CoverageForm 410-K10-Q8-K13D13G13F

CZWI · Citizens Community Bancorp Inc. - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Price · CZWI

Income Statement

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenue------
Cost of Revenue------
Gross Profit------
R&D------
SG&A------
Total Operating Expenses------
D&A$2.03M$2.17M$2.37M$2.36M$2.25M$1.95M
Operating Income$17.44M$17.45M$23.58M$23.58M$28.96M$17.28M
Interest Expense--$35.90M$13.03M$10.37M$14.27M
Income Tax$3.02M$3.70M$5.87M$5.82M$7.69M$4.55M
Net Income$14.42M$13.75M$13.06M$17.76M$21.27M$12.72M
EPS - Basic$1.46$1.34$1.25$1.69$1.98$1.14
EPS - Diluted$1.46$1.34$1.25$1.69$1.98$1.14

Balance Sheet

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash & Equivalents$118.85M$50.17M$37.14M$35.36M$47.69M$119.44M
Accounts Receivable------
Inventory------
Accounts Payable------
Current Assets------
Total Assets$1.78B$1.75B$1.85B$1.82B$1.74B$1.65B
Current Liabilities------
Long-term Debt$51.80M-----
Total Liabilities$1.59B$1.57B$1.68B$1.65B$1.57B$1.49B
Stockholders' Equity$187.94M$179.08M$173.33M$167.09M$170.87M$160.56M
Retained Earnings$90.00M$80.84M$71.12M$65.40M$50.67M$32.81M

Cash Flow

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Operating Cash Flow$11.69M$20.18M$13.12M$29.29M$21.60M$23.79M
Investing Cash Flow$45.71M$113.74M($34.20M)($119.19M)($163.20M)($61.81M)
Financing Cash Flow$11.28M($120.88M)$22.86M$77.57M$69.85M$101.63M
CapEx$1.31M$889.0K$1.37M$3.60M$3.78M$2.57M
Free Cash Flow$10.38M$19.29M$11.76M$25.69M$17.82M$21.21M

Ratios

MetricFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Profitability
Gross margin------
Operating margin------
EBITDA margin------
Net margin------
Free cash flow margin------
FCF / Net income0.721.400.901.450.841.67
R&D / Revenue------
SG&A / Revenue------
Effective tax rate17.3%21.2%31.0%24.7%26.6%26.4%
Return on assets0.8%0.8%0.7%1.0%1.2%0.8%
Return on equity7.7%7.7%7.5%10.6%12.4%7.9%
Return on invested capital6.0%-----
Liquidity
Current ratio------
Quick ratio------
Cash ratio------
Leverage
Debt / Equity0.28-----
Debt / Assets0.03-----
Debt / EBITDA2.66-----
Interest coverage--0.7x1.8x2.8x1.2x
Equity multiplier9.489.7610.6810.8710.1810.27
Liabilities / Assets0.890.900.910.910.900.90
Efficiency
Asset turnover------
Inventory turnover------
Days sales outstanding------
Days inventory outstanding------
Days payable outstanding------
Cash conversion cycle------
Valuation
P / E12.2x12.2x9.4x7.1x7.0x9.6x
P / B0.9x0.9x0.7x0.0x0.0x0.8x
P / S------
EV / EBITDA5.6x6.0x3.3x-1.4x-1.5x0.1x
Growth
Revenue growth (YoY)------
Revenue CAGR (3y)------
Revenue CAGR (5y)------
Gross profit growth (YoY)------
Operating income growth (YoY)-0.1%-26.0%0.0%-18.6%67.6%40.8%
Net income growth (YoY)4.9%5.3%-26.5%-16.5%67.1%34.5%
EPS growth (YoY)9.0%7.2%-26.0%-14.6%73.7%34.1%
EPS CAGR (3y)-4.8%-12.2%3.1%25.7%50.6%35.3%
EPS CAGR (5y)5.1%9.5%16.6%29.7%32.2%17.9%
FCF growth (YoY)-46.2%64.0%-54.2%44.1%-16.0%249.7%
FCF CAGR (5y)-13.3%26.0%8.3%50.6%30.3%31.3%
Book value growth (YoY)4.9%3.3%3.7%-2.2%6.4%6.6%

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2025-12-31.

Business segments

$98.77M total
Reportable Segment$98.77M · 100.0%

Stability scores

Piotroski F-score

FY 2025 · 9-point quality

4/9
Neutral
  • Net income positive
  • Operating cash flow positive
  • ROA improved YoY
  • Cash flow > net income
  • -Long-term debt decreased
  • -Current ratio improved
  • No share dilution
  • -Gross margin improved
  • -Asset turnover improved

Peer comparison

Same SIC group: Savings Institution, Federally Chartered

CompanyRevenue (last FY)Net marginROE
CLBK$580.0K8925.2%4.5%
AX$65.79M658.0%16.1%
WNEB--6.2%
PFS$73.11M398.3%10.3%
TFSL--4.8%

Comparing Citizens Community Bancorp Inc. against the 5 most active filers in the same SIC group.

Dividends

$0.21/share trailing 12 months · -41.7% YoY

Ex-datePer share
May 8, 2026$0.1050
Feb 6, 2026$0.1050
Feb 7, 2025$0.3600
Feb 8, 2024$0.3200
Feb 2, 2023$0.2900
Feb 11, 2022$0.2600
Feb 10, 2021$0.2300
Feb 4, 2020$0.2100
Feb 7, 2019$0.2000
Feb 8, 2018$0.2000
Mar 7, 2017$0.1600
Mar 9, 2016$0.1200
Mar 11, 2015$0.0800
Mar 11, 2014$0.0400
Apr 2, 2013$0.0200
Aug 18, 2009$0.0500
Apr 28, 2009$0.0500
Feb 3, 2009$0.0500
Oct 28, 2008$0.0500
Jul 29, 2008$0.0500
Apr 29, 2008$0.0500
Jan 29, 2008$0.0500
Oct 30, 2007$0.0500
Jul 31, 2007$0.0500