What if you'd held CZWI?
A $1,000 investment in Citizens Community Bancorp, Inc. (CZWI) at the month-end close of 2004-03 would be worth $2,325 at the close of 2026-08 — +132.5% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $6,844.
Your scenario
Result
If you'd bought $1,000 at the start of each year
Value of $1,000 invested on January 1 of each year, held to 2026-08, dividends included.
Every year, $1,000 from 2004
| Year | Value of $1,000 | Year return |
|---|---|---|
| 2004 | $1,000 | — |
| 2005 | $894 | -10.6% |
| 2006 | $671 | -25.0% |
| 2007 | $615 | -8.3% |
| 2008 | $504 | -18.1% |
| 2009 | $250 | -50.3% |
| 2010 | $292 | +16.5% |
| 2011 | $379 | +29.9% |
| 2012 | $443 | +16.9% |
| 2013 | $549 | +23.8% |
| 2014 | $681 | +24.1% |
| 2015 | $710 | +4.3% |
| 2016 | $945 | +33.1% |
| 2017 | $1,039 | +10.0% |
| 2018 | $851 | -18.1% |
| 2019 | $972 | +14.1% |
| 2020 | $881 | -9.3% |
| 2021 | $1,138 | +29.2% |
| 2022 | $1,010 | -11.2% |
| 2023 | $1,006 | -0.4% |
| 2024 | $1,439 | +42.9% |
| 2025 | $1,610 | +11.9% |
| 2026 | $1,922 | +19.4% |
Best and worst month-end to buy
The best single month-end close to have bought CZWI was 2009-11 ($2.58): $1,000 then is $8,120 today. The worst was 2026-06 ($23.28): $1,000 then is $900.
FAQ
What would $1,000 in CZWI be worth today?
A $1,000 investment in Citizens Community Bancorp, Inc. (CZWI) at the start of 2004 would be worth about $2,325 today, a total return of +132.5%. Dividends are reinvested in these figures.
What were the best and worst years for CZWI?
Citizens Community Bancorp, Inc. (CZWI)'s strongest calendar year since 2004 was 2024, a +42.9% return — $1,000 held through that year became about $1,429 by year-end. Its weakest year was 2009, at -50.3%.
Does the calculator include dividends and splits?
Yes where available. Prices are adjusted for both stock splits and reinvested dividends (total return), the same measure brokerages use.
How much would $100 per month in CZWI have grown?
Investing $100 at the end of every month since 2004-03 would have grown to about $76,565 on $27,000 invested.
Did CZWI beat the S&P 500?
Over the same period, $1,000 in the S&P 500 index would be worth $6,844. CZWI trailed the S&P 500 by +66.0% in total return.
Is this investment advice?
No. Wall Street Regrets is an entertainment and education tool. Every number is a historical calculation, not a prediction, and past performance never guarantees future results.
Methodology
Citizens Community Bancorp, Inc. (CZWI) historical total-return data from 2004-03 to 2026-08, reduced to month-end closes for the tables above.
Returns use adjusted close prices from Yahoo Finance historical data — adjusted for stock splits and reinvested dividends — the same convention used by major brokerages. A "year" scenario invests $1,000 at the prior December's month-end close and values it at the latest available month-end close. Non-USD amounts are converted at historical month-end exchange rates (Yahoo Finance): to USD on the buy date and back to your currency at the latest rate, so the return reflects the currency move as well as the asset.
Month-end resolution means intra-month extremes are not captured in tables; the calculator uses exact trading-day closes where daily data is available. Figures ignore taxes, fees, and the currency effects of non-USD listings. History is not a forecast. Wall Street Regrets is entertainment, not investment advice.
What if you'd held…
Data: adjusted close prices via Yahoo Finance. As of 2026-08. Not financial advice.