Saturday 17 October 2026 Export CZWI’s income statement to Excel — free account

Citizens Community Bancorp, Inc.

Citizens Community Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $98.8 million, down 0.95% from fiscal 2024. In the quarter to June 2026, revenue fell 2.75%, EPS fell 66.7% and free cash flow grew 1,134.9%, each against the same quarter a year earlier. Insiders bought in the last twelve months.

21.23 0.12 +0.57%

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Market cap: $203.7M
P/E: 16.2×
Fwd P/E: 11.4×
Dividend yield: 1.48%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.12

Total sells 0.10

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	1	4	—	—	2	—	—
Sell	—	—	—	—	—	—	2	—	—	—	—	—

Insider Ownership 16.41%

Capital & Financial Ratios $m

Market Cap 203.71

Revenue 99.00

Net Income 12.81

Free Cash Flow 19.32

Net Debt (121.76)

Current Ratio 0.96

Debt/Equity 0.00

P/E ratio 16.21

Fwd P/E 11.40

P/S ratio 2.07

P/B ratio 1.07

Past 5Y EPS Growth 5.07%

This Y EPS Growth (2.40%)

Next Y EPS Growth 52.28%

Next Y revenue growth (32.67%)

Next 5Y EPS Growth 14.94%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 65.43%

10-year low 10-year high

P/S against its own 10 years 75.93%

10-year low 10-year high

P/B against its own 10 years 88.50%

10-year low 10-year high

Dividends

Payout Ratio 0.24

Annual Dividend Rate 0.32

Annual Dividend Yield 1.48%

	total	individual payouts
2027	Powerpack
2026	0.42	0.11 0.11 0.11
2025	0.36	0.36
2024	0.32	0.32
2023	0.29	0.29
2022	0.26	0.26
2021	0.23	0.23
2020	0.21	0.21
2019	0.20	0.20
2018	0.20	0.20
2017	0.16	0.16
2016	0.12	0.12

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	37	50	119	122
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	1,486	1,406	1,448	1,486

	2023	2024	2025	Q'26
Payables	1,519	1,488	1,524	1,554
ST’ Debt	—	—	—	—
Other	—	—	—	—
	1,519	1,488	1,524	1,554

Compound Annual Growth %

	10y	5y	3y
Sales	11.71%	3.55%	7.36%
Cash Flow	19.85%	(13.24%)	(26.37%)
Earnings	19.16%	2.53%	(6.71%)
Book Value	9.85%	3.20%	4.00%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	25	25	—	—	—
’25	24	25	25	24	99
’24	26	24	25	24	100
’23	22	24	24	25	94
’22	18	19	20	22	80
’21	20	19	20	21	80
’20	21	21	20	21	83

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	4	8	—	—	—
’25	2	0	7	4	12
’24	9	5	4	3	20
’23	2	3	5	4	13
’22	9	8	4	9	29
’21	14	(3)	7	4	22
’20	9	1	6	8	24

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	3	6	—	—	—
’25	2	(1)	6	3	10
’24	9	5	3	2	20
’23	2	2	5	3	12
’22	8	7	3	7	26
’21	13	(4)	6	3	18
’20	9	0	5	7	22

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.39	0.11	—	—	—
’25	0.32	0.33	0.37	0.44	1.46
’24	0.39	0.35	0.32	0.27	1.34
’23	0.35	0.31	0.24	0.35	1.25
’22	0.45	0.41	0.38	0.45	1.69
’21	0.50	0.44	0.47	0.58	1.98
’20	0.23	0.28	0.31	0.32	1.14

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	8.80	12.05	10.50	10.52	5.26	10.42	11.35	7.61	10.14	12.69	Analyst estimates 2026–2028 Powerpack
	High	12.55	14.43	14.25	12.75	12.41	14.81	16.49	13.04	17.04	18.74
People
People	Employees	176	224	282	288	251	248	236	232	232	238
	Revenue/emp, $m	0.00	0.00	0.00	0.26	0.33	0.32	0.34	0.41	0.43	0.42
Income, $m
Income, $m	Revenue	24	27	62	75	83	80	80	94	100	99
	Gross margin, %	0.00	0.00	81.24	77.57	82.80	87.02	83.68	62.01	56.74	63.10
	EBT	4	4	8	12	17	29	24	19	17	17
	EBT margin, %	16.08	14.30	13.63	16.28	20.83	36.26	29.54	20.03	17.50	17.66
	Net income	3	2	6	9	13	21	18	13	14	14
	Depreciation	2	2	5	6	7	5	5	4	4	3
Per share, $
Per share, $	Revenue	4.58	4.99	5.65	6.78	7.43	7.45	7.60	9.03	9.72	9.98
	Earnings	0.49	0.46	0.51	0.85	1.14	1.98	1.69	1.25	1.34	1.46
	Cash flow	1.09	0.73	1.34	1.15	2.13	2.02	2.79	1.25	1.99	1.18
	Capex	0.00	0.00	(0.32)	(0.58)	(0.20)	(0.35)	(0.34)	(0.13)	(0.08)	(0.13)
	Free cash flow	1.09	0.73	1.02	0.57	1.93	1.67	2.45	1.12	1.91	1.05
	Book value	12.40	13.61	12.63	13.55	14.38	15.94	15.91	16.56	17.46	18.99
	Shares, m	5	5	11	11	11	11	11	10	10	10
Valuation, ×
Valuation, ×	P/E	18.95	16.69	17.87	14.38	9.55	6.92	7.01	9.24	12.25	12.21
	P/S	2.48	2.35	1.93	1.80	1.46	1.85	1.56	1.28	1.68	1.79
	P/B	1.06	0.92	0.86	0.90	0.76	0.86	0.74	0.70	0.93	0.94
	EV/Sales	4.40	3.70	2.84	2.73	1.47	2.63	2.90	1.73	1.22	0.63
	EV/FCF	159.78	54.16	15.69	32.40	5.64	11.75	9.00	13.88	6.24	6.02
Cash, $m
Cash, $m	Operating cash flow	6	4	15	13	24	22	29	13	20	12
	Capex	(1)	(4)	(3)	(6)	(2)	(4)	(4)	(1)	(1)	(1)
	Free cash flow	6	4	11	6	22	18	26	12	20	10
Balance, $m
Balance, $m	Working capital	24	40	37	43	57	(34)	10	(33)	(83)	(76)
	Total debt	25	30	110	131	123	112	143	80	5	—
	Net debt	25	30	57	70	0	62	107	42	(45)	(119)
	Shareholders’ equity	65	73	138	151	161	171	167	173	179	188
Returns, %
Returns, %	ROA	0.37	0.27	0.49	0.67	0.80	1.26	1.00	0.71	0.76	0.82
	ROIC	0.00	0.00	2.71	3.47	6.71	7.76	5.38	5.48	8.14	15.78
	ROE	3.97	3.41	4.05	6.55	8.18	12.83	10.51	7.67	7.80	7.86

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 28 Sep 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
OPBK OP Bancorp	$221.8M	7.6×	7.5×	+5.31% (above 0%: growing)	+28.57% (above 0%: growing)	+3.10% (above 0%: growing)	58.66%	0.00%	Compare
MRBK Meridian Bank	$219.6M	9.9×	9.5×	−3.50% (below 0%: shrinking)	−2.00% (below 0%: shrinking)	+88.96% (above 0%: growing)	64.49%	0.00%	Compare
CFBK CF Bankshares Inc.	$217.9M	11.5×	8.1×	−0.68% (below 0%: shrinking)	+18.18% (above 0%: growing)	−35.84% (below 0%: shrinking)	52.15%	0.00%	Compare
OVBC Ohio Valley Banc Corp.	$217.2M	15.3×	11.0×	+11.63% (above 0%: growing)	−30.34% (below 0%: shrinking)	−91.53% (below 0%: shrinking)	69.70%	0.00%	Compare
FCAP First Capital, Inc.	$206.0M	11.1×	— (loss-making)	+11.02% (above 0%: growing)	+26.55% (above 0%: growing)	+2.66% (above 0%: growing)	80.17%	0.00%	Compare
CZWI Citizens Community Bancorp, Inc.	$203.7M	16.2×	11.4×	−2.75% (below 0%: shrinking)	−66.67% (below 0%: shrinking)	+1,134.94% (above 0%: growing)	65.38%	0.00%
RBKB Rhinebeck Bancorp, Inc.	$200.9M	17.9×	—	+2.17% (above 0%: growing)	−5.03% (below 0%: shrinking)	+145.41% (above 0%: growing)	71.31%	0.00%	Compare
CBFV CB Financial Services, Inc.	$194.0M	26.3×	11.5×	+11.11% (above 0%: growing)	+7.59% (above 0%: growing)	+89.91% (above 0%: growing)	70.87%	0.00%	Compare
LARK Landmark Bancorp Inc.	$192.5M	9.5×	5.6×	+2.62% (above 0%: growing)	+21.58% (above 0%: growing)	+828.81% (above 0%: growing)	78.76%	0.00%	Compare
Median of peers	$211.6M	11.3×	8.8×	+3.97%	+12.89%	+46.03%	70.29%	0.00%

All 323 Banks Regional stocks →

Citizens Community Bancorp, Inc. (CZWI) key facts

Concern: Citizens Community Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $98.8 million, down 0.95% from fiscal 2024.
Citizens Community Bancorp, Inc. (CZWI) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, CZWI traded at $21.23, a market capitalization of $203.7 million.
Citizens Community Bancorp, Inc. pays an annual dividend of $0.32 per share, a yield of 1.48%, with a payout ratio of 24.1%.
Return on equity was 7.86% and debt-to-equity 0.00.
Its Piotroski F-score is 8 out of 9 for fiscal 2025.