Citizens Community Bancorp Inc. (CZWI) Financial Statements
Industry: Savings Institution, Federally Chartered
In fiscal 2025, Citizens Community Bancorp reported revenue of $62.3M, up 10.2% from $56.6M the year before. Net income was $14.4M (a 23.1% net margin), or $1.46 per diluted share. Net interest income was $51.2M, and the efficiency ratio (noninterest expense / revenue) was 68.9%. Operating activities generated $11.7M of cash, leaving $10.4M of free cash flow. At fiscal year end, Citizens Community Bancorp held $1.78B in total assets against $1.59B in total liabilities, including $118.9M of cash and equivalents.
Open the full interactive Citizens Community Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
Citizens Community Bancorp Key Stats
| Share Price | $21.23 |
|---|---|
| Market Cap | $204.8M |
| P/E Ratio | 14.5 |
| Revenue YoY Growth | +10.2% |
| 52-Week Range | $14.88 – $23.83 |
| Shares Outstanding | 9.6 million (basic, 2026 Q2) |
Citizens Community Bancorp Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $50.3M | $53.7M | $56.4M | $48.3M | $46.5M | $51.2M |
| Provision for Credit Losses | $7.8M | $0 | $1.5M | -$475,000 | -$3.2M | $1.8M |
| Noninterest Income | $18.4M | $15.8M | $10.4M | $10.2M | $10.1M | $11.1M |
| Noninterest Expense | $43.7M | $40.5M | $41.7M | $40.1M | $42.3M | $42.9M |
| Revenue | $68.7M | $69.5M | $66.8M | $58.6M | $56.6M | $62.3M |
| Pre-Tax Income | $17.3M | $29.0M | $23.6M | $18.9M | $17.4M | $17.4M |
| Income Tax | $4.6M | $7.7M | $5.8M | $5.9M | $3.7M | $3.0M |
| Net Income | $12.7M | $21.3M | $17.8M | $13.1M | $13.8M | $14.4M |
| Diluted EPS | $1.14 | $1.98 | $1.69 | $1.25 | $1.34 | $1.46 |
Citizens Community Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $16.2M | $15.8M | $16.1M | $16.1M |
| Net Income | $3.7M | $4.3M | $3.8M | $1.1M |
| Diluted EPS | $0.37 | $0.43 | $0.39 | $0.11 |
Citizens Community Bancorp Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $119.4M | $47.7M | $35.4M | $37.1M | $50.2M | $118.9M |
| Loans (Net) | — | — | — | $1.44B | $1.35B | $1.32B |
| Total Assets | $1.65B | $1.74B | $1.82B | $1.85B | $1.75B | $1.78B |
| Deposits | $1.30B | $1.39B | $1.42B | $1.52B | $1.49B | $1.52B |
| Total Long-Term Debt | $181.8M | $170.0M | $214.9M | $147.0M | $61.6M | $51.8M |
| Total Liabilities | $1.49B | $1.57B | $1.65B | $1.68B | $1.57B | $1.59B |
| Shareholders' Equity | $160.6M | $170.9M | $167.1M | $173.3M | $179.1M | $187.9M |
Citizens Community Bancorp Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $23.8M | $21.6M | $29.3M | $13.1M | $20.2M | $11.7M |
| Cash From Investing | -$61.8M | -$163.2M | -$119.2M | -$34.2M | $113.7M | $45.7M |
| Cash From Financing | $101.6M | $69.9M | $77.6M | $22.9M | -$120.9M | $11.3M |
| Free Cash Flow | $21.2M | $17.8M | $25.7M | $11.8M | $19.3M | $10.4M |
| Dividends Paid | $2.4M | $2.5M | $2.7M | $3.0M | $3.3M | — |
Figures from Citizens Community Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Citizens Community Bancorp financials page for every line item.
Citizens Community Bancorp Company Profile
| Ticker | CZWI |
|---|---|
| Exchange | Nasdaq |
| Industry | Savings Institution, Federally Chartered |
| Headquarters | Eau Claire, Wisconsin |
| Incorporated in | Maryland |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer, smaller reporting company |
| SEC CIK | 0001367859 |
Frequently Asked Questions
What was Citizens Community Bancorp's revenue in fiscal 2025?
Citizens Community Bancorp (CZWI) reported revenue of $62.3M for fiscal 2025.
What is Citizens Community Bancorp's annual revenue history?
Citizens Community Bancorp's annual revenue by fiscal year: 2020: $68.7M; 2021: $69.5M; 2022: $66.8M; 2023: $58.6M; 2024: $56.6M; 2025: $62.3M.
What was Citizens Community Bancorp's net income in fiscal 2025?
Citizens Community Bancorp reported net income of $14.4M for fiscal 2025.
What was Citizens Community Bancorp's earnings per share (EPS) in fiscal 2025?
Citizens Community Bancorp's diluted EPS was $1.46 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Citizens Community Bancorp generate in fiscal 2025?
Citizens Community Bancorp generated $10.4M of free cash flow in fiscal 2025.
What was Citizens Community Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), Citizens Community Bancorp reported revenue of $16.1M.
How much debt does Citizens Community Bancorp have?
Citizens Community Bancorp reported $51.8M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Citizens Community Bancorp are outstanding?
Citizens Community Bancorp reported a weighted average of 9.6 million basic shares outstanding in 2026 Q2.
What is Citizens Community Bancorp's market cap?
Based on its latest closing price, Citizens Community Bancorp (CZWI) has a market capitalization of about $204.8M.
When does Citizens Community Bancorp's fiscal year end?
Citizens Community Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is Citizens Community Bancorp headquartered?
Citizens Community Bancorp lists its business address in Eau Claire, Wisconsin in its SEC filings.
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