvan acquired 1,000 shares at $14.74, tripling her position from 300 to 1,300 shares—a significant net change of +333.3%. At the $14.90 current price, the stock trades at a P/E of 11.55 with a market cap of $148,836,055.30. Skarvan's cross-ticker track record shows 1 prior buy with an average 90d return of +17.2%, and her prior CZWI buy on 2023-06-12 delivered +6.1% over 30 days and +17.2% over 90 days, with that 90-day outcome indicating well-timed execution. The current transaction occurs 12.2% below the 52-week high, providing a lower entry point than recent months; however, the 90-day change is flat at 0.0%, suggesting the stock has traded sideways in the near term. The purchase represents a material increase in personal capital allocation to this issuer.

Director Felber bought 3,000 CZWI shares at $14.80, building position to 19,950 shares; prior buy at same ticker delivered 90d return +1.6%.

Francis E Felber, a director, purchased 3,000 shares of Citizens Community Bancorp Inc. at $14.80 on 2025-07-31, adding to his existing stake. This purchase increased his holdings by 17.7% from 16,950 to 19,950 shares. Notably, Felber has a single prior purchase at this same ticker (made on 2023-04-28) that generated a 90-day return of +1.6%, marking it as a well-timed entry. His cross-ticker track record shows 1 prior buy with a 100% 90-day win rate (average 90d return +1.6%), though the cross-ticker average 30-day return was -16.6%. The current stock price of $14.74 sits 13.1% below the 52-week high of $16.96, positioning this purchase near a relative low, while the P/E ratio of 11.43 reflects a modest valuation relative to the company's $3.2M net income and $147.2M market cap. The repeat accumulation at a discounted price level, combined with Felber's demonstrated patience on his prior CZWI purchase, provides some evidence of sustained confidence at current levels.

CEO Stephen M. Bianchi buys 250 CZWI shares at $13.60; stock up 18.1% in 90 days with 78.95% win rate on his prior buys.

Bianchi purchased 250 shares at $13.60, adding to his 53.4K share position. At CZWI, his prior 4 measurable trades showed 3 well-timed entries: the June purchase returned +20.3% over 90 days, May trades returned +1.7% and +0.9%, but March returned -7.9%. His cross-ticker track record shows an 78.95% 90-day win rate with average +14.8% returns; CZWI's current stock is +18.1% over 90 days, above his historical average. The company's P/E of 9.78 and market cap of $137.0M with net income of $3.7M remain as context. The timing of this buy—following a +8.6% move in the prior 30 days—occurs after recent momentum, not during weakness.