Citizens Community Bancorp, Inc. (CZWI)
NASDAQ: CZWI · Real-Time Price · USD
23.67
-0.09 (-0.38%)
At close: Oct 29, 2026, 4:00 PM EDT
23.62
-0.05 (-0.21%)
After-hours: Oct 29, 2026, 4:00 PM EDT
CZWI Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Cash & Equivalents | 95.44 | 118.85 | 50.17 | 37.14 | 35.36 | 47.69 |
Investment Securities | 91.57 | 81.37 | 79.67 | 86.15 | 93.37 | 103.34 |
Mortgage-Backed Securities | 134.12 | 146.49 | 153.39 | 164.11 | 174.39 | 173.71 |
Total Investments | 225.69 | 227.86 | 233.06 | 250.26 | 267.76 | 277.05 |
Gross Loans | 1,392 | 1,343 | 1,372 | 1,465 | 1,416 | 1,317 |
Allowance for Loan Losses | -26.14 | -22.4 | -20.55 | -22.91 | -17.94 | -16.91 |
Other Adjustments to Gross Loans | -2.7 | -2.64 | -3.4 | -4.11 | -4.35 | -6.08 |
Net Loans | 1,363 | 1,318 | 1,348 | 1,438 | 1,394 | 1,294 |
Property, Plant & Equipment | 17.34 | 17.12 | 17.89 | 19.85 | 22.19 | 23.33 |
Goodwill | 31.5 | 31.5 | 31.5 | 31.5 | 31.5 | 31.5 |
Other Intangible Assets | 0.06 | 0.4 | 0.98 | 1.69 | 2.45 | 3.9 |
Loans Held for Sale | 1.56 | 4.95 | 1.33 | 5.77 | - | 6.67 |
Accrued Interest Receivable | 6.44 | 6.13 | 5.65 | 5.41 | 5.29 | 3.92 |
Other Real Estate Owned & Foreclosed | 1.09 | 0.86 | 0.92 | 1.8 | 1.27 | 1.41 |
Other Long-Term Assets | 53.81 | 52.45 | 54.73 | 52.79 | 49.07 | 42.24 |
Total Assets | 1,796 | 1,782 | 1,749 | 1,851 | 1,816 | 1,740 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Interest Bearing Deposits | 1,265 | 1,203 | 1,167 | 1,150 | 1,073 | 1,089 |
Institutional Deposits | - | 57.14 | 68.98 | 103.8 | 66.83 | 22.38 |
Non-Interest Bearing Deposits | 271.69 | 264.39 | 252.66 | 265.7 | 284.72 | 276.63 |
Total Deposits | 1,537 | 1,524 | 1,488 | 1,519 | 1,425 | 1,388 |
Current Portion of Long-Term Debt | - | - | 5 | 64.53 | 117 | 11 |
Current Portion of Leases | - | 0.52 | - | - | - | - |
Long-Term Debt | 51.93 | 51.8 | 61.61 | 67.47 | 72.41 | 58.43 |
Federal Home Loan Bank Debt, Long-Term | - | - | - | 15 | 25.53 | 100.53 |
Long-Term Leases | - | 0.43 | 1.08 | 1.69 | 1.95 | 2.23 |
Other Long-Term Liabilities | 16.3 | 16.96 | 13.61 | 10.28 | 7.69 | 9.05 |
Total Liabilities | 1,605 | 1,594 | 1,569 | 1,678 | 1,649 | 1,569 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Common Stock | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.11 |
Additional Paid-In Capital | 109.67 | 110.32 | 114.56 | 119.44 | 119.24 | 119.93 |
Retained Earnings | 96.46 | 90 | 80.84 | 71.12 | 65.4 | 50.68 |
Comprehensive Income & Other | -15.49 | -12.47 | -16.42 | -17.33 | -17.66 | 0.16 |
Shareholders' Equity | 190.74 | 187.94 | 179.08 | 173.33 | 167.09 | 170.87 |
Total Liabilities & Equity | 1,796 | 1,782 | 1,749 | 1,851 | 1,816 | 1,740 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Total Debt | 51.93 | 52.75 | 67.68 | 148.68 | 216.88 | 172.18 |
Net Cash (Debt) | 43.52 | 66.1 | -17.51 | -111.54 | -181.27 | -122.98 |
Net Cash Growth | 24.66% | - | - | - | - | - |
Net Cash Per Share | 4.51 | 6.67 | -1.71 | -10.65 | -17.24 | -11.46 |
Filing Date Shares Outstanding | 9.58 | 9.63 | 9.99 | 10.46 | 10.48 | 10.54 |
Total Common Shares Outstanding | 9.58 | 9.62 | 9.98 | 10.44 | 10.43 | 10.5 |
Book Value Per Share | 19.91 | 19.54 | 17.94 | 16.60 | 16.03 | 16.27 |
Tangible Book Value | 159.19 | 156.05 | 146.61 | 140.14 | 133.14 | 135.47 |
Tangible Book Value Per Share | 16.62 | 16.23 | 14.69 | 13.42 | 12.77 | 12.90 |