CZWI

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Citizens Community Bancorp, Inc.

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Key Metrics

Previous Close: $20.95
52-Week Range: $14.61 – $24.43
Market Cap: $201.64M
P/E (TTM): 15.95
EPS (TTM): 1.31
Dividend Yield: 1.50%

Advanced Metrics

Price/Book: 1.66
PEG Ratio: —
Return on Equity: 6.83%
Return on Assets: 0.72%
Gross Margin: 0.00%
Operating Margin: 16.56%
Profit Margin: 21.98%
Current Ratio: —
Debt/Equity: —
Total Debt: $147.50M
Free Cash Flow: —
Revenue Growth: 25.10%
Earnings Growth: -60.90%
Enterprise Value: $328.78M

CZWI Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$67.19M	$58.54M	$56.29M	$62.29M
Selling, General & Admin	$23.61M	$22.65M	$24.33M	$25.55M
Pretax Income	$23.58M	$18.93M	$17.45M	$17.44M
Income Tax	$5.82M	$5.87M	$3.70M	$3.02M
Net Income	$17.76M	$13.06M	$13.75M	$14.42M
Diluted EPS	1.69	1.25	1.34	1.46
Diluted Shares	10.51M	10.47M	10.26M	9.88M

CZWI Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$35.61M	$37.14M	$50.17M	$118.85M
Receivables	$5.29M	$5.41M	$5.65M	$6.13M
Total Assets	$1.82B	$1.85B	$1.75B	$1.78B
Long-Term Debt	$72.41M	$67.47M	$61.61M	$51.80M
Total Debt	$214.94M	$147.00M	$66.61M	$51.80M
Total Liabilities	$1.65B	$1.68B	$1.57B	$1.59B
Retained Earnings	$65.40M	$71.12M	$80.84M	$90.00M
Shareholders' Equity	$167.09M	$173.33M	$179.08M	$187.94M
Net Debt	$179.33M	$109.86M	$16.43M	—

CZWI Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$29.29M	$13.12M	$20.40M	$11.69M
Capital Expenditure	-$3.60M	-$1.37M	-$889.00K	-$1.31M
Free Cash Flow	$25.69M	$11.76M	$19.51M	$10.38M
Depreciation & Amortisation	$4.03M	$3.74M	$3.42M	$3.23M
Stock-Based Compensation	$3.00K	$0.00	—	—
Investing Cash Flow	-$119.19M	-$34.20M	$113.74M	$45.71M
Financing Cash Flow	$77.57M	$22.86M	-$121.11M	$11.28M
Dividends Paid	-$2.74M	-$3.04M	-$3.35M	-$3.60M
Share Repurchases	-$1.91M	-$550.00K	-$6.22M	-$6.25M
Net Change in Cash	-$12.33M	$1.77M	$13.03M	$68.68M

CZWI Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$16.15M	$16.24M	$15.72M	$16.11M	—
Selling, General & Admin	$6.39M	$6.74M	$6.46M	$6.52M	—
Pretax Income	$4.05M	$4.54M	$4.88M	$4.63M	—
Income Tax	$777.00K	$853.00K	$614.00K	$877.00K	—
Net Income	$3.27M	$3.68M	$4.27M	$3.75M	—
Diluted EPS	0.33	0.37	0.44	0.39	0.11
Diluted Shares	10.00M	9.95M	9.71M	9.63M	10.02M

CZWI Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$100.20M	$67.45M	$82.43M	$118.85M	$149.20M
Receivables	$5.93M	$6.12M	$6.16M	$6.13M	$5.83M
Total Assets	$1.78B	$1.74B	$1.73B	$1.78B	$1.82B
Long-Term Debt	$61.66M	$61.72M	$46.76M	$51.80M	$51.84M
Total Debt	$61.66M	$61.72M	$46.76M	$51.80M	$51.84M
Total Liabilities	$1.60B	$1.55B	$1.54B	$1.59B	$1.63B
Retained Earnings	$80.44M	$83.71M	$86.91M	$90.00M	$92.74M
Shareholders' Equity	$180.05M	$183.46M	$186.81M	$187.94M	$190.87M

CZWI Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$1.61M	-$406.00K	$6.63M	$3.85M	$3.98M
Capital Expenditure	-$100.00K	-$226.00K	-$392.00K	-$593.00K	-$570.00K
Free Cash Flow	$1.51M	-$632.00K	$6.24M	$3.26M	$3.41M
Depreciation & Amortisation	$845.00K	$845.00K	$779.00K	$765.00K	$748.00K
Stock-Based Compensation	$68.00K	$34.00K	$33.00K	—	$4.00K
Investing Cash Flow	$21.66M	$12.87M	$23.23M	-$12.05M	-$14.10M
Financing Cash Flow	$26.75M	-$45.21M	-$14.88M	$44.62M	$40.47M
Dividends Paid	-$3.60M	$0.00	$0.00	$0.00	-$1.01M
Share Repurchases	-$183.00K	-$7.00K	-$2.02M	-$4.04M	-$89.00K
Net Change in Cash	$50.03M	-$32.74M	$14.98M	$36.42M	$30.35M

Market Snapshot

About

Citizens Community Bancorp, Inc. is a bank holding company headquartered in Eau Claire, Wisconsin. The company operates through its subsidiary, Citizens Community Federal N.A., providing traditional community banking services to customers in west-central and northwestern Wisconsin. The bank offers deposit products, residential and commercial real estate lending, consumer loans, and business banking services. Citizens Community Bancorp focuses on relationship-based banking with emphasis on local decision-making and community involvement.