Citizens Community Bancorp, Inc. (CZWI)

CZWI Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	51.18	46.47	48.35	56.37	53.67
Net Interest Income Growth	10.13%	-3.88%	-14.23%	5.04%	6.79%
Non-Interest Income	11.14	10.11	10.25	10.43	15.82
Non-Interest Income Growth	10.25%	-1.40%	-1.73%	-34.09%	-14.22%
Revenues Before Loan Losses	62.33	56.58	58.6	66.8	69.49
Provision for Credit Losses	1.95	-3.18	-0.48	1.48	-
Revenue	60.38	59.76	59.07	65.32	69.49
Revenue Growth (YoY)	1.04%	1.15%	-9.57%	-6.00%	14.01%
Compensation Expenses	23.88	22.74	21.11	22.13	22.72
Selling, General & Admin	14.43	14.25	13.64	13.67	13.42
Other Non-Interest Expenses	4.63	5.32	5.4	5.95	4.39
Total Non-Interest Expense	42.94	42.31	40.14	41.74	40.53
Pretax Income	17.44	17.45	18.93	23.58	28.96
Provision for Income Taxes	3.02	3.7	5.87	5.82	7.69
Net Income	14.42	13.75	13.06	17.76	21.27
Net Income to Common	14.42	13.75	13.06	17.76	21.27
Net Income Growth	4.87%	5.30%	-26.47%	-16.48%	67.12%
Shares Outstanding (Basic)	10	10	10	11	11
Shares Outstanding (Diluted)	10	10	10	11	11
Shares Change (YoY)	-3.47%	-1.98%	-0.41%	-1.98%	-3.90%
EPS (Basic)	1.46	1.34	1.25	1.69	1.98
EPS (Diluted)	1.46	1.34	1.25	1.69	1.98
EPS Growth	8.96%	7.20%	-26.04%	-14.65%	73.68%
Free Cash Flow	10.38	19.51	11.76	25.69	17.82
Free Cash Flow Growth	-46.79%	65.95%	-54.23%	44.13%	-15.99%
Free Cash Flow Per Share	1.05	1.90	1.12	2.44	1.66
Dividends Per Share	0.360	0.320	0.290	0.260	0.230
Dividend Growth	12.50%	10.35%	11.54%	13.04%	9.52%
Profit Margin	23.88%	23.01%	22.11%	27.19%	30.60%
FCF Margin	17.20%	32.65%	19.90%	39.32%	25.65%
EBITDA	2.61	2.89	3.13	3.81	3.85
EBITDA Margin	4.33%	4.83%	5.29%	5.83%	5.54%
Effective Tax Rate	17.32%	21.20%	31.02%	24.68%	26.57%

Updated Jan 26, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q