Citizens Community Bancorp (CZWI) financial statements
Citizens Community Bancorp reported revenue of $62M in fiscal 2025, up 11.2% a year over 9 years.
Net income was $14M.
Free cash flow was $10M, and the company returned $4M in dividends and $6M in net buybacks.
The diluted share count rose 89% over the period (dilution).
Revenue and free cash flow
Fiscal years, $ billions.
Income statement
Fiscal years, from Citizens Community Bancorp's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $24M | $27M | $38M | $58M | $69M | $69M | $67M | $59M | $57M | $62M |
| Interest expense | $5M | $6M | $9M | $17M | $14M | $10M | $13M | $36M | — | — |
| Pre-tax income | $4M | $4M | $7M | $12M | $17M | $29M | $24M | $19M | $17M | $17M |
| Income tax | $1M | $1M | $2M | $3M | $5M | $8M | $6M | $6M | $4M | $3M |
| Net income | $3M | $2M | $4M | $9M | $13M | $21M | $18M | $13M | $14M | $14M |
| EPS (diluted) | $0.49 | $0.46 | $0.58 | $0.85 | $1.14 | $1.98 | $1.69 | $1.25 | $1.34 | $1.46 |
| Diluted shares | 5M | 5M | 7M | 11M | 11M | 11M | 11M | 10M | 10M | 10M |
| Net margin | 10.7% | 9.2% | 11.4% | 16.2% | 18.5% | 30.6% | 26.6% | 22.3% | 24.3% | 23.1% |
Balance sheet
Fiscal years, from Citizens Community Bancorp's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and short-term investments | $10M | $42M | $34M | $56M | $119M | $48M | $35M | $37M | $50M | $119M |
| Property, plant and equipment | $5M | $10M | $10M | $21M | $21M | $21M | $20M | $18M | $17M | $16M |
| Goodwill | $5M | $10M | $10M | $31M | $31M | $31M | $31M | $31M | $31M | $31M |
| Total assets | $696M | $941M | $975M | $1.5B | $1.6B | $1.7B | $1.8B | $1.9B | $1.7B | $1.8B |
| Total liabilities | $631M | $867M | $840M | $1.4B | $1.5B | $1.6B | $1.6B | $1.7B | $1.6B | $1.6B |
| Shareholders' equity | $65M | $73M | $136M | $151M | $161M | $171M | $167M | $173M | $179M | $188M |
| Net debt | -$10M | -$42M | -$34M | -$56M | -$119M | -$48M | -$35M | -$37M | -$50M | -$119M |
Cash flow
Fiscal years, from Citizens Community Bancorp's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $6M | $2M | $11M | $13M | $24M | $22M | $29M | $13M | $20M | $12M |
| Capital spending | $961,000 | $609,000 | $3M | $7M | $3M | $4M | $4M | $1M | $889,000 | $1M |
| Free cash flow | $5M | $1M | $8M | $6M | $21M | $18M | $26M | $12M | $20M | $10M |
| Stock-based compensation | $33,000 | $31,000 | — | — | — | — | — | — | $631,000 | $146,000 |
| Dividends paid | $629,000 | $842,000 | $1M | $2M | $2M | $3M | $3M | $3M | $3M | $4M |
| Share buybacks (net) | — | -$16,000 | -$1,000 | $0 | -$3M | -$8M | -$2M | -$421,000 | -$6M | -$6M |
| Free cash flow margin | 19.7% | 4.8% | 21.0% | 10.4% | 30.9% | 25.6% | 38.5% | 20.1% | 34.5% | 16.7% |
| Dividends per share | $0.12 | $0.16 | $0.16 | $0.20 | $0.21 | $0.23 | $0.26 | $0.29 | $0.33 | $0.36 |
Questions
What was Citizens Community Bancorp's revenue in 2025?
$62M in fiscal 2025, from its 10-K filing.
How much free cash flow does Citizens Community Bancorp generate?
$10M in fiscal 2025 (operating cash flow minus capital spending).
From Citizens Community Bancorp's annual reports filed with the SEC (XBRL data), standardised by Investingly. Information only, not investment advice.