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Citizens Community Bancorp (CZWI) Financials

Citizens Community Bancorp logo
$23.30 -0.33 (-1.40%)
As of 02:03 PM Eastern
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Annual Income Statements for Citizens Community Bancorp

Annual Income Statements for Citizens Community Bancorp

This table shows Citizens Community Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2019 2020 2021 2022 2023 2024 2025
Period end date 9/30/2014 9/30/2015 9/30/2016 9/30/2017 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 2.59 2.81 2.57 2.50 9.46 13 21 18 13 14 14
Consolidated Net Income / (Loss)		 2.51 2.81 2.57 2.50 9.46 13 21 18 13 14 14
Net Income / (Loss) Continuing Operations		 2.59 2.81 2.57 2.50 9.46 13 21 18 13 14 14
Total Pre-Tax Income 		4.04 4.42 3.86 3.82 12 17 29 24 19 17 17
Total Revenue		 23 22 24 27 58 69 69 67 59 57 62
Net Interest Income / (Expense)		 20 19 20 22 44 50 54 56 48 46 51
Total Interest Income		 24 23 25 28 60 65 64 69 84 90 88
Loans and Leases Interest Income		 23 22 23 26 55 60 58 62 74 80 78
Investment Securities Interest Income		 1.42 1.36 1.68 2.05 5.78 4.76 5.86 7.76 11 9.88 10
Total Interest Expense		 4.28 4.44 5.01 5.61 17 14 10 13 36 43 36
Deposits Interest Expense		 3.62 3.81 4.20 4.30 12 10 5.85 6.43 26 38 33
Long-Term Debt Interest Expense		 0.66 0.63 0.66 0.72 2.72 1.81 1.57 2.30 5.97 1.28 0.01
Other Interest Expense		 0.00 0.00 0.14 0.59 2.02 2.46 2.95 4.30 4.18 3.88 3.33
Total Non-Interest Income		 3.42 3.91 3.92 4.75 15 18 16 10 10 10 11
Service Charges on Deposit Accounts		 - - - 1.43 2.37 1.83 1.73 2.02 1.95 1.92 1.76
Other Service Charges		 3.66 3.85 3.85 1.45 5.84 7.22 5.12 4.05 3.83 4.39 4.04
Net Realized & Unrealized Capital Gains on Investments		 -0.17 0.06 0.06 1.08 5.03 7.24 6.62 2.02 2.15 1.36 3.16
Other Non-Interest Income		 - - - 0.79 1.74 2.16 2.35 2.34 2.32 2.43 2.19
Provision for Credit Losses		 1.91 0.66 0.08 0.32 3.53 7.75 0.00 1.48 -0.48 -3.18 1.95
Total Non-Interest Expense		 17 17 20 23 43 44 41 42 40 42 43
Salaries and Employee Benefits		 9.07 8.67 9.87 11 20 22 23 22 21 23 24
Net Occupancy & Equipment Expense		 4.16 4.46 4.63 4.83 7.64 11 11 11 11 12 12
Marketing Expense		 0.04 0.66 0.70 0.55 1.21 0.97 0.99 1.02 0.73 0.79 0.91
Property & Liability Insurance Claims		 0.41 0.39 0.39 0.30 0.26 0.58 0.55 0.47 0.81 0.80 0.77
Other Operating Expenses		 3.48 3.17 4.36 6.08 12 4.48 3.79 5.74 5.35 5.57 5.05
Amortization Expense		 0.06 0.06 0.11 0.26 1.50 4.67 1.60 1.45 0.76 0.72 0.58
Income Tax Expense		 1.53 1.61 1.29 1.32 2.81 4.56 7.69 5.82 5.87 3.70 3.02
Basic Earnings per Share		 $0.49 $0.54 $0.49 $0.47 $0.85 $1.14 $1.98 $1.69 $1.25 $1.34 $1.46
Weighted Average Basic Shares Outstanding		 5.16M 5.23M 5.26M 5.36M - 10.90M 10.54M 10.48M 10.46M 9.99M 9.63M
Diluted Earnings per Share		 $0.48 $0.54 $0.49 $0.46 $0.85 $1.14 $1.98 $1.69 $1.25 $1.34 $1.46
Weighted Average Diluted Shares Outstanding		 5.16M 5.23M 5.26M 5.36M - 10.90M 10.54M 10.48M 10.46M 9.99M 9.63M
Weighted Average Basic & Diluted Shares Outstanding		 5.16M 5.23M 5.26M 5.36M - 10.90M 10.54M 10.48M 10.46M 9.99M 9.63M
Cash Dividends to Common per Share		 $0.04 $0.08 $0.12 $0.16 $0.20 $0.21 $0.23 $0.26 $0.29 $0.32 $0.36

Quarterly Income Statements for Citizens Community Bancorp

This table shows Citizens Community Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 2.50 3.69 4.09 3.68 3.29 2.70 3.20 3.27 3.68 4.27 3.76
Consolidated Net Income / (Loss)		 2.50 3.69 4.09 3.68 3.29 2.70 3.20 3.27 3.68 4.27 3.76
Net Income / (Loss) Continuing Operations		 2.50 3.69 4.09 3.68 3.29 2.70 3.20 3.27 3.68 4.27 3.76
Total Pre-Tax Income 		5.04 4.67 5.19 4.72 4.19 3.36 3.97 4.05 4.54 4.89 4.63
Total Revenue		 15 14 15 13 14 14 14 16 16 16 16
Net Interest Income / (Expense)		 12 12 12 12 11 12 12 13 13 13 13
Total Interest Income		 22 22 23 22 23 22 21 23 22 22 22
Loans and Leases Interest Income		 19 19 20 20 20 20 19 20 20 19 19
Investment Securities Interest Income		 2.69 2.62 2.51 2.54 2.40 2.43 2.50 2.40 2.50 2.74 2.75
Total Interest Expense		 9.65 10 11 11 11 10 9.51 9.19 9.04 8.71 8.51
Deposits Interest Expense		 7.39 7.85 9.21 9.34 10 9.27 8.60 8.29 8.22 8.00 7.79
Long-Term Debt Interest Expense		 1.21 1.37 0.51 0.58 0.13 0.07 0.01 0.00 0.00 - 0.00
Other Interest Expense		 1.05 1.06 1.05 0.97 0.93 0.92 0.90 0.90 0.82 0.71 0.72
Total Non-Interest Income		 2.57 2.48 3.26 1.91 2.92 2.01 2.59 2.84 3.02 2.69 3.10
Service Charges on Deposit Accounts		 0.49 0.49 0.47 0.49 0.51 0.45 0.42 0.43 0.45 0.46 0.46
Other Service Charges		 1.06 0.95 1.07 1.09 1.16 1.08 0.92 1.04 1.08 0.99 1.18
Net Realized & Unrealized Capital Gains on Investments		 0.42 0.47 1.19 -0.43 0.67 -0.07 0.73 0.80 0.93 0.71 0.96
Other Non-Interest Income		 0.60 0.58 0.54 0.76 0.58 0.55 0.52 0.56 0.57 0.54 0.50
Provision for Credit Losses		 -0.33 -0.65 -0.80 -1.53 -0.40 -0.45 -0.25 1.35 0.65 0.20 0.75
Total Non-Interest Expense		 9.97 10 11 10 10 11 10 11 11 11 11
Salaries and Employee Benefits		 5.29 5.14 5.48 5.68 5.74 5.84 5.60 6.01 6.34 5.93 6.07
Net Occupancy & Equipment Expense		 2.87 2.83 2.96 2.86 2.91 2.96 3.01 2.95 3.08 2.72 2.70
Marketing Expense		 0.19 0.26 0.16 0.19 0.23 0.22 0.17 0.19 0.20 0.34 0.23
Property & Liability Insurance Claims		 0.20 0.20 0.21 0.20 0.20 0.19 0.20 0.19 0.20 0.19 0.23
Other Operating Expenses		 1.24 1.60 1.78 1.20 1.17 1.42 1.32 1.23 1.12 1.38 1.40
Amortization Expense		 0.18 0.18 0.18 0.18 0.18 0.18 0.18 0.18 0.11 0.11 0.11
Income Tax Expense		 2.54 0.98 1.10 1.04 0.90 0.66 0.78 0.78 0.85 0.61 0.88
Basic Earnings per Share		 $0.24 $0.35 $0.39 $0.35 $0.32 $0.28 $0.32 $0.33 $0.37 $0.44 $0.39
Weighted Average Basic Shares Outstanding		 - 10.46M 10.41M 10.30M 10.03M 9.99M 9.99M 9.87M 9.66M 9.63M 9.64M
Diluted Earnings per Share		 $0.24 $0.35 $0.39 $0.35 $0.32 $0.28 $0.32 $0.33 $0.37 $0.44 $0.39
Weighted Average Diluted Shares Outstanding		 - 10.46M 10.41M 10.30M 10.03M 9.99M 9.99M 9.87M 9.66M 9.63M 9.64M
Weighted Average Basic & Diluted Shares Outstanding		 - 10.46M 10.41M 10.30M 10.03M 9.99M 9.99M 9.87M 9.66M 9.63M 9.64M
Cash Dividends to Common per Share		 $0.00 - $0.32 $0.00 $0.00 - $0.36 $0.00 $0.00 - $0.11

Annual Cash Flow Statements for Citizens Community Bancorp

This table details how cash moves in and out of Citizens Community Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2019 2020 2021 2022 2023 2024 2025
Period end date 9/30/2014 9/30/2015 9/30/2016 9/30/2017 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -6.17 12 -14 32 10 64 -72 -12 1.78 13 69
Net Cash From Operating Activities		 7.84 5.78 5.70 1.91 13 24 22 29 13 20 12
Net Cash From Continuing Operating Activities		 5.25 5.78 5.70 1.91 13 24 22 29 13 20 12
Net Income / (Loss) Continuing Operations		 0.00 2.81 2.57 2.50 9.46 13 21 18 13 14 14
Consolidated Net Income / (Loss)		 - 2.81 2.57 2.50 9.46 13 21 18 13 14 14
Provision For Loan Losses		 1.98 0.57 0.57 0.32 3.53 7.75 0.00 1.48 -0.48 -2.86 2.00
Depreciation Expense		 1.12 1.38 1.07 0.86 1.56 1.95 2.26 2.36 2.37 2.17 2.03
Amortization Expense		 1.08 0.97 1.25 1.05 2.40 1.76 1.89 1.71 1.31 1.40 1.34
Non-Cash Adjustments to Reconcile Net Income		 1.54 0.13 -0.05 1.45 -3.50 -8.71 -6.78 7.02 -4.19 4.63 -4.99
Changes in Operating Assets and Liabilities, net		 -0.47 -0.08 0.30 -4.27 -0.61 8.30 2.97 -1.04 1.05 1.32 -3.11
Net Cash From Investing Activities		 -25 0.29 49 14 -63 -62 -163 -119 -34 114 46
Net Cash From Continuing Investing Activities		 -22 0.29 49 14 -63 -62 -163 -119 -34 114 46
Purchase of Property, Leasehold Improvements and Equipment		 -0.49 -0.33 -0.96 -0.61 -6.77 -2.57 -3.78 -3.60 -1.37 -0.89 -1.31
Purchase of Investment Securities		 -56 -54 -20 -57 -124 -135 -245 -155 -61 -0.45 -11
Sale of Property, Leasehold Improvements and Equipment		 2.34 1.32 1.26 1.13 3.34 3.16 0.60 1.81 0.32 0.89 0.07
Sale and/or Maturity of Investments		 30 56 61 70 61 71 85 37 27 114 58
Net Cash From Financing Activities		 11 6.38 -69 16 61 102 70 78 23 -121 11
Net Cash From Continuing Financing Activities		 11 6.38 -69 16 61 102 70 78 23 -121 11
Net Change in Deposits		 2.37 6.53 -77 -33 40 100 92 37 94 -31 36
Issuance of Debt		 8.89 0.00 11 50 31 40 0.03 146 -68 -44 5.00
Repayment of Debt		 - 0.00 -2.60 -0.31 -11 -33 -12 -101 -0.17 -37 -20
Repurchase of Common Equity		 - - - -0.02 0.00 -2.82 -7.95 -1.76 -0.42 -6.10 -6.06
Payment of Dividends		 -0.21 -0.42 -0.63 -0.84 -2.20 -2.37 -2.51 -2.74 -3.04 -3.35 -3.60
Other Financing Activities, Net		 -0.02 0.26 0.21 -0.17 0.15 0.06 0.02 -0.08 0.12 -0.10 -0.01
Cash Interest Paid		 - 3.32 4.85 4.20 13 9.98 6.03 6.44 23 34 35
Cash Income Taxes Paid		 - 1.21 1.48 1.62 3.85 7.87 6.83 4.87 3.98 2.32 2.07

Quarterly Cash Flow Statements for Citizens Community Bancorp

This table details how cash moves in and out of Citizens Community Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -10 4.61 -8.50 8.25 -0.25 14 50 -33 15 36 30
Net Cash From Operating Activities		 4.82 3.95 9.15 5.12 3.51 2.59 1.61 -0.41 6.63 3.86 3.98
Net Cash From Continuing Operating Activities		 4.82 3.95 9.15 5.12 3.51 2.59 1.61 -0.41 6.63 3.86 3.98
Net Income / (Loss) Continuing Operations		 2.50 3.69 4.09 3.68 3.29 2.70 3.20 3.27 3.68 4.27 3.76
Consolidated Net Income / (Loss)		 2.50 3.69 4.09 3.68 3.29 2.70 3.20 3.27 3.68 4.27 3.76
Provision For Loan Losses		 -0.33 -0.65 -0.80 -1.53 -0.33 -0.21 -0.27 1.38 0.65 0.23 0.75
Depreciation Expense		 0.58 0.58 0.56 0.55 0.53 0.53 0.53 0.52 0.51 0.48 0.47
Amortization Expense		 0.32 0.32 0.37 0.33 0.37 0.27 0.37 0.38 0.29 0.31 0.29
Non-Cash Adjustments to Reconcile Net Income		 1.41 -3.10 5.53 0.09 -0.51 -0.46 -2.14 -3.17 0.46 -0.13 3.99
Changes in Operating Assets and Liabilities, net		 0.33 3.10 -0.60 2.00 0.16 -0.24 -0.07 -2.78 1.04 -1.31 -5.28
Net Cash From Investing Activities		 -16 -9.95 18 26 8.51 61 22 13 23 -12 -14
Net Cash From Continuing Investing Activities		 -16 -9.95 18 26 8.51 61 22 13 23 -12 -14
Purchase of Property, Leasehold Improvements and Equipment		 -0.22 -0.60 -0.21 -0.31 -0.12 -0.24 -0.10 -0.23 -0.39 -0.59 -0.57
Purchase of Investment Securities		 -21 -14 0.00 -0.15 37 55 15 -18 41 -49 -19
Sale of Property, Leasehold Improvements and Equipment		 0.06 - 0.01 0.20 0.03 0.65 0.04 0.01 0.01 0.02 0.00
Sale and/or Maturity of Investments		 5.63 4.82 18 27 -29 4.93 6.32 31 -17 38 5.61
Net Cash From Financing Activities		 0.60 11 -36 -23 -12 -50 27 -45 -15 45 40
Net Cash From Continuing Financing Activities		 0.60 11 -36 -23 -12 -50 27 -45 -15 45 40
Net Change in Deposits		 8.55 46 8.39 -7.95 1.12 -33 36 -45 2.14 44 42
Repayment of Debt		 -8.00 48 -5.53 -21 -5.00 28 -5.00 - -15 - 0.00
Payment of Dividends		 - - -3.35 - - - -3.60 - - - -1.01
Other Financing Activities, Net		 0.05 0.06 -0.11 -0.01 - 0.08 -0.16 0.03 - 0.12 -0.04
Cash Interest Paid		 6.51 6.75 7.08 7.82 9.44 10 8.98 7.25 12 7.78 8.64
Cash Income Taxes Paid		 1.35 0.12 0.00 1.49 0.58 0.25 0.00 1.09 0.88 0.09 0.00

Annual Balance Sheets for Citizens Community Bancorp

This table presents Citizens Community Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2019 2020 2021 2022 2023 2024 2025
Period end date 9/30/2014 9/30/2015 9/30/2016 9/30/2017 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 570 580 696 941 1,531 1,649 1,740 1,816 1,851 1,749 1,782
Cash and Due from Banks		 11 24 10 42 56 119 48 35 37 50 119
Trading Account Securities		 71 88 87 101 183 188 276 264 250 233 220
Loans and Leases, Net of Allowance		 -6.51 -6.50 0.00 727 -10 -17 -17 1,412 1,438 1,348 1,318
Loans and Leases		 - - - 733 - - - 1,412 1,461 1,369 1,340
Allowance for Loan and Lease Losses		 6.51 6.50 - 5.94 10 17 17 - 23 21 22
Loans Held for Sale		 - - 0.00 2.33 5.89 3.08 6.67 0.00 5.77 1.33 4.95
Accrued Investment Income		 1.48 1.57 2.03 3.29 4.74 5.65 3.92 5.29 5.41 5.65 6.13
Premises and Equipment, Net		 3.73 2.67 5.34 9.65 21 21 21 20 18 17 16
Goodwill		 0.00 0.00 4.66 10 31 31 31 31 31 31 31
Intangible Assets		 0.16 0.10 0.87 5.45 7.59 5.49 3.90 2.45 1.69 0.98 0.40
Other Assets		 489 470 586 39 1,232 1,292 1,362 59 60 57 62
Total Liabilities & Shareholders' Equity		 570 580 696 941 1,531 1,649 1,740 1,816 1,851 1,749 1,782
Total Liabilities		 512 519 631 867 1,381 1,489 1,569 1,649 1,678 1,569 1,594
Non-Interest Bearing Deposits		 450 456 558 743 1,196 1,295 1,388 1,425 1,519 1,488 1,524
Short-Term Debt		 - - 11 30 - 58 58 72 67 62 52
Long-Term Debt		 59 59 59 90 175 123 112 143 80 5.00 0.00
Other Long-Term Liabilities		 3.14 3.51 3.35 4.36 10 11 11 9.64 12 15 18
Total Equity & Noncontrolling Interests		 58 61 65 73 151 161 171 167 173 179 188
Total Preferred & Common Equity		 58 61 65 73 151 161 171 167 173 179 188
Total Common Equity		 58 61 65 73 151 161 171 167 173 179 188
Common Stock		 54 55 55 63 129 126 120 119 120 115 110
Retained Earnings		 4.78 7.16 9.11 11 23 33 51 65 71 81 90
Accumulated Other Comprehensive Income / (Loss)		 -0.84 -0.21 0.61 -0.27 -0.47 1.49 0.16 -18 -17 -16 -12

Quarterly Balance Sheets for Citizens Community Bancorp

This table presents Citizens Community Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 1,819 1,802 1,799 1,780 1,735 1,727 1,823
Cash and Due from Banks		 29 37 37 100 67 82 149
Trading Account Securities		 245 240 242 229 224 225 216
Loans and Leases, Net of Allowance		 1,428 1,407 1,404 1,333 1,324 1,301 1,335
Loans and Leases		 1,450 1,429 1,425 1,353 1,346 1,323 1,358
Allowance for Loan and Lease Losses		 22 21 21 20 21 22 23
Loans Held for Sale		 0.00 0.28 0.70 3.30 6.06 5.35 0.65
Accrued Investment Income		 6.32 6.29 6.24 5.93 6.12 6.16 5.83
Premises and Equipment, Net		 18 18 17 17 16 16 16
Goodwill		 31 31 31 31 31 31 31
Intangible Assets		 1.52 1.34 1.16 0.80 0.62 0.51 0.28
Other Assets		 57 57 56 56 56 56 64
Total Liabilities & Shareholders' Equity		 1,819 1,802 1,799 1,780 1,735 1,727 1,823
Total Liabilities		 1,646 1,626 1,619 1,600 1,552 1,540 1,632
Non-Interest Bearing Deposits		 1,527 1,520 1,521 1,524 1,478 1,481 1,566
Short-Term Debt		 68 61 62 62 62 47 52
Long-Term Debt		 40 32 21 0.00 0.00 0.00 0.00
Other Long-Term Liabilities		 12 14 16 15 12 13 15
Total Equity & Noncontrolling Interests		 173 176 180 180 183 187 191
Total Preferred & Common Equity		 173 176 180 180 183 187 191
Total Common Equity		 173 176 180 180 183 187 191
Common Stock		 119 118 116 115 115 113 110
Retained Earnings		 72 76 78 80 84 87 93
Accumulated Other Comprehensive Income / (Loss)		 -18 -17 -14 -15 -15 -13 -12

Annual Metrics And Ratios for Citizens Community Bancorp

This table displays calculated financial ratios and metrics derived from Citizens Community Bancorp's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 9/30/2015 9/30/2016 9/30/2017 9/30/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 5,232,579.00 5,251,998.00 5,276,724.00 5,914,379.00 11,269,726.00 11,154,563.00 10,502,442.00 10,483,610.00 10,469,925.00 - 9,659,745.00
DEI Adjusted Shares Outstanding		 5,232,579.00 5,251,998.00 5,276,724.00 5,914,379.00 11,269,726.00 11,154,563.00 10,502,442.00 10,483,610.00 10,469,925.00 - 9,659,745.00
DEI Earnings Per Adjusted Shares Outstanding		 0.54 0.49 0.47 - 0.84 1.14 2.02 1.69 1.25 - 1.49
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -3.32% 6.73% 12.62% 0.00% 0.00% 17.47% 1.15% -3.87% -12.28% -3.44% 10.16%
EBITDA Growth		 7.19% -8.76% -7.12% -56.76% 554.68% 29.33% 57.65% -16.48% -18.23% -8.02% -0.98%
EBIT Growth		 7.33% -12.69% -0.96% -100.00% 0.00% 40.75% 67.59% -18.57% -19.72% -7.83% -0.05%
NOPAT Growth		 11.84% -8.30% -2.88% -100.00% 0.00% 34.47% 67.12% -16.48% -26.47% 5.30% 4.87%
Net Income Growth		 11.84% -8.30% -2.88% 0.00% 0.00% 34.47% 67.12% -16.48% -26.47% 5.30% 4.87%
EPS Growth		 12.50% -9.26% -6.12% 0.00% 0.00% 34.12% 73.68% -14.65% -26.04% 7.20% 8.96%
Operating Cash Flow Growth		 -26.28% -1.37% -66.43% 322.84% 0.00% 85.30% -9.19% 35.60% -55.19% 53.73% -42.68%
Free Cash Flow Firm Growth		 93.85% -1,797.77% -373.80% 443.21% -262.86% 98.55% 598.52% -202.67% 418.83% 18.24% -76.96%
Invested Capital Growth		 2.94% 12.04% 43.73% -100.00% 0.00% 5.32% -0.46% 12.09% -16.15% -23.30% -2.42%
Revenue Q/Q Growth		 -1.96% 5.37% 2.67% 0.00% 0.00% 0.00% 0.94% -2.11% -5.06% -0.89% 3.38%
EBITDA Q/Q Growth		 -10.18% -15.92% -15.68% -58.79% 0.00% 450.12% 12.73% -7.27% -7.05% -6.37% 8.76%
EBIT Q/Q Growth		 -16.30% -24.53% -17.24% -100.00% 0.00% 0.00% 13.52% -7.64% -7.99% -7.00% 9.60%
NOPAT Q/Q Growth		 -13.66% -21.55% -20.24% -100.00% 0.00% 0.00% 13.24% -7.12% -7.13% -6.72% 12.21%
Net Income Q/Q Growth		 -13.66% -21.55% -20.24% 0.00% 0.00% 0.00% 13.24% -7.12% -7.13% -6.72% 12.21%
EPS Q/Q Growth		 -12.90% -20.97% -22.03% 0.00% 0.00% 0.00% 14.45% -6.63% -7.41% -4.96% 12.31%
Operating Cash Flow Q/Q Growth		 -3.83% 18.88% -63.47% -52.04% 0.00% 6.07% -14.75% 18.52% -25.97% -6.31% 14.20%
Free Cash Flow Firm Q/Q Growth		 -103.20% 52.44% -579.68% 359.67% -276.77% 86.55% -0.93% -239.90% -78.78% 135.65% -51.47%
Invested Capital Q/Q Growth		 14.47% 1.02% 33.74% -100.00% 6.22% 0.67% 1.48% 12.96% 0.00% -6.47% 2.64%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 30.11% 25.74% 21.23% 0.00% 27.76% 30.56% 47.64% 41.39% 38.58% 36.75% 33.39%
EBIT Margin		 19.66% 16.08% 14.15% 0.00% 20.99% 25.15% 41.67% 35.30% 32.31% 30.84% 27.98%
Profit (Net Income) Margin		 12.48% 10.72% 9.25% 0.00% 16.18% 18.52% 30.60% 26.59% 22.29% 24.30% 23.14%
Tax Burden Percent		 63.48% 66.68% 65.38% 0.00% 77.08% 73.64% 73.43% 75.32% 68.98% 78.80% 82.68%
Interest Burden Percent		 100.00% 100.00% 100.00% 0.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 36.52% 33.32% 34.62% 0.00% 22.92% 26.36% 26.57% 24.68% 31.02% 21.20% 17.32%
Return on Invested Capital (ROIC)		 2.37% 2.02% 1.52% 0.00% 5.82% 3.81% 6.23% 4.91% 3.72% 4.86% 5.94%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.37% 2.02% 1.52% 0.00% 5.82% 3.81% 6.23% 4.91% 3.72% 4.86% 5.94%
Return on Net Nonoperating Assets (RNNOA)		 2.33% 2.07% 2.10% 0.00% 6.75% 4.37% 6.61% 5.60% 3.95% 2.95% 1.92%
Return on Equity (ROE)		 4.70% 4.08% 3.62% 0.00% 12.57% 8.18% 12.83% 10.51% 7.67% 7.80% 7.86%
Cash Return on Invested Capital (CROIC)		 -0.53% -9.34% -34.37% 200.00% -194.18% -1.37% 6.69% -6.49% 21.29% 31.23% 8.39%
Operating Return on Assets (OROA)		 0.77% 0.60% 0.47% 0.00% 1.60% 1.09% 1.71% 1.33% 1.03% 0.97% 0.99%
Return on Assets (ROA)		 0.49% 0.40% 0.31% 0.00% 1.24% 0.80% 1.26% 1.00% 0.71% 0.76% 0.82%
Return on Common Equity (ROCE)		 4.70% 4.08% 3.62% 0.00% 12.57% 8.18% 12.83% 10.51% 7.67% 7.80% 7.86%
Return on Equity Simple (ROE_SIMPLE)		 4.57% 3.99% 3.40% 3.10% 6.29% 7.93% 12.45% 10.63% 7.53% 7.68% 7.67%
Net Operating Profit after Tax (NOPAT)		 2.81 2.57 2.50 0.00 9.46 13 21 18 13 14 14
NOPAT Margin		 12.48% 10.72% 9.25% 0.00% 16.18% 18.52% 30.60% 26.59% 22.29% 24.30% 23.14%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 61.34% 63.33% 60.10% 0.00% 49.88% 49.40% 49.78% 51.03% 56.69% 62.25% 58.61%
Operating Expenses to Revenue		 77.42% 83.60% 84.67% 0.00% 72.98% 63.57% 58.33% 62.49% 68.50% 74.77% 68.89%
Earnings before Interest and Taxes (EBIT)		 4.42 3.86 3.82 0.00 12 17 29 24 19 17 17
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 6.77 6.18 5.74 2.48 16 21 33 28 23 21 21
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.64 0.78 0.87 0.00 0.82 0.69 0.79 0.72 0.67 0.89 0.91
Price to Tangible Book Value (P/TBV)		 0.64 0.86 1.11 0.00 1.11 0.90 1.00 0.90 0.83 1.09 1.10
Price to Revenue (P/Rev)		 1.75 2.11 2.38 0.00 2.12 1.62 1.95 1.79 1.99 2.82 2.75
Price to Earnings (P/E)		 14.01 19.65 25.69 0.00 13.10 8.74 6.36 6.75 8.93 11.62 11.87
Dividend Yield		 1.07% 1.25% 1.32% 2.66% 1.82% 2.11% 1.79% 2.27% 4.94% 2.01% 2.03%
Earnings Yield		 7.14% 5.09% 3.89% 0.00% 7.63% 11.44% 15.72% 14.81% 11.20% 8.61% 8.42%
Enterprise Value to Invested Capital (EV/IC)		 0.62 0.82 0.74 0.00 0.75 0.51 0.76 0.78 0.71 0.72 0.43
Enterprise Value to Revenue (EV/Rev)		 3.31 4.62 5.29 0.00 4.15 2.53 3.71 4.48 3.87 3.11 1.67
Enterprise Value to EBITDA (EV/EBITDA)		 10.98 17.94 24.90 0.00 14.95 8.27 7.78 10.83 10.02 8.47 5.00
Enterprise Value to EBIT (EV/EBIT)		 16.81 28.71 37.37 0.00 19.76 10.05 8.89 12.70 11.96 10.10 5.97
Enterprise Value to NOPAT (EV/NOPAT)		 26.49 43.07 57.16 0.00 25.64 13.65 12.11 16.86 17.34 12.81 7.22
Enterprise Value to Operating Cash Flow (EV/OCF)		 12.86 19.45 74.67 0.00 18.90 7.30 11.92 10.22 17.26 8.73 8.91
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 11.28 0.00 3.03 1.99 5.11
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.96 1.09 1.64 0.00 1.16 1.13 0.99 1.29 0.85 0.37 0.28
Long-Term Debt to Equity		 0.96 0.92 1.22 0.00 1.16 0.77 0.65 0.85 0.46 0.03 0.00
Financial Leverage		 0.99 1.03 1.38 1.64 1.16 1.15 1.06 1.14 1.06 0.61 0.32
Leverage Ratio		 9.63 10.13 11.86 12.80 10.17 10.22 10.22 10.52 10.77 10.21 9.62
Compound Leverage Factor		 9.63 10.13 11.86 0.00 10.17 10.22 10.22 10.52 10.77 10.21 9.62
Debt to Total Capital		 48.94% 52.13% 62.08% 0.00% 53.69% 53.10% 49.87% 56.26% 45.89% 27.11% 21.61%
Short-Term Debt to Total Capital		 0.00% 8.16% 15.64% 0.00% 0.00% 17.04% 17.14% 18.95% 21.06% 25.07% 21.61%
Long-Term Debt to Total Capital		 48.94% 43.97% 46.44% 0.00% 53.69% 36.07% 32.72% 37.31% 24.83% 2.04% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 51.06% 47.87% 37.92% 0.00% 46.31% 46.90% 50.13% 43.74% 54.11% 72.89% 78.39%
Debt to EBITDA		 8.70 11.38 20.98 0.00 10.75 8.66 5.13 7.77 6.50 3.20 2.49
Net Debt to EBITDA		 5.17 9.75 13.71 0.00 7.31 2.97 3.69 6.49 4.86 0.79 -3.22
Long-Term Debt to EBITDA		 8.70 9.60 15.69 0.00 10.75 5.88 3.37 5.15 3.52 0.24 0.00
Debt to NOPAT		 20.99 27.32 48.15 0.00 18.44 14.29 7.99 12.10 11.26 4.84 3.59
Net Debt to NOPAT		 12.48 23.41 31.47 0.00 12.54 4.90 5.75 10.11 8.41 1.20 -4.65
Long-Term Debt to NOPAT		 20.99 23.04 36.01 0.00 18.44 9.71 5.24 8.02 6.09 0.36 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -0.63 -12 -56 194 -316 -4.58 23 -23 75 88 20
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 373.90% 0.00% 678.57% 1,635.29% 1,252.29% 0.00% 942.22%
Free Cash Flow to Firm to Interest Expense		 -0.14 -2.38 -10.07 0.00 -18.66 -0.32 2.20 -1.80 2.08 2.05 0.56
Operating Cash Flow to Interest Expense		 1.30 1.14 0.34 0.00 0.76 1.67 2.08 2.25 0.37 0.47 0.32
Operating Cash Flow Less CapEx to Interest Expense		 1.53 1.20 0.43 0.00 0.56 1.71 1.78 2.11 0.34 0.47 0.29
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.03 0.00 0.08 0.04 0.04 0.04 0.03 0.03 0.04
Fixed Asset Turnover		 7.03 5.99 3.61 0.00 0.00 3.25 3.28 3.21 3.02 3.19 3.73
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 120 135 194 0.00 325 342 341 382 320 246 240
Invested Capital Turnover		 0.19 0.19 0.16 0.00 0.36 0.21 0.20 0.18 0.17 0.20 0.26
Increase / (Decrease) in Invested Capital		 3.43 14 59 -194 325 17 -1.57 41 -62 -75 -5.95
Enterprise Value (EV)		 74 111 143 0.00 243 174 258 299 226 176 104
Market Capitalization		 39 51 64 0.00 124 111 135 120 117 160 171
Book Value per Share		 $11.74 $12.29 $13.93 $0.00 $13.36 $14.39 $16.27 $15.94 $16.58 $17.85 $19.46
Tangible Book Value per Share		 $11.72 $11.24 $10.91 $0.00 $9.89 $11.08 $12.90 $12.70 $13.40 $14.61 $16.15
Total Capital		 120 135 194 0.00 325 342 341 382 320 246 240
Total Debt		 59 70 120 0.00 175 182 170 215 147 67 52
Total Long-Term Debt		 59 59 90 0.00 175 123 112 143 80 5.00 0.00
Net Debt		 35 60 79 0.00 119 62 122 180 110 16 -67
Capital Expenditures (CapEx)		 -0.99 -0.30 -0.52 -2.47 3.43 -0.59 3.18 1.79 1.05 -0.00 1.24
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 59 70 120 0.00 175 182 170 215 147 67 52
Total Depreciation and Amortization (D&A)		 2.35 2.32 1.91 2.48 3.96 3.72 4.15 4.07 3.68 3.35 3.37
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.50 $0.49 $0.47 $0.00 $0.00 $1.14 $1.98 $1.69 $1.25 $1.34 $1.46
Adjusted Weighted Average Basic Shares Outstanding		 5.23M 5.26M 5.88M 0.00 0.00 10.90M 10.54M 10.48M 10.46M 9.99M 9.63M
Adjusted Diluted Earnings per Share		 $0.50 $0.49 $0.46 $0.00 $0.00 $1.14 $1.98 $1.69 $1.25 $1.34 $1.46
Adjusted Weighted Average Diluted Shares Outstanding		 5.23M 5.26M 5.88M 0.00 0.00 10.90M 10.54M 10.48M 10.46M 9.99M 9.63M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 5.23M 5.26M 5.88M 0.00 0.00 10.90M 10.54M 10.48M 10.46M 9.99M 9.63M
Normalized Net Operating Profit after Tax (NOPAT)		 2.81 2.57 2.50 0.00 9.46 13 21 18 13 14 14
Normalized NOPAT Margin		 12.48% 10.72% 9.25% 0.00% 16.18% 18.52% 30.60% 26.59% 22.29% 24.30% 23.14%
Pre Tax Income Margin		 19.66% 16.08% 14.15% 0.00% 20.99% 25.15% 41.67% 35.30% 32.31% 30.84% 27.98%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.00 0.77 0.68 0.00 0.73 1.21 2.79 1.81 0.53 0.40 0.48
NOPAT to Interest Expense		 0.63 0.51 0.45 0.00 0.56 0.89 2.05 1.36 0.36 0.32 0.40
EBIT Less CapEx to Interest Expense		 1.22 0.83 0.77 0.00 0.52 1.25 2.49 1.67 0.50 0.40 0.44
NOPAT Less CapEx to Interest Expense		 0.86 0.57 0.54 0.00 0.36 0.93 1.74 1.23 0.33 0.32 0.36
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 14.90% 24.45% 33.69% 0.00% 23.23% 18.64% 11.81% 15.44% 23.28% 24.33% 24.95%
Augmented Payout Ratio		 14.90% 24.45% 34.33% 0.00% 23.23% 40.80% 49.20% 25.37% 26.50% 68.67% 66.94%

Quarterly Metrics And Ratios for Citizens Community Bancorp

This table displays calculated financial ratios and metrics derived from Citizens Community Bancorp's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 10,469,925.00 10,469,925.00 10,456,880.00 10,406,341.00 10,297,341.00 - 9,989,536.00 9,988,997.00 9,870,287.00 9,659,745.00 9,628,612.00
DEI Adjusted Shares Outstanding		 10,469,925.00 10,469,925.00 10,456,880.00 10,406,341.00 10,297,341.00 - 9,989,536.00 9,988,997.00 9,870,287.00 9,659,745.00 9,628,612.00
DEI Earnings Per Adjusted Shares Outstanding		 0.24 0.35 0.39 0.35 0.32 - 0.32 0.33 0.37 0.44 0.39
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -13.25% -18.00% 0.54% -7.60% -3.27% -3.58% -6.47% 19.70% 14.29% 14.87% 13.55%
EBITDA Growth		 -8.36% -23.53% 4.53% 6.93% -14.49% -25.38% -20.46% -11.75% 4.96% 34.45% 10.81%
EBIT Growth		 -4.45% -26.03% 5.61% 9.57% -17.00% -28.11% -23.46% -14.17% 8.36% 45.47% 16.56%
NOPAT Growth		 -37.44% -21.36% 11.63% 14.63% 31.55% -26.83% -21.80% -11.02% 12.05% 58.07% 17.45%
Net Income Growth		 -37.44% -21.36% 11.63% 14.63% 31.55% -26.83% -21.80% -11.02% 12.05% 58.07% 17.45%
EPS Growth		 -36.84% -22.22% 11.43% 12.90% 33.33% -20.00% -17.95% -5.71% 15.63% 57.14% 21.88%
Operating Cash Flow Growth		 12.46% -53.80% 402.64% 102.29% -27.28% -34.36% -82.37% -107.93% 89.19% 46.86% 146.50%
Free Cash Flow Firm Growth		 20,788.90% 279.09% 290.84% 5,332.87% -176.14% 18.27% -70.19% -69.88% 112.64% -86.79% -93.34%
Invested Capital Growth		 0.00% -16.15% -32.47% -24.31% 0.00% -23.30% -13.63% -8.87% -11.09% -2.42% 0.42%
Revenue Q/Q Growth		 0.60% -3.13% 6.62% -11.08% 5.32% -3.44% 3.43% 13.82% 0.55% -2.95% 2.23%
EBITDA Q/Q Growth		 13.48% -6.19% 9.76% -8.48% -9.25% -17.33% 15.39% 1.54% 7.93% 6.32% -4.90%
EBIT Q/Q Growth		 17.17% -7.36% 11.15% -9.19% -11.24% -19.76% 18.34% 1.84% 12.06% 7.72% -5.18%
NOPAT Q/Q Growth		 -22.08% 47.84% 10.70% -10.10% -10.59% -17.77% 18.32% 2.28% 12.60% 16.00% -12.08%
Net Income Q/Q Growth		 -22.08% 47.84% 10.70% -10.10% -10.59% -17.77% 18.32% 2.28% 12.60% 16.00% -12.08%
EPS Q/Q Growth		 -22.58% 45.83% 11.43% -10.26% -8.57% -12.50% 14.29% 3.13% 12.12% 18.92% -11.36%
Operating Cash Flow Q/Q Growth		 90.36% -18.01% 131.48% -44.01% -31.57% -24.92% -38.55% -125.17% 1,733.25% -41.86% 3.14%
Free Cash Flow Firm Q/Q Growth		 20,448.73% -80.81% 112.01% -35.03% -387.99% 129.81% -46.57% -34.35% 20.91% -68.85% -73.07%
Invested Capital Q/Q Growth		 -100.00% 0.00% -12.64% -3.86% -2.36% -6.47% -1.62% 1.44% -4.73% 2.64% 1.24%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 40.47% 39.19% 40.34% 41.52% 35.77% 30.33% 34.31% 30.61% 32.85% 35.99% 33.48%
EBIT Margin		 34.33% 32.83% 34.23% 34.95% 29.46% 24.48% 28.01% 25.06% 27.93% 31.00% 28.75%
Profit (Net Income) Margin		 17.01% 25.96% 26.95% 27.24% 23.13% 19.70% 22.53% 20.25% 22.68% 27.11% 23.31%
Tax Burden Percent		 49.54% 79.06% 78.74% 77.94% 78.52% 80.46% 80.45% 80.80% 81.19% 87.43% 81.07%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 50.46% 20.94% 21.26% 22.06% 21.48% 19.54% 19.55% 19.20% 18.81% 12.57% 18.93%
Return on Invested Capital (ROIC)		 0.00% 4.33% 4.56% 5.02% 10.05% 3.94% 4.80% 4.59% 5.51% 6.96% 6.18%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 4.33% 4.56% 5.02% 10.05% 3.94% 4.80% 4.59% 5.51% 6.96% 6.18%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 4.61% 4.82% 4.16% 4.61% 2.39% 2.30% 1.97% 1.94% 2.25% 1.89%
Return on Equity (ROE)		 0.00% 8.94% 9.37% 9.18% 14.66% 6.33% 7.10% 6.56% 7.45% 9.21% 8.08%
Cash Return on Invested Capital (CROIC)		 0.00% 21.29% 42.65% 32.14% -188.78% 31.23% 19.55% 14.12% 16.91% 8.39% 5.77%
Operating Return on Assets (OROA)		 0.00% 1.05% 1.09% 1.11% 0.93% 0.77% 0.87% 0.83% 0.96% 1.09% 1.03%
Return on Assets (ROA)		 0.00% 0.83% 0.86% 0.86% 0.73% 0.62% 0.70% 0.67% 0.78% 0.96% 0.83%
Return on Common Equity (ROCE)		 0.00% 8.94% 9.37% 9.18% 14.66% 6.33% 7.10% 6.56% 7.45% 9.21% 8.08%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 0.00% 7.80% 7.93% 8.18% 0.00% 7.14% 6.79% 6.88% 0.00% 7.85%
Net Operating Profit after Tax (NOPAT)		 2.50 3.69 4.09 3.68 3.29 2.70 3.20 3.27 3.68 4.27 3.76
NOPAT Margin		 17.01% 25.96% 26.95% 27.24% 23.13% 19.70% 22.53% 20.25% 22.68% 27.11% 23.31%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 56.85% 57.82% 56.77% 64.64% 62.47% 65.74% 61.82% 56.67% 59.24% 57.06% 55.79%
Operating Expenses to Revenue		 67.88% 71.74% 71.05% 76.35% 73.36% 78.80% 73.75% 66.58% 68.06% 67.73% 66.59%
Earnings before Interest and Taxes (EBIT)		 5.04 4.67 5.19 4.72 4.19 3.36 3.97 4.05 4.54 4.89 4.63
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 5.94 5.58 6.12 5.60 5.08 4.16 4.87 4.94 5.33 5.67 5.39
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.00 0.67 0.72 0.67 0.79 0.89 0.79 0.75 0.85 0.91 1.00
Price to Tangible Book Value (P/TBV)		 0.00 0.83 0.89 0.82 0.97 1.09 0.97 0.91 1.02 1.10 1.20
Price to Revenue (P/Rev)		 1.58 1.99 2.12 2.04 2.50 2.82 2.57 2.37 2.63 2.75 2.97
Price to Earnings (P/E)		 6.96 8.93 9.21 8.43 9.67 11.62 11.11 11.07 12.34 11.87 12.73
Dividend Yield		 5.89% 4.94% 2.69% 2.83% 2.31% 2.01% 2.52% 2.61% 2.24% 2.03% 0.53%
Earnings Yield		 14.37% 11.20% 10.86% 11.86% 10.34% 8.61% 9.00% 9.04% 8.10% 8.42% 7.86%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.71 0.72 0.65 0.72 0.72 0.43 0.54 0.53 0.43 0.38
Enterprise Value to Revenue (EV/Rev)		 0.00 3.87 3.45 3.02 3.30 3.11 1.88 2.27 2.04 1.67 1.45
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 10.02 8.86 7.48 8.43 8.47 5.28 7.00 6.42 5.00 4.37
Enterprise Value to EBIT (EV/EBIT)		 0.00 11.96 10.55 8.86 10.05 10.10 6.43 8.49 7.73 5.97 5.15
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 17.34 15.02 12.45 12.79 12.81 8.11 10.61 9.57 7.22 6.23
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 17.26 9.90 7.54 8.68 8.73 8.11 18.57 12.01 8.91 6.64
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 3.03 1.37 1.73 0.00 1.99 2.05 3.64 2.93 5.11 6.68
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.00 0.85 0.62 0.53 0.46 0.37 0.34 0.34 0.25 0.28 0.27
Long-Term Debt to Equity		 0.00 0.46 0.23 0.18 0.12 0.03 0.00 0.00 0.00 0.00 0.00
Financial Leverage		 0.00 1.06 1.06 0.83 0.46 0.61 0.48 0.43 0.35 0.32 0.31
Leverage Ratio		 0.00 10.77 10.91 10.63 9.99 10.21 10.20 9.84 9.61 9.62 9.71
Compound Leverage Factor		 0.00 10.77 10.91 10.63 9.99 10.21 10.20 9.84 9.61 9.62 9.71
Debt to Total Capital		 0.00% 45.89% 38.24% 34.57% 31.42% 27.11% 25.51% 25.17% 20.02% 21.61% 21.36%
Short-Term Debt to Total Capital		 0.00% 21.06% 24.13% 22.86% 23.43% 25.07% 25.51% 25.17% 20.02% 21.61% 21.36%
Long-Term Debt to Total Capital		 0.00% 24.83% 14.12% 11.71% 7.99% 2.04% 0.00% 0.00% 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 0.00% 54.11% 61.76% 65.43% 68.58% 72.89% 74.49% 74.83% 79.98% 78.39% 78.64%
Debt to EBITDA		 0.00 6.50 4.68 4.00 3.69 3.20 3.12 3.27 2.44 2.49 2.43
Net Debt to EBITDA		 0.00 4.86 3.43 2.41 2.05 0.79 -1.95 -0.30 -1.86 -3.22 -4.56
Long-Term Debt to EBITDA		 0.00 3.52 1.73 1.36 0.94 0.24 0.00 0.00 0.00 0.00 0.00
Debt to NOPAT		 0.00 11.26 7.94 6.66 5.60 4.84 4.80 4.96 3.64 3.59 3.46
Net Debt to NOPAT		 0.00 8.41 5.81 4.02 3.11 1.20 -3.00 -0.46 -2.78 -4.65 -6.50
Long-Term Debt to NOPAT		 0.00 6.09 2.93 2.26 1.42 0.36 0.00 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 341 65 139 90 -259 77 41 27 33 10 2.75
Operating Cash Flow to CapEx		 2,852.07% 663.09% 4,551.24% 4,573.21% 3,851.65% 0.00% 2,481.54% -186.24% 1,717.88% 673.95% 697.54%
Free Cash Flow to Firm to Interest Expense		 35.30 6.36 12.87 8.27 -23.11 7.54 4.35 2.95 3.63 1.17 0.32
Operating Cash Flow to Interest Expense		 0.50 0.38 0.85 0.47 0.31 0.25 0.17 -0.04 0.73 0.44 0.47
Operating Cash Flow Less CapEx to Interest Expense		 0.48 0.33 0.83 0.46 0.30 0.29 0.16 -0.07 0.69 0.38 0.40
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.00 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.04 0.04
Fixed Asset Turnover		 0.00 3.02 3.07 3.06 3.29 3.19 3.21 3.41 3.59 3.73 3.88
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 0.00 320 280 269 263 246 242 245 234 240 243
Invested Capital Turnover		 0.00 0.17 0.17 0.18 0.43 0.20 0.21 0.23 0.24 0.26 0.27
Increase / (Decrease) in Invested Capital		 -338 -62 -135 -86 263 -75 -38 -24 -29 -5.95 1.00
Enterprise Value (EV)		 0.00 226 203 174 189 176 104 132 123 104 93
Market Capitalization		 98 117 124 118 143 160 143 138 159 171 191
Book Value per Share		 $0.00 $16.58 $16.53 $16.92 $17.49 $17.85 $18.02 $18.37 $18.93 $19.46 $19.82
Tangible Book Value per Share		 $0.00 $13.40 $13.37 $13.76 $14.32 $14.61 $14.79 $15.15 $15.68 $16.15 $16.52
Total Capital		 0.00 320 280 269 263 246 242 245 234 240 243
Total Debt		 0.00 147 107 93 83 67 62 62 47 52 52
Total Long-Term Debt		 0.00 80 40 32 21 5.00 0.00 0.00 0.00 0.00 0.00
Net Debt		 0.00 110 78 56 46 16 -39 -5.73 -36 -67 -97
Capital Expenditures (CapEx)		 0.17 0.60 0.20 0.11 0.09 -0.41 0.07 0.22 0.39 0.57 0.57
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 147 107 93 83 67 62 62 47 52 52
Total Depreciation and Amortization (D&A)		 0.90 0.90 0.93 0.89 0.90 0.80 0.89 0.90 0.80 0.79 0.76
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.35 $0.39 $0.35 $0.32 $0.28 $0.32 $0.33 $0.37 $0.44 $0.39
Adjusted Weighted Average Basic Shares Outstanding		 0.00 10.46M 10.41M 10.30M 10.03M 9.99M 9.99M 9.87M 9.66M 9.63M 9.64M
Adjusted Diluted Earnings per Share		 $0.00 $0.35 $0.39 $0.35 $0.32 $0.28 $0.32 $0.33 $0.37 $0.44 $0.39
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 10.46M 10.41M 10.30M 10.03M 9.99M 9.99M 9.87M 9.66M 9.63M 9.64M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 10.46M 10.41M 10.30M 10.03M 9.99M 9.99M 9.87M 9.66M 9.63M 9.64M
Normalized Net Operating Profit after Tax (NOPAT)		 3.53 3.69 4.09 3.68 3.29 2.70 3.20 3.27 3.68 4.27 3.76
Normalized NOPAT Margin		 24.03% 25.96% 26.95% 27.24% 23.13% 19.70% 22.53% 20.25% 22.68% 27.11% 23.31%
Pre Tax Income Margin		 34.33% 32.83% 34.23% 34.95% 29.46% 24.48% 28.01% 25.06% 27.93% 31.00% 28.75%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.52 0.45 0.48 0.43 0.37 0.33 0.42 0.44 0.50 0.56 0.54
NOPAT to Interest Expense		 0.26 0.36 0.38 0.34 0.29 0.26 0.34 0.36 0.41 0.49 0.44
EBIT Less CapEx to Interest Expense		 0.50 0.40 0.46 0.42 0.36 0.37 0.41 0.42 0.46 0.50 0.48
NOPAT Less CapEx to Interest Expense		 0.24 0.30 0.36 0.33 0.28 0.30 0.33 0.33 0.36 0.42 0.37
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 21.62% 23.28% 24.81% 23.98% 22.70% 24.33% 27.98% 28.89% 28.00% 24.95% 6.75%
Augmented Payout Ratio		 28.03% 26.50% 32.37% 39.30% 56.82% 68.67% 27.98% 63.12% 54.37% 66.94% 6.75%

Financials Breakdown Chart

Key Financial Trends

Citizens Community Bancorp (NASDAQ: CZWI) reported a solid start to fiscal 2026, with Q1 net income of $3.8 million, up from $4.3 million in Q4 2025 but above the $3.2 million earned in Q1 2025. The bank’s balance sheet also grew, with total assets rising to $1.82 billion from $1.73 billion at the end of Q3 2025 and $1.78 billion at the end of Q1 2025.

For retail investors, the main story is that CZWI continues to produce consistent quarterly profits and strong liquidity, but earnings momentum looks a bit more mixed than the headline net income suggests. Deposit growth and a larger cash position helped support the quarter, while provisions for credit losses and funding costs remained important pressure points.

  • Quarterly earnings remained profitable: Q1 2026 net income was $3.8 million, showing the bank is still generating steady earnings.
  • Balance sheet expanded: Total assets increased to $1.82 billion, up from $1.73 billion in Q3 2025 and $1.78 billion in Q1 2025.
  • Deposits grew meaningfully: Non-interest bearing deposits rose to $1.57 billion from $1.48 billion in Q3 2025, supporting low-cost funding.
  • Net interest income held up: Q1 2026 net interest income was $13.0 million, only modestly below recent quarters and still a major earnings driver.
  • Operating cash flow stayed positive: The company generated $4.0 million in operating cash during Q1 2026.
  • Cash position improved: Cash and due from banks climbed to $149.2 million from $82.4 million in Q3 2025.
  • Loan growth was modest: Loans and leases increased to $1.36 billion from $1.32 billion in Q3 2025, indicating only moderate balance-sheet expansion.
  • EPS stayed near prior levels: Q1 2026 basic EPS was $0.39, versus $0.44 in Q4 2025 and $0.39 in Q1 2025.
  • Dividend remained modest: Cash dividends per share were $0.105 in Q1 2026, suggesting a conservative payout approach.
  • Credit-loss provisioning increased: Provision for credit losses was $750,000 in Q1 2026, up from $233,000 in Q4 2025, which may signal a more cautious outlook on loan quality.
  • Non-interest expense remains elevated: Total non-interest expense was $10.7 million, keeping efficiency improvements limited.
  • Funding costs are still meaningful: Deposit interest expense was $7.8 million in Q1 2026, a large drag on profitability even as revenues stayed stable.
  • Shareholder equity is thin relative to assets: Total common equity was $190.9 million against $1.82 billion of assets, leaving the bank moderately leveraged like most community banks but with limited capital cushion.

Longer-term trend: Over the last four years, CZWI has shown a pattern of relatively stable quarterly profitability, but earnings have not been linear. Net income has generally ranged around the $2.5 million to $4.3 million level per quarter, with swings driven by interest expense, investment gains/losses, and credit-loss provisions. The bank has also kept loan balances fairly steady to slightly higher over time, while deposits and cash have moved around more noticeably quarter to quarter.

Bottom line: Citizens Community Bancorp looks like a stable, profitable community bank with solid liquidity and a growing deposit base. However, investors should watch whether higher provisions and funding costs begin to pressure margins, since those remain the biggest variables in CZWI’s earnings profile.

07/17/26 01:42 PM ETAI Generated. May Contain Errors.

Citizens Community Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Citizens Community Bancorp's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Citizens Community Bancorp's net income appears to be on an upward trend, with a most recent value of $14.42 million in 2025, rising from $2.51 million in 2014. The previous period was $13.75 million in 2024. See where experts think Citizens Community Bancorp is headed by visiting Citizens Community Bancorp's forecast page.

Over the last 10 years, Citizens Community Bancorp's total revenue changed from $23.25 million in 2014 to $62.33 million in 2025, a change of 168.1%.

Citizens Community Bancorp's total liabilities were at $1.59 billion at the end of 2025, a 1.6% increase from 2024, and a 211.4% increase since 2014.

In the past 10 years, Citizens Community Bancorp's cash and equivalents has ranged from $10.05 million in 2016 to $119.44 million in 2020, and is currently $118.85 million as of their latest financial filing in 2025.

Over the last 10 years, Citizens Community Bancorp's book value per share changed from 11.74 in 2015 to 19.46 in 2025, a change of 65.7%.


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Financial statements for NASDAQ:CZWI last updated on 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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