NASDAQ : CZWI
Citizens Community Bancorp, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 23.43 USD (Oct 30, 2026, 4:00 PM EST) · Market cap 224.44M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 77.53M | 77.50M | 79.74M | 73.58M | 61.64M | 58.17M |
| Interest Income on Investments | 10.99M | 10.13M | 9.88M | 10.67M | 7.76M | 5.86M |
| Total Interest Income | 88.52M | 87.63M | 89.61M | 84.25M | 69.40M | 64.03M |
| Interest Paid on Deposits | 31.60M | 33.10M | 37.98M | 25.75M | 6.43M | 5.85M |
| Interest Paid on Borrowings | 2.85M | 3.34M | 5.16M | 10.15M | 6.60M | 4.52M |
| Total Interest Expense | 34.45M | 36.45M | 43.14M | 35.90M | 13.03M | 10.37M |
| Net Interest Income | 54.07M | 51.18M | 46.47M | 48.35M | 56.37M | 53.67M |
| Gain (Loss) on Sale of Investments | 548.00K | 234.00K | -856.00K | 459.00K | 541.00K | 1.22M |
| Other Non-Interest Income | 6.40M | 6.22M | 6.64M | 6.15M | 6.40M | 7.47M |
| Total Non-Interest Income | 11.28M | 11.14M | 9.92M | 10.25M | 10.43M | 15.82M |
| Revenues Before Loan Losses | 65.35M | 62.33M | 56.40M | 58.60M | 66.80M | 69.49M |
| Provision for Loan Losses | 5.40M | 1.95M | -3.17M | -475.00K | 1.48M | |
| Revenue | 59.95M | 60.38M | 59.57M | 59.07M | 65.32M | 69.49M |
| Salaries and Employee Benefits | 23.75M | 23.73M | 22.11M | 20.38M | 21.27M | 21.92M |
| Occupancy Expenses | 4.72M | |||||
| Federal Deposit Insurance | 815.00K | 773.00K | 798.00K | 812.00K | 470.00K | 551.00K |
| Amortization of Goodwill & Intangibles | 1.08M | 1.21M | 1.25M | 1.37M | 2.24M | 3.23M |
| Selling, General & Administrative | 13.60M | 14.58M | 14.88M | 14.36M | 14.53M | 9.50M |
| Other Non-Interest Expense | 3.38M | 2.62M | 2.98M | 3.15M | 4.20M | 2.25M |
| Total Non-Interest Expense | 42.58M | 42.94M | 42.31M | 40.14M | 42.31M | 41.98M |
| EBT Excluding Unusual Items | 17.37M | 17.44M | 17.27M | 18.93M | 23.02M | 27.51M |
| Asset Writedown | 566.00K | 1.45M | ||||
| Pretax Income | 17.37M | 17.44M | 17.45M | 18.93M | 23.58M | 28.96M |
| Income Tax Expense | 2.83M | 3.02M | 3.70M | 5.87M | 5.82M | 7.69M |
| Net Income | 14.53M | 14.42M | 13.75M | 13.06M | 17.76M | 21.27M |
| Net Income to Common | 14.53M | 14.42M | 13.75M | 13.06M | 17.76M | 21.27M |
| Basic Shares Outstanding | 9.65M | 9.90M | 10.26M | 10.47M | 10.51M | 10.72M |
| Diluted Shares Outstanding | 9.66M | 9.91M | 10.26M | 10.47M | 10.51M | 10.73M |
| EPS (Basic) | 1.51 | 1.46 | 1.34 | 1.25 | 1.69 | 1.98 |
| EPS (Diluted) | 1.50 | 1.46 | 1.34 | 1.25 | 1.69 | 1.98 |
| Dividend Per Share | 0.32 | 0.36 | 0.32 | 0.29 | 0.26 | 0.23 |
| Effective Tax Rate | 16.31% | 17.32% | 21.20% | 31.02% | 24.68% | 26.57% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 95.44M | 118.85M | 50.17M | 37.14M | 35.36M | 47.69M |
| Investment Securities | 91.57M | 81.37M | 79.67M | 86.15M | 93.37M | 103.34M |
| Mortgage-Backed Securities | 134.12M | 146.49M | 153.39M | 164.11M | 174.39M | 173.71M |
| Total Investments | 225.69M | 227.86M | 233.06M | 250.26M | 267.76M | 277.05M |
| Gross Loans | 1.39B | 1.34B | 1.37B | 1.46B | 1.42B | 1.32B |
| Allowance for Loan Losses | -26.14M | -22.40M | -20.55M | -22.91M | -17.94M | -16.91M |
| Other Adjustments to Gross Loans | -2.70M | -2.64M | -3.40M | -4.11M | -4.35M | -6.08M |
| Net Loans | 1.36B | 1.32B | 1.35B | 1.44B | 1.39B | 1.29B |
| Property, Plant & Equipment | 17.34M | 17.12M | 17.89M | 19.85M | 22.19M | 23.33M |
| Goodwill | 31.50M | 31.50M | 31.50M | 31.50M | 31.50M | 31.50M |
| Other Intangible Assets | 56.00K | 395.00K | 979.00K | 1.69M | 2.45M | 3.90M |
| Loans Held for Sale | 1.56M | 4.95M | 1.33M | 5.77M | 6.67M | |
| Accrued Interest Receivable | 6.44M | 6.13M | 5.65M | 5.41M | 5.29M | 3.92M |
| Other Real Estate Owned & Foreclosed | 1.09M | 857.00K | 915.00K | 1.79M | 1.27M | 1.41M |
| Other Long-Term Assets | 53.81M | 52.45M | 54.73M | 52.79M | 49.07M | 42.24M |
| Total Assets | 1.80B | 1.78B | 1.75B | 1.85B | 1.82B | 1.74B |
| Interest Bearing Deposits | 1.27B | 1.20B | 1.17B | 1.15B | 1.07B | 1.09B |
| Institutional Deposits | 57.14M | 68.98M | 103.80M | 66.83M | 22.38M | |
| Non-Interest Bearing Deposits | 271.69M | 264.39M | 252.66M | 265.70M | 284.72M | 276.63M |
| Total Deposits | 1.54B | 1.52B | 1.49B | 1.52B | 1.42B | 1.39B |
| Current Portion of Long-Term Debt | 5.00M | 64.53M | 117.00M | 11.00M | ||
| Current Portion of Leases | 523.00K | |||||
| Long-Term Debt | 51.92M | 51.80M | 61.61M | 67.47M | 72.41M | 58.43M |
| Federal Home Loan Bank Debt, Long-Term | 15.00M | 25.53M | 100.53M | |||
| Long-Term Leases | 427.00K | 1.08M | 1.69M | 1.95M | 2.23M | |
| Other Long-Term Liabilities | 16.30M | 16.96M | 13.61M | 10.28M | 7.69M | 9.05M |
| Total Liabilities | 1.60B | 1.59B | 1.57B | 1.68B | 1.65B | 1.57B |
| Common Stock | 96.00K | 96.00K | 100.00K | 104.00K | 104.00K | 105.00K |
| Additional Paid-In Capital | 109.67M | 110.31M | 114.56M | 119.44M | 119.24M | 119.92M |
| Retained Earnings | 96.46M | 90.00M | 80.84M | 71.12M | 65.40M | 50.67M |
| Comprehensive Income & Other | -15.49M | -12.47M | -16.42M | -17.33M | -17.66M | 161.00K |
| Shareholders' Equity | 190.74M | 187.94M | 179.08M | 173.33M | 167.09M | 170.87M |
| Total Liabilities & Equity | 1.80B | 1.78B | 1.75B | 1.85B | 1.82B | 1.74B |
| Total Debt | 51.92M | 52.75M | 67.68M | 148.68M | 216.88M | 172.18M |
| Net Cash (Debt) | 43.52M | 66.10M | -17.51M | -111.54M | -181.27M | -122.98M |
| Net Cash Per Share | 4.51 | 6.67 | -1.71 | -10.65 | -17.24 | -11.46 |
| Filing Date Shares Outstanding | 9.58M | 9.63M | 9.99M | 10.46M | 10.48M | 10.54M |
| Total Common Shares Outstanding | 9.58M | 9.62M | 9.98M | 10.44M | 10.43M | 10.50M |
| Book Value Per Share | 19.91 | 19.54 | 17.94 | 16.60 | 16.03 | 16.27 |
| Tangible Book Value | 159.19M | 156.05M | 146.61M | 140.14M | 133.14M | 135.47M |
| Tangible Book Value Per Share | 16.62 | 16.23 | 14.69 | 13.42 | 12.77 | 12.90 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 14.42M | 13.75M | 13.06M | 17.76M | 21.27M | |
| Depreciation & Amortization | 3.23M | 3.42M | 3.74M | 4.59M | 5.49M | |
| Other Amortization | 203.00K | 224.00K | ||||
| Gain (Loss) on Sale of Assets | -15.00K | -19.00K | 62.00K | -395.00K | -168.00K | |
| Gain (Loss) on Sale of Investments | -298.00K | 778.00K | -523.00K | -500.00K | -1.12M | |
| Total Asset Writedown | 48.00K | 313.00K | -566.00K | -1.45M | ||
| Provision for Credit Losses | 1.95M | -3.17M | -475.00K | 1.48M | ||
| Net Decrease (Increase) in Loans Originated / Sold - Operating | -700.00K | 6.66M | -4.08M | 8.14M | ||
| Accrued Interest Receivable | -5.29M | -1.77M | 54.00K | 79.00K | 1.24M | |
| Change in Other Net Operating Assets | 1.97M | 1.43M | -117.00K | -2.58M | 3.00K | |
| Other Operating Activities | -1.06M | 380.00K | 1.99M | 1.16M | 930.00K | |
| Operating Cash Flow | 11.69M | 20.40M | 13.12M | 29.29M | 21.60M | |
| Capital Expenditures | -1.31M | -889.00K | -1.37M | -3.60M | -3.78M | |
| Sale of Property, Plant and Equipment | 13.00K | 12.00K | 14.00K | 38.00K | ||
| Investment in Securities | 18.34M | 20.38M | 14.86M | -15.73M | -86.51M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | 28.51M | 92.32M | -48.30M | -101.37M | -73.64M | |
| Other Investing Activities | 163.00K | 1.92M | 591.00K | 1.51M | 683.00K | |
| Investing Cash Flow | 45.71M | 113.74M | -34.20M | -119.19M | -163.20M | |
| Short-Term Debt Issued | 112.00M | |||||
| Long-Term Debt Issued | 5.00M | 25.00M | 34.19M | 29.00K | ||
| Total Debt Issued | 5.00M | 25.00M | 146.19M | 29.00K | ||
| Short-Term Debt Repaid | -44.00M | -68.00M | ||||
| Long-Term Debt Repaid | -20.00M | -36.61M | -25.17M | -101.62M | -12.11M | |
| Total Debt Repaid | -20.00M | -80.61M | -93.17M | -101.62M | -12.11M | |
| Net Debt Issued (Repaid) | -15.01M | -80.61M | -68.17M | 44.57M | -12.08M | |
| Issuance of Common Stock | 179.00K | 22.00K | 29.00K | 71.00K | 52.00K | |
| Repurchase of Common Stock | -6.25M | -6.22M | -550.00K | -1.91M | -7.98M | |
| Common Dividends Paid | -3.60M | -3.35M | -3.04M | -2.74M | -2.51M | |
| Net Increase (Decrease) in Deposit Accounts | 35.95M | -30.95M | 94.36M | 37.19M | 92.28M | |
| Other Financing Activities | 223.00K | 398.00K | 98.00K | |||
| Financing Cash Flow | 11.28M | -121.11M | 22.86M | 77.57M | 69.85M | |
| Net Cash Flow | 68.68M | 13.03M | 1.77M | -12.33M | -71.75M | |
| Free Cash Flow | 10.38M | 19.51M | 11.76M | 25.69M | 17.82M | |
| Free Cash Flow Margin | 17.20% | 32.75% | 19.90% | 39.32% | 25.64% | |
| Free Cash Flow Per Share | 1.05 | 1.90 | 1.12 | 2.44 | 1.66 | |
| Cash Interest Paid | 38.61M | 39.56M | 33.53M | 12.64M | 10.58M | |
| Cash Income Tax Paid | 2.06M | 2.32M | 3.98M | 4.87M | 6.83M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 228.42M | 172.14M | 163.45M | 122.58M | 126.12M | 144.62M |
| Last Close Price | 23.43 | 17.55 | 15.68 | 10.97 | 11.01 | 12.40 |
| PE Ratio | 15.87 | 11.94 | 11.89 | 9.39 | 7.10 | 6.80 |
| PS Ratio | 3.74 | 2.85 | 2.74 | 2.08 | 1.93 | 2.08 |
| PB Ratio | 1.18 | 0.92 | 0.91 | 0.71 | 0.76 | 0.85 |
| P/FCF Ratio | 11.60 | 16.58 | 8.38 | 10.43 | 4.91 | 8.12 |
| P/OCF Ratio | 10.03 | 14.72 | 8.01 | 9.34 | 4.31 | 6.70 |
| Debt / Equity Ratio | 0.27 | 0.28 | 0.38 | 0.86 | 1.30 | 1.01 |
| Debt / FCF Ratio | 5.08 | 3.47 | 12.65 | 8.44 | 9.66 | |
| Net Debt / Equity Ratio | -0.23 | -0.35 | 0.10 | 0.64 | 1.08 | 0.72 |
| Net Debt / FCF Ratio | -6.37 | 0.90 | 9.49 | 7.06 | 6.90 | |
| Return on Equity (ROE) | 7.70% | 7.86% | 7.80% | 7.67% | 10.51% | 12.83% |
| Return on Assets (ROA) | 0.83% | 0.82% | 0.76% | 0.71% | 1.00% | 1.26% |
| Earnings Yield | 6.30% | 8.38% | 8.41% | 10.65% | 14.08% | 14.70% |
| FCF Yield | 8.62% | 6.03% | 11.94% | 9.59% | 20.37% | 12.32% |
| Dividend Yield | 2.04% | 2.01% | 1.95% | 2.47% | 2.15% | 1.67% |
| Payout Ratio | 28.95% | 24.95% | 24.33% | 23.28% | 15.44% | 11.81% |
| Buyback Yield / Dilution | 3.32% | 3.47% | 1.98% | 0.42% | 1.99% | 3.90% |
| Total Shareholder Return | 5.37% | 5.48% | 3.93% | 2.89% | 4.13% | 5.57% |