Citizens Community Bancorp Inc. CZWI

Financials SIC 6035 - Savings Institution, Federally Chartered NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Savings Institutions and Other Depository Credit Intermediation derived Nasdaq

Citizens Community Bancorp, Inc. (the "Company") is a Maryland corporation organized in 2004. The Company is a bank holding company and is subject to regulation by the Office of the Comptroller of the Currency ("OCC") and by the Federal Reserve Bank. Our primary activities consist of holding the stock of our wholly-owned subsidiary bank, Citizens Community Federal N.A. (the "Bank"), and providing commercial, agricultural and consumer banking activities through the Bank. At December 31, 2025, we had approximately $1.782 billion in total assets, $1.524 billion in deposits, and $187.9 million in equity.

Citizens Community Federal N.A.

The Bank is a federally chartered National Bank serving customers in Wisconsin and Minnesota through 21 full-service branch locations. Its primary markets include the Chippewa Valley Region in Wisconsin, the Twin Cities and Mankato markets in Minnesota, and various rural communities around these areas. The Bank offers traditional community banking services to businesses, Agricultural operators and consumers, including one-to-four family residential mortgages.

Last close 21.42 2026-10-23
Market cap $206.7M 2026-06-30 share count
52-week range 15.50 - 24.43

Valuation FY2025 figures against the last close

P/S2.4x
P/E14.7x
P/FCF19.9x
EV/EBITDA—
Dividend yield1.7%
Diluted EPS1.46

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $87.6M$89.6M$84.2M$69.4M$64.0M$64.5M$60.4M$38.9M$27.9M$25.1M
Interest expense $51.2M$46.5M$48.3M$13.0M$10.4M$14.3M$16.9M$8.6M$5.6M$5.0M
Pre-tax income $17.4M$17.4M$18.9M$23.6M$29.0M$17.3M$12.3M$6.6M$3.8M$3.9M
Income tax $3.0M$3.7M$5.9M$5.8M$7.7M$4.6M$2.8M$2.3M$1.3M$1.3M
Net income $14.4M$13.8M$13.1M$17.8M$21.3M$12.7M$9.5M$4.3M$2.5M$2.6M
EPS, basic 1.461.341.251.691.981.140.850.720.470.49
EPS, diluted 1.461.341.251.691.981.140.850.580.460.49
Shares, diluted (wtd. avg.) 9.9M10.3M10.5M10.5M10,72711,16211.1M7.3M5.4M5.2M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $118.9M$50.2M$37.1M$35.4M$47.7M$119.4M$55.8M$45.8M$41.7M$10.0M
Property, plant and equipment $16.4M$17.1M$18.4M$20.5M$21.2M$21.2M$21.1M$10.0M$9.6M$5.3M
Goodwill $31.5M$31.5M$31.5M$31.5M$31.5M$31.5M$31.5M$31.5M$10.4M$4.7M
Other intangibles $395.0K$979.0K$1.7M$2.4M$3.9M$5.5M$7.6M$4.8M$5.4M$872.0K
Total assets $1.78B$1.75B$1.85B$1.82B$1.74B$1.65B$1.53B$1.29B$940.7M$695.9M
Long-term debt $51.8M$66.6M—————$87.6M$120.3M$70.3M
Total liabilities $1.59B$1.57B$1.68B$1.65B$1.57B$1.49B$1.38B$1.15B$867.2M$631.3M
Retained earnings $90.0M$80.8M$71.1M$65.4M$50.7M$32.8M$22.5M$15.3M$10.8M$9.1M
Total equity $187.9M$179.1M$173.3M$167.1M$170.9M$160.6M$150.6M$138.2M$73.5M$64.5M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $11.7M$20.4M$13.1M$29.3M$21.6M$23.8M$12.8M$10.9M$1.9M$5.7M
Depreciation and amortisation $2.0M$2.2M$2.4M$2.4M$2.3M$2.0M$1.6M$1.1M$864.0K$1.1M
Stock-based compensation $146.0K$631.0K——————$31.0K$33.0K
Capital expenditure $1.3M$889.0K$1.4M$3.6M$3.8M$2.6M$6.8M$3.0M$609.0K$961.0K
Investing cash flow $45.7M$113.7M-$34.2M-$119.2M-$163.2M-$61.8M-$63.3M-$49.5M$13.8M$49.3M
Financing cash flow $11.3M-$121.1M$22.9M$77.6M$69.9M$101.6M$60.6M$31.4M$15.9M-$68.8M
Dividends paid $3.6M$3.3M$3.0M$2.7M$2.5M$2.4M$2.2M$1.2M$842.0K$629.0K
Buybacks $6.1M$6.1M$421.0K$1.8M$8.0M$2.8M$0$1.0K$16.0K—

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001367859-26-000028.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 25M 50M 75M 100M Revenue, FY2016: 25.1M Net income, FY2016: 2.6M Revenue, FY2017: 27.9M Net income, FY2017: 2.5M Revenue, FY2018: 38.9M Net income, FY2018: 4.3M Revenue, FY2019: 60.4M Net income, FY2019: 9.5M Revenue, FY2020: 64.5M Net income, FY2020: 12.7M Revenue, FY2021: 64M Net income, FY2021: 21.3M Revenue, FY2022: 69.4M Net income, FY2022: 17.8M Revenue, FY2023: 84.2M Net income, FY2023: 13.1M Revenue, FY2024: 89.6M Net income, FY2024: 13.8M Revenue, FY2025: 87.6M Net income, FY2025: 14.4M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $25.1M $27.9M $38.9M $60.4M $64.5M $64.0M $69.4M $84.2M $89.6M $87.6M
Gross profit — — — — — — — — — —
Net income $2.6M $2.5M $4.3M $9.5M $12.7M $21.3M $17.8M $13.1M $13.8M $14.4M

Recent filings and events

  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Other event Item 8.01
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Other event Item 8.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced Item 2.02
  • Other event Item 8.01
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Results announced Item 2.02
  • Other event Item 8.01

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

Others in SIC 6035

TickerCompanyMarket capP/ERevenue growth
AX Axos Financial, Inc. $5.21B 10.8x 23.5%
EBC Eastern Bankshares, Inc. $5.12B 52.1x 19.1%
TFSL TFS Financial CORP $4.66B 51.9x 4.0%
BKU BankUnited, Inc. $3.10B 12.3x 7.4%
PFS PROVIDENT FINANCIAL SERVICES INC $3.03B 10.4x 7.1%
CFFN Capitol Federal Financial, Inc. $1.06B 16.2x 6.5%
HTB HomeTrust Bancshares, Inc. $802.9M 12.9x -2.1%
KRNY Kearny Financial Corp. $603.8M 16.3x -0.1%