Get started

Financials · CZWI

Citizens Community Bancorp Inc. (CZWI) financials

For the twelve months ended Jun 30, 2026, Citizens Community Bancorp Inc. reported $64.21M of revenue and $12.81M of net income.

Revenue, TTM
$64.21M
Revenue growth, YoY
+10.2%
Net income, TTM
$12.81M
Net income growth, YoY
+2.9%
Net margin
19.9%
Free cash flow, TTM
$19.35M
EPS, diluted, TTM
$1.31
EPS growth, YoY
+4.8%
Cash
$121.76M
Total debt
$51.88M
P/E
17.61
P/S
3.51
Market cap
$225.6M
Annual revenue$62.33M
FY2016FY2025
Annual net income$14.42M
FY2016FY2025
Annual free cash flow$10.38M
FY2016FY2025

CZWI revenue and earnings growth

CZWI revenueQ2 2026$16.11M

Quarter YoY
-0.2%
QoQ
+0.0%
FY YoY
+10.2%
5Y CAGR
-1.9%

CZWI revenue was $16.11M in fiscal Q2 2026 (ended Jun 30, 2026), down 0.2% from a year earlier and up 0.0% from the prior quarter. For the full fiscal 2025 it was $62.33M, up 10.2% from fiscal 2024. Compound annual growth was -1.9% over 5 years. It rose in 3 of the last 6 fiscal years.

CZWI net incomeQ2 2026$1.10M

Quarter YoY
-66.3%
QoQ
-70.7%
FY YoY
+4.9%
5Y CAGR
+2.5%

CZWI net income was $1.10M in fiscal Q2 2026 (ended Jun 30, 2026), down 66.3% from a year earlier and down 70.7% from the prior quarter. For the full fiscal 2025 it was $14.42M, up 4.9% from fiscal 2024. Compound annual growth was +2.5% over 5 years. It rose in 4 of the last 6 fiscal years.

CZWI EPSQ2 2026$0.11

Quarter YoY
-66.7%
QoQ
-71.8%
FY YoY
+9.0%

CZWI diluted EPS was $0.11 in fiscal Q2 2026 (ended Jun 30, 2026), down 66.7% from a year earlier and down 71.8% from the prior quarter. For the full fiscal 2025 it was $1.46, up 9.0% from fiscal 2024.

CZWI free cash flowQ2 2026$6.44M

QoQ
+89.0%
FY YoY
-46.8%
5Y CAGR
-13.3%

CZWI free cash flow was $6.44M in fiscal Q2 2026 (ended Jun 30, 2026), compared with -$632.0K a year earlier and up 89.0% from the prior quarter. For the full fiscal 2025 it was $10.38M, down 46.8% from fiscal 2024. Compound annual growth was -13.3% over 5 years. It rose in 3 of the last 6 fiscal years.

Export CSV

Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Sep 30, 2018
FY2017
Sep 30, 2017
FY2016
Sep 30, 2016
Revenue$62.33M$56.58M$58.60M$66.80M$69.49M$68.70M$58.49M$37.67M$27.02M$23.99M
Interest expense--$35.90M$13.03M$10.37M$14.27M$16.91M$8.59M$5.61M$5.01M
Pre-tax income$17.44M$17.45M$18.93M$23.58M$28.96M$17.28M$12.28M$6.61M$3.82M$3.86M
Income tax$3.02M$3.70M$5.87M$5.82M$7.69M$4.55M$2.81M$2.33M$1.32M$1.29M
Net income$14.42M$13.75M$13.06M$17.76M$21.27M$12.72M$9.46M$4.28M$2.50M$2.57M
EPS, basic$1.46$1.34$1.25$1.69$1.98$1.14$0.85$0.72$0.47$0.49
EPS, diluted$1.46$1.34$1.25$1.69$1.98$1.14$0.85$0.58$0.46$0.49
Diluted shares9.9M10.3M10.5M10.5M10,72711,16211.1M7.3M5.4M5.2M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Sep 30, 2018
FY2017
Sep 30, 2017
FY2016
Sep 30, 2016
Cash and equivalents$118.85M$50.17M$37.14M$35.36M$47.69M$119.44M$55.84M$34.49M$41.68M$10.05M
Goodwill$31.50M$31.50M$31.50M$31.50M$31.50M$31.50M$31.50M$10.44M$10.44M$4.66M
Total assets$1.78B$1.75B$1.85B$1.82B$1.74B$1.65B$1.53B$975.41M$940.66M$695.87M
Total debt$51.80M$66.61M-----$87.62M$120.32M$70.29M
Total liabilities$1.59B$1.57B$1.68B$1.65B$1.57B$1.49B$1.38B$839.56M$867.18M$631.32M
Shareholders' equity$187.94M$179.08M$173.33M$167.09M$170.87M$160.56M$150.55M$135.85M$73.48M$64.54M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Sep 30, 2018
FY2017
Sep 30, 2017
FY2016
Sep 30, 2016
Operating cash flow$11.69M$20.40M$13.12M$29.29M$21.60M$23.79M$12.84M$10.86M$1.91M$5.70M
Capital expenditures$1.31M$889.0K$1.37M$3.60M$3.78M$2.57M$6.77M$2.96M$609.0K$961.0K
Free cash flow$10.38M$19.51M$11.76M$25.69M$17.82M$21.21M$6.07M$7.90M$1.30M$4.74M
Investing cash flow$45.71M$113.74M-$34.20M-$119.19M-$163.20M-$61.81M-$63.33M-$49.46M$13.79M$49.27M
Financing cash flow$11.28M-$121.11M$22.86M$77.57M$69.85M$101.63M$60.56M$31.43M$15.93M-$68.80M
Dividends paid$3.60M$3.35M$3.04M$2.74M$2.51M$2.37M$2.20M$1.18M$842.0K$629.0K
Share repurchases$6.05M$6.10M$421.0K$1.76M$7.95M$2.82M$0$1.0K$16.0K-
Stock-based compensation$146.0K$631.0K------$31.0K$33.0K

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Sep 30, 2018
FY2017
Sep 30, 2017
FY2016
Sep 30, 2016
Revenue growth, YoY10.2%-3.4%-12.3%-3.9%1.1%17.5%55.3%39.4%12.6%6.7%
Net income growth, YoY4.9%5.3%-26.5%-16.5%67.1%34.5%120.9%71.4%-2.9%-8.3%
EPS growth, YoY9.0%7.2%-26.0%-73.7%--26.1%-6.1%-9.3%
Net margin23.1%24.3%22.3%26.6%30.6%18.5%16.2%11.4%9.2%10.7%
Free cash flow margin16.7%34.5%20.1%38.5%25.6%30.9%10.4%21.0%4.8%19.7%
Return on equity7.7%7.7%7.5%10.6%12.4%7.9%6.3%3.2%3.4%4.0%
Return on assets0.8%0.8%0.7%1.0%1.2%0.8%0.6%0.4%0.3%0.4%
Debt to equity0.280.37-----0.641.641.09

Source: XBRL data Citizens Community Bancorp Inc. files with the SEC, latest filing dated Aug 6, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

CZWI peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
CZWI$64.21M+10.2%$12.81M19.9%$225.6M
HSBC$68.27B+3.7%$23.13B33.9%$298.91B
AX$1.55B+23.0%$507.67M32.7%$5.26B
EBC$1.19B+61.8%$381.02M32.1%$5.22B
TFSL$343.73M+10.5%$102.06M29.7%$4.61B
PFS$924.11M+8.6%$310.15M33.6%$3.16B
BKU$1.13B+5.4%$273.97M24.3%$3.14B
CFFN$229.25M+19.4%$82.83M36.1%$1.06B

CZWI FAQ

8 questions
  • What is CZWI revenue?
    Citizens Community Bancorp Inc. (CZWI) reported $64.21M of revenue for the twelve months ended Jun 30, 2026. That is up 10.2% from the year before. Revenue for fiscal 2025 was $62.33M.
  • Is CZWI profitable?
    Yes. Citizens Community Bancorp Inc. earned $12.81M in net income for the twelve months ended Jun 30, 2026, a net margin of 19.9%.
  • How much cash and debt does CZWI have?
    Citizens Community Bancorp Inc. reported $121.76M in cash and cash equivalents and $51.88M of debt on its most recent balance sheet in SEC filings.
  • How fast is CZWI revenue growing?
    Citizens Community Bancorp Inc.'s revenue changed +10.2% in fiscal 2025, to $62.33M. Its compound annual growth rate was -1.9% over 5 years.
  • What is CZWI free cash flow?
    Citizens Community Bancorp Inc. generated $19.35M of free cash flow for the twelve months ended Jun 30, 2026, which is operating cash flow of $22.38M less capital expenditures.
  • What is CZWI earnings per share?
    Diluted earnings per share were $1.31 for the twelve months ended Jun 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did CZWI last report financial results?
    The latest statements here come from Citizens Community Bancorp Inc.'s 10-Q filed on Aug 6, 2026, covering the period ended Jun 30, 2026.
  • Where does this CZWI financial data come from?
    Quantisnow builds these statements from the structured XBRL data Citizens Community Bancorp Inc. files with the SEC. It is provided for information only and is not investment advice.