Citizens Community Bancorp (CZWI) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 27, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CZWI SEC filings page.
Citizens Community Bancorp, Inc. (CZWI) reported $64.2M in revenue over the twelve months to Jun 30, 2026, up 10.2% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
Revenue recovered in FY2025, but weaker cash conversion and liability-heavy funding make earnings less informative alone.
FY2025 revenue rose10.2% while net income rose only4.9% , and net margin slipped1.2 percentage points . That growth did not carry through to cash: operating cash flow fell42.7% while free cash flow fell46.8% , indicating weaker cash conversion despite accounting growth.
The balance sheet is funded mainly by liabilities, which represented
Capital spending remained modest at
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Citizens Community Bancorp, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Citizens Community Bancorp, Inc. earned a return on assets of 0.8% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is unchanged from the prior year. Earnings ranks banks on that return over three years, and Citizens Community Bancorp, Inc. scores 42/100 among other banks.
Citizens Community Bancorp, Inc. reported revenue of $62.3M in fiscal year 2025, against $56.6M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Citizens Community Bancorp, Inc. scores 28/100 among other banks.
Citizens Community Bancorp, Inc. funded 10.5% of its assets with shareholders' equity at the end of fiscal year 2025, holding $187.9M of equity against $1.8B of assets. Capital ranks banks on that cushion, and Citizens Community Bancorp, Inc. scores 39/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Citizens Community Bancorp, Inc. scores 28/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Citizens Community Bancorp, Inc. scores 68/100 on it among other banks.
Citizens Community Bancorp, Inc. reported net income of $14.4M in fiscal year 2025, against $13.8M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Citizens Community Bancorp, Inc. scores 62/100 among other banks.
Citizens Community Bancorp, Inc. passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, the one computable operating efficiency signal (asset turnover improving) passes.
Key Financial Metrics
Earnings & Revenue
Citizens Community Bancorp, Inc. generated $16.1M in revenue in Q2 2026. This represents a decrease of 0.2% from the same quarter a year earlier. It is unchanged from the prior quarter.
Citizens Community Bancorp, Inc. reported $1.1M in net income in Q2 2026. This represents a decrease of 66.3% from the same quarter a year earlier. Against the prior quarter it is down 70.7%.
Citizens Community Bancorp, Inc. earned $0.11 per diluted share (EPS) in Q2 2026. This represents a decrease of 66.7% from the same quarter a year earlier. Against the prior quarter it is down 71.8%.
Not reported for Q2 2026.
Cash & Balance Sheet
Citizens Community Bancorp, Inc. generated $6.4M in free cash flow in Q2 2026, representing cash available after capex. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. Against the prior quarter it is up 89.0%.
Citizens Community Bancorp, Inc. held $121.8M in cash against $51.9M in long-term debt as of Q2 2026.
Citizens Community Bancorp, Inc. paid $0.10 per share in dividends in Q2 2026. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. It is unchanged from the prior quarter.
Margins & Returns
Citizens Community Bancorp, Inc.'s net profit margin was 6.8% in Q2 2026, showing the share of revenue converted to profit. This is down 13.4 percentage points from the same quarter a year earlier. Against the prior quarter it is down 16.5 percentage points.
Citizens Community Bancorp, Inc.'s quarterly ROE was 0.6% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is down 1.2 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.4 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Citizens Community Bancorp, Inc. invested $1.5M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 552.7% from the same quarter a year earlier. Against the prior quarter it is up 158.8%.
Not reported for Q2 2026.
Not reported for Q2 2026.
CZWI Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2610-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2510-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $16.1M-0.2% | $16.1M+13.5% | $15.8M+14.9% | $16.2M+14.3% | $16.1M+19.7% | $14.2M-6.5% | $13.7M-3.6% | $14.2M-3.3% |
| Interest Expense | $8.5M-7.2% | $8.5M-10.5% | $8.7M-15.1% | $9.0M-19.5% | $9.2M-15.6% | $9.5M-11.7% | $10.3M-0.3% | $11.2M+16.3% |
| Income Tax | $135K-82.6% | $877K+12.9% | $614K-6.4% | $853K-5.1% | $777K-25.3% | $777K-29.6% | $656K-32.9% | $899K-64.7% |
| Net Income | $1.1M-66.3% | $3.8M+17.5% | $4.3M+58.1% | $3.7M+12.1% | $3.3M-11.0% | $3.2M-21.8% | $2.7M-26.8% | $3.3M+31.5% |
| EPS (Basic) | $0.11-66.7% | $0.39+21.9% | $0.44+63.0% | $0.37+15.6% | $0.33-5.7% | $0.32-17.9% | $0.27-25.0% | $0.32+33.3% |
| EPS (Diluted) | $0.11-66.7% | $0.39+21.9% | $0.44+63.0% | $0.37+15.6% | $0.33-5.7% | $0.32-17.9% | $0.27-25.0% | $0.32+33.3% |
| Diluted Shares (Avg) | 10M-3.5% | 10M-3.7% | N/A | 10M-2.8% | 10M-3.6% | 10M-4.2% | N/A | 10M-2.5% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.
CZWI Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2610-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2510-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.8B+4.6% | $1.8B+2.4% | $1.8B+1.9% | $1.7B-4.0% | $1.7B-3.7% | $1.8B-2.2% | $1.7B-5.6% | $1.8B-1.7% |
| Cash & Equivalents | $121.8M+80.5% | $149.2M+48.9% | $118.9M+136.9% | $82.4M+125.0% | $67.5M+82.9% | $100.2M+249.9% | $50.2M+35.1% | $36.6M+12.6% |
| Goodwill | $31.5M0.0% | $31.5M0.0% | $31.5M0.0% | $31.5M0.0% | $31.5M0.0% | $31.5M0.0% | $31.5M0.0% | $31.5M0.0% |
| Total Liabilities | $1.6B+4.6% | $1.6B+2.0% | $1.6B+1.6% | $1.5B-4.9% | $1.6B-4.6% | $1.6B-2.8% | $1.6B-6.5% | $1.6B-2.8% |
| Long-Term Debt | $51.9M | $51.8M | $51.8M-22.2% | N/A | N/A | N/A | $66.6M | N/A |
| Total Equity | $191.3M+4.3% | $190.9M+6.0% | $187.9M+4.9% | $186.8M+3.7% | $183.5M+4.2% | $180.1M+4.2% | $179.1M+3.3% | $180.1M+8.9% |
| Retained Earnings | $92.8M+10.9% | $92.7M+15.3% | $90.0M+11.3% | $86.9M+10.8% | $83.7M+10.9% | $80.4M+12.0% | $80.8M+13.7% | $78.4M+16.3% |
Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities.
CZWI Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2610-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2510-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $7.9Mn/m | $4.0M+146.5% | $3.9M+46.9% | $6.6M+89.2% | -$406K-107.9% | $1.6M-82.4% | $2.6M-33.6% | $3.5M-27.3% |
| Depreciation & Amortization | $600K-13.9% | $587K-16.7% | $593K-16.4% | $618K-12.8% | $697K-4.7% | $705K-4.7% | $709K-7.1% | $709K-7.1% |
| Stock-Based Compensation | $275K+281.9% | $4K-94.1% | N/A | $128K+120.7% | $72K+94.6% | $68K+161.5% | N/A | $58K |
| Capital Expenditures | $1.5M+552.7% | $570K+470.0% | $593K+147.1% | $392K+221.3% | $226K-27.8% | $100K-53.3% | $240K-59.7% | $122K-45.5% |
| Free Cash Flow | $6.4Mn/m | $3.4M+125.1% | $3.3M+36.8% | $6.2M+84.4% | -$632K-113.1% | $1.5M-83.1% | $2.4M-28.9% | $3.4M-26.4% |
| Investing Cash Flow | -$23.3M-281.0% | -$14.1M-165.1% | -$12.1M-119.8% | $23.2M+172.9% | $12.9M-51.2% | $21.7M+20.0% | $60.8Mn/m | $8.5Mn/m |
| Financing Cash Flow | -$12.1Mn/m | $40.5M+51.3% | $44.6Mn/m | -$14.9Mn/m | -$45.2Mn/m | $26.8Mn/m | -$49.9M-570.5% | -$12.3M-2134.8% |
| Dividends Paid | $1.0Mn/m | $1.0M-71.9% | $0n/m | $0n/m | $0n/m | $3.6M+7.5% | $0n/m | $0n/m |
| Share Buybacks | N/A | N/A | $4.0M+194.6% | $2.0M-30.2% | $0-100.0% | $0-100.0% | $1.4M+350.7% | $2.9Mn/m |
CZWI Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2610-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2510-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 6.8%-13.4pp | 23.3%+0.8pp | 27.1%+7.4pp | 22.7%-0.5pp | 20.3%-7.0pp | 22.5%-4.4pp | 19.7%-6.3pp | 23.1%+6.1pp |
| Return on Equity | 0.6%-1.2pp | 2.0%+0.2pp | 2.3%+0.8pp | 2.0%+0.1pp | 1.8%-0.3pp | 1.8%-0.6pp | 1.5%-0.6pp | 1.8%+0.3pp |
| Return on Assets | 0.1%-0.1pp | 0.2%0.0pp | 0.2%+0.1pp | 0.2%0.0pp | 0.2%0.0pp | 0.2%0.0pp | 0.1%-0.1pp | 0.2%0.0pp |
| Debt-to-Equity | 0.27 | 0.27 | 0.28-0.1x | N/A | N/A | N/A | 0.37 | N/A |
| Liabilities-to-Equity | 8.480.0x | 8.55-0.3x | 8.48-0.3x | 8.24-0.7x | 8.46-0.8x | 8.89-0.6x | 8.76-0.9x | 8.99-1.1x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 40.0%+43.9pp | 21.1%+10.5pp | 20.7%+3.3pp | 38.4%+14.6pp | -3.9%-39.6pp | 10.7%-48.2pp | 17.4%-6.2pp | 23.8%-7.5pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Citizens Community Bancorp, Inc. CZWI | FY2025 | $62.3M | $14.4M | 23.1% | $227.3M | 45/100 |
| BV Financial, Inc. BVFL | FY2025 | $39.6M | $13.5M | 34.1% | $187.7M | 66/100 |
| Peoples Bancorp of North Carol PEBK | FY2025 | $90.0M | $19.8M | 22.0% | $232.7M | 50/100 |
| Landmark Bancorp Inc LARK | FY2025 | $70.6M | $18.8M | 26.6% | $195.9M | 48/100 |
| Richmond Mutual Bancorporation, Inc. RMBI | FY2025 | $48.9M | $11.6M | 23.7% | $254.4M | 44/100 |
Where Citizens Community Bancorp, Inc. Ranks
Frequently Asked Questions
What is Citizens Community Bancorp, Inc.'s annual revenue?
Citizens Community Bancorp, Inc. (CZWI) reported $62.3M in total revenue for fiscal year 2025. This represents a 10.2% 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, Inc.'s revenue growing?
Citizens Community Bancorp, Inc. (CZWI) revenue grew by 10.2% year-over-year, from $56.6M to $62.3M in fiscal year 2025.
Is Citizens Community Bancorp, Inc. profitable?
Yes, Citizens Community Bancorp, Inc. (CZWI) reported a net income of $12.8M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $14.4M, with a net profit margin of 23.1%.
How much debt does Citizens Community Bancorp, Inc. have?
As of fiscal year 2025, Citizens Community Bancorp, Inc. (CZWI) had $118.9M in cash and equivalents against $51.8M in long-term debt.
What is Citizens Community Bancorp, Inc.'s net profit margin?
Citizens Community Bancorp, Inc. (CZWI) had a net profit margin of 23.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Citizens Community Bancorp, Inc. pay dividends?
Yes, Citizens Community Bancorp, Inc. (CZWI) paid $0.36 per share in dividends during fiscal year 2025.
What is Citizens Community Bancorp, Inc.'s return on equity (ROE)?
Citizens Community Bancorp, Inc. (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, Inc.'s free cash flow?
Citizens Community Bancorp, Inc. (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, Inc.'s operating cash flow?
Citizens Community Bancorp, Inc. (CZWI) generated $11.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Citizens Community Bancorp, Inc.'s total assets?
Citizens Community Bancorp, Inc. (CZWI) had $1.8B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Citizens Community Bancorp, Inc.'s capital expenditures?
Citizens Community Bancorp, Inc. (CZWI) invested $1.3M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Citizens Community Bancorp, Inc.'s debt-to-equity ratio?
Citizens Community Bancorp, Inc. (CZWI) had a debt-to-equity ratio of 0.28 as of fiscal year 2025. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.
What is Citizens Community Bancorp, Inc.'s liabilities-to-equity ratio?
Citizens Community Bancorp, Inc. (CZWI) had a liabilities-to-equity ratio of 8.48 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.
What is Citizens Community Bancorp, Inc.'s return on assets (ROA)?
Citizens Community Bancorp, Inc. (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, Inc.'s P/E ratio?
Citizens Community Bancorp, Inc. (CZWI) trades at 17.7x earnings, its market capitalization divided by $12.8M net income, trailing 12 months to June 30, 2026. The market capitalization is $227.3M as of Oct 27, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Citizens Community Bancorp, Inc.'s price-to-sales ratio?
Citizens Community Bancorp, Inc. (CZWI) trades at 3.5x sales, its market capitalization divided by $64.2M revenue, trailing 12 months to June 30, 2026. The market capitalization is $227.3M as of Oct 27, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Citizens Community Bancorp, Inc.'s Piotroski F-Score?
Citizens Community Bancorp, Inc. (CZWI) has a Piotroski F-Score of 6 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
How financially healthy is Citizens Community Bancorp, Inc.?
Citizens Community Bancorp, Inc. (CZWI) scores 45 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is the average of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.