What is Citizens Community Bancorp's earnings per share (EPS)?

Citizens Community Bancorp (CZWI) reported diluted earnings per share of $1.46 for fiscal year 2025. This represents a 9.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Citizens Community Bancorp Financials

CZWI

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Citizens Community Bancorp (CZWI) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 52/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Citizens Community Bancorp's revenue declined 2.2% year-over-year, from $89.6M to $87.6M. This contraction results in a growth score of 30/100.

Leverage

Citizens Community Bancorp carries a low D/E ratio of 0.28, meaning only $0.28 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 96/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

Citizens Community Bancorp has a free cash flow margin of 11.8%, earning a moderate score of 55/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Citizens Community Bancorp generates a 7.7% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 28/100. This is up from 7.7% the prior year.

Piotroski F-Score Neutral

5/9

Citizens Community Bancorp passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Mixed

0.81x

For every $1 of reported earnings, Citizens Community Bancorp generates $0.81 in operating cash flow ($11.7M OCF vs $14.4M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$87.6M

YoY-2.2%

5Y CAGR+6.3%

10Y CAGR+14.3%

Citizens Community Bancorp generated $87.6M in revenue in fiscal year 2025. This represents a decrease of 2.2% from the prior year.

EBITDA

N/A

Net Income

$14.4M

YoY+4.9%

5Y CAGR+2.5%

10Y CAGR+17.8%

Citizens Community Bancorp reported $14.4M in net income in fiscal year 2025. This represents an increase of 4.9% from the prior year.

EPS (Diluted)

$1.46

YoY+9.0%

5Y CAGR+5.1%

10Y CAGR+10.5%

Citizens Community Bancorp earned $1.46 per diluted share (EPS) in fiscal year 2025. This represents an increase of 9.0% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$10.4M

YoY-46.8%

5Y CAGR-13.3%

10Y CAGR+6.7%

Citizens Community Bancorp generated $10.4M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 46.8% from the prior year.

Cash & Debt

$118.9M

YoY+136.9%

5Y CAGR-0.1%

10Y CAGR+17.4%

Citizens Community Bancorp held $118.9M in cash against $51.8M in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.36

YoY+12.5%

5Y CAGR+11.4%

10Y CAGR+16.2%

Citizens Community Bancorp paid $0.36 per share in dividends in fiscal year 2025. This represents an increase of 12.5% from the prior year.

Shares Outstanding

10M

YoY-3.7%

5Y CAGR-2.8%

10Y CAGR+6.3%

Citizens Community Bancorp had 10M shares outstanding in fiscal year 2025. This represents a decrease of 3.7% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

16.5%

YoY+1.1pp

5Y CAGR-3.3pp

10Y CAGR+4.3pp

Citizens Community Bancorp's net profit margin was 16.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 1.1 percentage points from the prior year.

Return on Equity

7.7%

YoY-0.0pp

5Y CAGR-0.3pp

10Y CAGR+3.1pp

Citizens Community Bancorp's ROE was 7.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.0 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$6.1M

YoY-0.7%

5Y CAGR+16.5%

Citizens Community Bancorp spent $6.1M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 0.7% from the prior year.

Capital Expenditures

$1.3M

YoY+47.5%

5Y CAGR-12.6%

10Y CAGR+14.8%

Citizens Community Bancorp invested $1.3M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 47.5% from the prior year.

CZWI Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$87.6M-2.2%	$89.6M+6.4%	$84.2M+21.4%	$69.4M+8.4%	$64.0M-0.8%	$64.5M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$36.4M-15.5%	$43.1M+20.2%	$35.9M+175.6%	$13.0M+25.7%	$10.4M-27.4%	$14.3M
Income Tax	$3.0M-18.3%	$3.7M-37.0%	$5.9M+0.9%	$5.8M-24.3%	$7.7M+68.9%	$4.6M
Net Income	$14.4M+4.9%	$13.8M+5.3%	$13.1M-26.5%	$17.8M-16.5%	$21.3M+67.1%	$12.7M
EPS (Diluted)	$1.46+9.0%	$1.34+7.2%	$1.25-26.0%	$1.69-14.6%	$1.98+73.7%	$1.14

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$21.8M-2.2%	$22.3M-1.1%	$22.5M+6.6%	$21.1M-3.9%	$22.0M-2.4%	$22.5M+0.2%	$22.5M-1.0%	$22.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$8.7M-3.7%	$9.0M-1.6%	$9.2M-3.3%	$9.5M-7.3%	$10.3M-8.7%	$11.2M+3.1%	$10.9M+1.0%	$10.8M
Income Tax	$614K-28.0%	$853K+9.8%	$777K0.0%	$777K+18.4%	$656K-27.0%	$899K-13.6%	$1.0M-5.8%	$1.1M
Net Income	$4.3M+16.0%	$3.7M+12.6%	$3.3M+2.3%	$3.2M+18.3%	$2.7M-17.8%	$3.3M-10.6%	$3.7M-10.1%	$4.1M
EPS (Diluted)	N/A	$0.37+12.1%	$0.33+3.1%	$0.32	N/A	$0.32-8.6%	$0.35-10.3%	$0.39

CZWI Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$1.8B+1.9%	$1.7B-5.6%	$1.9B+1.9%	$1.8B+4.4%	$1.7B+5.5%	$1.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$118.9M+136.9%	$50.2M+35.1%	$37.1M+5.0%	$35.4M-25.8%	$47.7M-60.1%	$119.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$31.5M0.0%	$31.5M0.0%	$31.5M0.0%	$31.5M0.0%	$31.5M0.0%	$31.5M
Total Liabilities	$1.6B+1.6%	$1.6B-6.5%	$1.7B+1.7%	$1.6B+5.1%	$1.6B+5.4%	$1.5B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$51.8M-22.2%	$66.6M	N/A	N/A	N/A	N/A
Total Equity	$187.9M+4.9%	$179.1M+3.3%	$173.3M+3.7%	$167.1M-2.2%	$170.9M+6.4%	$160.6M
Retained Earnings	$90.0M+11.3%	$80.8M+13.7%	$71.1M+8.7%	$65.4M+29.1%	$50.7M+54.5%	$32.8M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$1.8B+3.2%	$1.7B-0.5%	$1.7B-2.5%	$1.8B+1.8%	$1.7B-2.8%	$1.8B-0.2%	$1.8B-0.9%	$1.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$118.9M+44.2%	$82.4M+22.2%	$67.5M-32.7%	$100.2M+99.7%	$50.2M+37.0%	$36.6M-0.7%	$36.9M+28.8%	$28.6M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$31.5M0.0%	$31.5M0.0%	$31.5M0.0%	$31.5M0.0%	$31.5M0.0%	$31.5M0.0%	$31.5M0.0%	$31.5M
Total Liabilities	$1.6B+3.5%	$1.5B-0.7%	$1.6B-3.0%	$1.6B+1.9%	$1.6B-3.1%	$1.6B-0.4%	$1.6B-1.2%	$1.6B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$51.8M	N/A	N/A	N/A	$66.6M	N/A	N/A	N/A
Total Equity	$187.9M+0.6%	$186.8M+1.8%	$183.5M+1.9%	$180.1M+0.5%	$179.1M-0.6%	$180.1M+2.3%	$176.0M+1.9%	$172.8M
Retained Earnings	$90.0M+3.5%	$86.9M+3.8%	$83.7M+4.1%	$80.4M-0.5%	$80.8M+3.1%	$78.4M+3.9%	$75.5M+5.1%	$71.8M

CZWI Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$11.7M-42.7%	$20.4M+55.4%	$13.1M-55.2%	$29.3M+35.6%	$21.6M-9.2%	$23.8M
Capital Expenditures	$1.3M+47.5%	$889K-35.0%	$1.4M-62.0%	$3.6M-4.7%	$3.8M+46.8%	$2.6M
Free Cash Flow	$10.4M-46.8%	$19.5M+66.0%	$11.8M-54.2%	$25.7M+44.1%	$17.8M-16.0%	$21.2M
Investing Cash Flow	$45.7M-59.8%	$113.7M+432.5%	-$34.2M+71.3%	-$119.2M+27.0%	-$163.2M-164.0%	-$61.8M
Financing Cash Flow	$11.3M+109.3%	-$121.1M-629.9%	$22.9M-70.5%	$77.6M+11.0%	$69.9M-31.3%	$101.6M
Dividends Paid	$3.6M+7.5%	$3.3M+10.1%	$3.0M+10.9%	$2.7M+9.2%	$2.5M+5.9%	$2.4M
Share Buybacks	$6.1M-0.7%	$6.1M+1348.2%	$421K-76.1%	$1.8M-77.8%	$8.0M+182.0%	$2.8M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$3.9M-41.9%	$6.6M+1733.3%	-$406K-125.2%	$1.6M-38.6%	$2.6M-25.1%	$3.5M-31.6%	$5.1M-44.0%	$9.1M
Capital Expenditures	$593K+51.3%	$392K+73.5%	$226K+126.0%	$100K-58.3%	$240K+96.7%	$122K-61.0%	$313K+46.3%	$214K
Free Cash Flow	$3.3M-47.7%	$6.2M+1087.2%	-$632K-141.8%	$1.5M-36.6%	$2.4M-29.5%	$3.4M-29.7%	$4.8M-46.2%	$8.9M
Investing Cash Flow	-$12.1M-151.9%	$23.2M+80.4%	$12.9M-40.6%	$21.7M-64.4%	$60.8M+614.2%	$8.5M-67.8%	$26.4M+46.3%	$18.0M
Financing Cash Flow	$44.6M+399.9%	-$14.9M+67.1%	-$45.2M-269.0%	$26.8M+153.6%	-$49.9M-306.4%	-$12.3M+47.3%	-$23.3M+34.8%	-$35.7M
Dividends Paid	$0	$0	$0-100.0%	$3.6M	$0	$0	$0-100.0%	$3.3M
Share Buybacks	$4.0M+99.9%	$2.0M	$0	$0-100.0%	$1.4M-52.6%	$2.9M+134.1%	$1.2M+106.7%	$598K

CZWI Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	16.5%+1.1pp	15.3%-0.2pp	15.5%-10.1pp	25.6%-7.6pp	33.2%+13.5pp	19.7%
Return on Equity	7.7%0.0pp	7.7%+0.1pp	7.5%-3.1pp	10.6%-1.8pp	12.4%+4.5pp	7.9%
Return on Assets	0.8%+0.0pp	0.8%+0.1pp	0.7%-0.3pp	1.0%-0.2pp	1.2%+0.5pp	0.8%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.28-0.1	0.37-9.3	9.68-0.2	9.87+0.7	9.18-0.1	9.27
FCF Margin	11.8%-9.9pp	21.8%+7.8pp	14.0%-23.0pp	37.0%+9.2pp	27.8%-5.0pp	32.9%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	19.6%+3.1pp	16.6%+2.0pp	14.5%-0.6pp	15.2%+2.8pp	12.3%-2.3pp	14.6%-1.8pp	16.4%-1.7pp	18.0%
Return on Equity	2.3%+0.3pp	2.0%+0.2pp	1.8%0.0pp	1.8%+0.3pp	1.5%-0.3pp	1.8%-0.3pp	2.1%-0.3pp	2.4%
Return on Assets	0.2%+0.0pp	0.2%+0.0pp	0.2%+0.0pp	0.2%+0.0pp	0.1%-0.0pp	0.2%-0.0pp	0.2%-0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.28-8.0	8.24-0.2	8.46-0.4	8.89+8.5	0.37-8.6	8.99-0.3	9.24-0.3	9.53
FCF Margin	15.0%-13.1pp	28.0%+30.9pp	-2.8%-10.0pp	7.2%-3.7pp	10.9%-4.2pp	15.0%-6.4pp	21.4%-18.0pp	39.4%

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Frequently Asked Questions

What is Citizens Community Bancorp's annual revenue?

Citizens Community Bancorp (CZWI) reported $87.6M in total revenue for fiscal year 2025. This represents a -2.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Citizens Community Bancorp's revenue growing?

Citizens Community Bancorp (CZWI) revenue declined by 2.2% year-over-year, from $89.6M to $87.6M in fiscal year 2025.

Is Citizens Community Bancorp profitable?

Yes, Citizens Community Bancorp (CZWI) reported a net income of $14.4M in fiscal year 2025, with a net profit margin of 16.5%.

How much debt does Citizens Community Bancorp have?

As of fiscal year 2025, Citizens Community Bancorp (CZWI) had $118.9M in cash and equivalents against $51.8M in long-term debt.

What is Citizens Community Bancorp's net profit margin?

Citizens Community Bancorp (CZWI) had a net profit margin of 16.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Citizens Community Bancorp pay dividends?

Yes, Citizens Community Bancorp (CZWI) paid $0.36 per share in dividends during fiscal year 2025.

What is Citizens Community Bancorp's return on equity (ROE)?

Citizens Community Bancorp (CZWI) has a return on equity of 7.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Citizens Community Bancorp's free cash flow?

Citizens Community Bancorp (CZWI) generated $10.4M in free cash flow during fiscal year 2025. This represents a -46.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Citizens Community Bancorp's operating cash flow?

Citizens Community Bancorp (CZWI) generated $11.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Citizens Community Bancorp's total assets?

Citizens Community Bancorp (CZWI) had $1.8B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Citizens Community Bancorp's capital expenditures?

Citizens Community Bancorp (CZWI) invested $1.3M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Citizens Community Bancorp buy back shares?

Yes, Citizens Community Bancorp (CZWI) spent $6.1M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Citizens Community Bancorp have outstanding?

Citizens Community Bancorp (CZWI) had 10M shares outstanding as of fiscal year 2025.

What is Citizens Community Bancorp's debt-to-equity ratio?

Citizens Community Bancorp (CZWI) had a debt-to-equity ratio of 0.28 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Citizens Community Bancorp's return on assets (ROA)?

Citizens Community Bancorp (CZWI) had a return on assets of 0.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Citizens Community Bancorp's Piotroski F-Score?

Citizens Community Bancorp (CZWI) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Citizens Community Bancorp's earnings high quality?

Citizens Community Bancorp (CZWI) has an earnings quality ratio of 0.81x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Citizens Community Bancorp?

Citizens Community Bancorp (CZWI) scores 52 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.