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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

	Dec '17	Sep '18	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
Piotroski F-Score Full definition →	—	—	—	—	7	7	5	6	7	8
P/E ratio Full definition →	16.69	19.31	17.87	14.38	9.55	6.92	7.01	9.24	12.25	12.21
P/S ratio Full definition →	2.35	2.00	1.93	1.80	1.46	1.85	1.56	1.28	1.68	1.79
P/FCF ratio Full definition →	34.37	10.64	10.64	21.34	5.63	8.26	4.84	10.27	8.55	16.99
P/Operating CF Full definition →	24.89	(9.01)	18.10	21.38	15.76	37.09	14.54	30.60	63.65	45.76
P/B ratio Full definition →	0.92	1.15	0.86	0.90	0.76	0.86	0.74	0.70	0.93	0.94
Price to Tangible BV Full definition →	1.21	1.50	1.26	1.27	1.01	1.12	0.97	0.89	1.17	1.16
EV/Sales Full definition →	3.70	2.52	2.84	2.73	1.47	2.63	2.90	1.73	1.22	0.63
EV/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EV/Operating CF Full definition →	35.88	9.86	11.98	16.06	5.12	9.72	7.90	12.44	5.98	5.35
EV/FCF Full definition →	54.16	13.42	15.69	32.40	5.64	11.75	9.00	13.88	6.24	6.02
Quick Ratio Full definition →	—	0.06	0.05	0.05	0.10	0.04	0.03	0.02	0.03	0.08
Current Ratio Full definition →	—	1.07	1.04	1.04	1.04	0.98	1.01	0.98	0.94	0.95
Net Debt/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Debt/Assets Full definition →	3.19%	6.46%	8.53%	8.55%	7.49%	6.41%	7.85%	4.30%	0.29%	0.00%
Debt/Equity Full definition →	0.41	0.46	0.79	0.87	0.77	0.65	0.85	0.46	0.03	0.00
Asset Turnover Full definition →	0.03	0.05	0.05	0.05	0.05	0.05	0.04	0.05	0.06	0.06
Operating CF/Net income Full definition →	1.57	2.53	2.65	1.36	1.87	1.02	1.65	1.01	1.48	0.81
Capex/Depreciation Full definition →	—	(0.86)	(0.76)	(1.17)	(0.30)	(0.76)	(0.73)	(0.31)	(0.24)	(0.39)
ROE Full definition →	3.41%	4.10%	4.05%	6.55%	8.18%	12.83%	10.51%	7.67%	7.80%	7.86%
ROA Full definition →	0.27%	0.45%	0.49%	0.67%	0.80%	1.26%	1.00%	0.71%	0.76%	0.82%
ROIC Full definition →	0.00%	2.63%	2.71%	3.47%	6.71%	7.76%	5.38%	5.48%	8.14%	15.78%
Return on Tangible Assets Full definition →	24.99%	6.78%	10.99%	14.86%	16.24%	(169.75%)	58.20%	(89.97%)	(21.00%)	(24.08%)
Average Days of Receivables Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	0.00%	65.03%	65.22%	57.84%	56.34%	48.52%	52.05%	40.53%	37.99%	44.22%
Intangible Assets out of Total Assets Full definition →	0.02	0.02	0.03	0.03	0.02	0.02	0.02	0.02	0.02	0.02
Share Based Compensation of Revenue Full definition →	0.00%	0.03%	0.03%	0.02%	0.02%	0.01%	0.00%	0.00%	0.63%	0.15%
Graham Net Nets Full definition →	(1.22)	(0.52)	(0.88)	(1.05)	(1.12)	(1.46)	(1.72)	(1.59)	(0.98)	(0.83)
Graham Number Full definition →	0.00	0.00	13.17	16.10	19.21	26.72	24.59	21.58	22.86	24.97
Earnings Yield Full definition →	5.99%	5.18%	5.60%	6.96%	10.47%	14.45%	14.27%	10.82%	8.16%	8.19%
Free Cash Flow Yield Full definition →	2.91%	9.40%	9.40%	4.69%	17.76%	12.10%	20.66%	9.73%	11.70%	5.89%
Revenue per Share Full definition →	4.99	7.78	5.65	6.78	7.43	7.45	7.60	9.03	9.72	9.98
Operating CF per Share Full definition →	0.73	1.83	1.34	1.15	2.13	2.02	2.79	1.25	1.99	1.18
Capex per Share Full definition →	0.00	(0.48)	(0.32)	(0.58)	(0.20)	(0.35)	(0.34)	(0.13)	(0.08)	(0.13)
Free Cash Flow per Share Full definition →	0.73	1.34	1.02	0.57	1.93	1.67	2.45	1.12	1.91	1.05
Cash per Share Full definition →	0.00	7.01	4.87	5.45	11.04	4.59	3.39	3.55	4.89	12.01
Shareholders Equity per Share Full definition →	13.61	22.85	12.63	13.55	14.38	15.94	15.91	16.56	17.46	18.99
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	13.61	22.85	12.63	13.55	14.38	15.94	15.91	16.56	17.46	18.99
Free Cash Flow Full definition →	3.92	7.97	11.21	6.37	21.59	17.86	25.70	11.77	19.55	10.38
Working Capital Full definition →	—	53.16	36.91	42.57	57.20	(33.70)	10.02	(32.89)	(82.56)	(76.24)
Capital Expenditures Full definition →	(4.11)	(2.88)	(3.47)	(6.47)	(2.19)	(3.74)	(3.59)	(1.35)	(0.85)	(1.31)
Net Current Asset Value Full definition →	(867.00)	(39.87)	(105.31)	(142.42)	(136.07)	(214.92)	(214.56)	(191.85)	(163.85)	(145.96)
EV/EBIT Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capex to Sales Full definition →	0.00	0.06	0.06	0.09	0.03	0.05	0.04	0.01	0.01	0.01
Price to Operating Income Full definition →	0.00	0.00	14.15	11.06	7.03	5.10	5.27	6.39	9.58	10.11
Other line items
Depreciation/Fixed assets Full definition →	0.00	0.33	0.34	0.26	0.34	0.23	0.24	0.24	0.21	0.21
Cash ROIC Full definition →	3.81%	3.32%	3.72%	1.86%	5.30%	5.39%	7.44%	4.06%	8.35%	3.38%
Accounts Receivable Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Accounts Payable Turnover Full definition →	—	0.01	0.01	0.02	0.01	0.01	0.01	0.02	0.03	0.02
Inventory Turnover Full definition →	—	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	—	31,709.89	31,701.89	25,809.06	33,125.59	48,847.44	39,915.78	15,445.24	12,590.67	15,263.57
Days of Inventory on Hand Full definition →	—	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Payables Full definition →	—	744.52	877.02	1,101.61	1,245.48	1,341.40	1,406.13	1,471.91	1,503.62	1,506.12
Average Assets Full definition →	940.83	958.20	1,131.67	1,409.59	1,590.17	1,694.36	1,778.01	1,833.89	1,799.96	1,765.14
Average Common Equity Full definition →	73.24	104.42	137.02	144.37	155.56	165.72	168.98	170.21	176.21	183.51

Fold the line items

Columns are period end dates · fundamentals updated 28 Sep 2026

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