CZWI Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	52.6	51.18	46.47	48.35	56.37	53.67
Net Interest Income Growth	13.94%	10.13%	-3.88%	-14.23%	5.04%	6.79%
Non-Interest Income	11.65	11.14	10.11	10.25	10.43	15.82
Non-Interest Income Growth	23.45%	10.25%	-1.40%	-1.73%	-34.09%	-14.22%
Revenues Before Loan Losses	64.25	62.33	56.58	58.6	66.8	69.49
Provision for Credit Losses	2.95	1.95	-3.18	-0.48	1.48	-
Revenue	61.3	60.38	59.76	59.07	65.32	69.49
Revenue Growth (YoY)	5.28%	1.04%	1.15%	-9.57%	-6.00%	14.01%
Compensation Expenses	24.34	23.88	22.74	21.11	22.13	22.72
Selling, General & Admin	14.28	14.43	14.25	13.64	13.67	13.42
Other Non-Interest Expenses	4.58	4.63	5.32	5.4	5.95	4.39
Total Non-Interest Expense	43.2	42.94	42.31	40.14	41.74	40.53
Pretax Income	18.1	17.44	17.45	18.93	23.58	28.96
Provision for Income Taxes	3.12	3.02	3.7	5.87	5.82	7.69
Net Income	14.98	14.42	13.75	13.06	17.76	21.27
Net Income to Common	14.98	14.42	13.75	13.06	17.76	21.27
Net Income Growth	16.47%	4.87%	5.30%	-26.47%	-16.48%	67.12%
Shares Outstanding (Basic)	10	10	10	10	11	11
Shares Outstanding (Diluted)	10	10	10	10	11	11
Shares Change (YoY)	-3.30%	-3.47%	-1.98%	-0.41%	-1.98%	-3.90%
EPS (Basic)	1.53	1.46	1.34	1.25	1.69	1.98
EPS (Diluted)	1.53	1.46	1.34	1.25	1.69	1.98
EPS Growth	21.43%	8.96%	7.20%	-26.04%	-14.65%	73.68%
Shares Outstanding	9.63	9.62	9.98	10.47	10.48	10.5
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	0.105	0.360	0.320	0.290	0.260	0.230
Dividend Growth	-70.83%	12.50%	10.35%	11.54%	13.04%	9.52%
Profit Margin	24.43%	23.88%	23.01%	22.11%	27.19%	30.60%
FCF Margin	-	17.20%	32.65%	19.90%	39.32%	25.64%
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	17.24%	17.32%	21.20%	31.02%	24.68%	26.57%

Updated Apr 27, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q