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.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 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 item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 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 item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 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
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 0.72 | 1.40 | 0.90 | 1.45 | 0.84 | 1.67 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 17.3% | 21.2% | 31.0% | 24.7% | 26.6% | 26.4% |
| Return on assets | 0.8% | 0.8% | 0.7% | 1.0% | 1.2% | 0.8% |
| Return on equity | 7.7% | 7.7% | 7.5% | 10.6% | 12.4% | 7.9% |
| Return on invested capital | 6.0% | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | 0.28 | - | - | - | - | - |
| Debt / Assets | 0.03 | - | - | - | - | - |
| Debt / EBITDA | 2.66 | - | - | - | - | - |
| Interest coverage | - | - | 0.7x | 1.8x | 2.8x | 1.2x |
| Equity multiplier | 9.48 | 9.76 | 10.68 | 10.87 | 10.18 | 10.27 |
| Liabilities / Assets | 0.89 | 0.90 | 0.91 | 0.91 | 0.90 | 0.90 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 12.2x | 12.2x | 9.4x | 7.1x | 7.0x | 9.6x |
| P / B | 0.9x | 0.9x | 0.7x | 0.0x | 0.0x | 0.8x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 5.6x | 6.0x | 3.3x | -1.4x | -1.5x | 0.1x |
| 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 totalReportable 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
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-date | Per 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 |