This insider cluster is too small in dollar terms to warrant a trading thesis. Both transactions are likely personal portfolio moves — Moll's sales may reflect diversification or tax planning; Felber's buy is a modest vote of confidence. Continue to monitor the next 10-Q for N filing for loan loss trends and net interest margin, which are the real drivers for a community bank this size.
Price Chart
Executive Summary
Two directors at Citizens Community Bancorp made opposing trades: James Moll sold 2,900 shares ($60K) and Francis Felber bought 500 shares ($10K). The net $50K in sales is 0.03% of market cap — a trivial amount relative to the company's $198M market cap. There is no evidence of a coordinated bearish view — Moll's sales are small and potentially diversify his holdings, while Felber's purchase shows insider confidence at the margin.
Key Financial Metrics
Key Facts
- Director James Moll sold 2,900 shares total ($60,324) in two open-market sales on May 14 and May 18.
- Director Francis Felber purchased 500 shares ($10,300) on May 18 — a small directional counterweight.
- Net sales of ~$50K are just 0.03% of CZWI's $198M market cap, immaterial by any proportionality standard.
- No C-suite participation; both transactors are independent directors.
- The cluster is mixed in direction, with no signal of consensus insider bearishness.
Financial Impact
Total insider sales of ~$50K, or 0.03% of market cap; purchases of ~$10K. No material capital movement.
Risk Factors
- Insider sales are small but could increase in size or frequency; if they expand to C-suite starts selling, re-evaluate.
- CZWI's net interest margin faces compression risk if the Fed holds rates higher for longer. No insider signal on that.
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 1 SEC document filed with EDGAR.
| Document | Accession Number |
|---|---|
| CLUSTER Data (Synthetic) | cluster-CZWI-1779144125717 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 26, 2026 today | 8-K | — | awaiting T+20 | — | — |
Oct 26, 2026 today | Press Release | $21.47 | awaiting T+20 | — | $22.43 (+4.47%) |
Sep 2, 2026 7w ago | 8-K | $21.47 $21.20 | ▼ −1.26% | ▼ −1.10% | $22.43 (+4.47%) |
Jul 31, 2026 12w ago | 8-K | $22.00 $21.02 | ▼ −4.45% | ▼ −7.44% | $22.43 (+1.96%) |
Jul 27, 2026 13w ago | 8-K | $21.40 $20.88 | ▲ +2.43% | ▲ +5.73% | $22.43 (−4.82%) |
Jul 27, 2026 13w ago | Press Release | $21.40 $20.88 | ▲ +2.43% | ▲ +5.73% | $22.43 (−4.82%) |
May 18, 2026 22w ago | Insider Cluster | $20.31 $21.25 | ▲ +4.63% | ▲ +3.64% | $22.43 (+10.44%) |
May 15, 2026 23w ago | Insider Cluster | $20.51 $21.17 | ▲ +3.22% | ▲ +1.64% | $22.43 (+9.36%) |
May 14, 2026 23w ago | 144 | $20.93 $21.46 | ▲ +2.53% | ▲ +3.39% | $22.43 (+7.17%) |
May 4, 2026 24w ago | Insider Cluster | $20.93 $20.41 | ▼ −2.49% | ▼ −6.70% | $22.43 (+7.16%) |
US Market Status
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