Citizens Community Bancorp, Inc. (CZWI)

CZWI Cash Flow 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 Income	14.42	13.75	13.06	17.76	21.27
Depreciation & Amortization	2.61	2.89	3.13	3.81	3.85
Provision for Credit Losses	1.95	-3.18	-0.48	1.48	-
Stock-Based Compensation	0.15	0.63	0.72	0.86	0.81
Net Change in Loans Held-for-Sale	-0.7	6.66	-4.08	8.14	1.8
Other Adjustments	-4.68	-1.29	-0.08	-1.22	-7.3
Changes in Accrued Interest and Accounts Receivable	-5.29	-1.78	0.05	0.08	1.24
Changes in Other Operating Activities	3.23	2.71	0.79	-1.62	-0.07
Operating Cash Flow	11.69	20.4	13.12	29.29	21.6
Operating Cash Flow Growth	-42.68%	55.44%	-55.19%	35.60%	-9.19%
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	-	-	0.25	1.26	2.24
Net Change in Loans Held-for-Investment	28.51	92.32	-48.3	-101.37	-73.64
Net Change in Securities and Investments	18.43	21.39	14.89	-13.23	-88.62
Capital Expenditures	-1.31	-0.89	-1.37	-3.6	-3.78
Sale of Property, Plant & Equipment	-	0.01	0.01	0.01	0.04
Other Investing Activities	0.07	0.9	0.31	-2.26	0.56
Investing Cash Flow	45.71	113.74	-34.21	-119.19	-163.2
Net Change in Deposits	35.95	-30.95	94.36	37.19	92.28
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-	-44	-68	112	-
Long-Term Debt Issued	5	-	-	34.19	-
Long-Term Debt Repaid	-20	-36.61	-25.17	-101.62	-12.11
Net Long-Term Debt Issued (Repaid)	-15.01	-36.61	-25.17	-67.43	-12.11
Issuance of Common Stock	0.18	0.02	0.03	0.07	0.05
Repurchase of Common Stock	-6.25	-6.22	-0.55	-1.91	-7.98
Net Common Stock Issued (Repurchased)	-6.07	-6.19	-0.52	-1.84	-7.93
Common Dividends Paid	-3.6	-3.35	-3.04	-2.74	-2.51
Other Financing Activities	-	-	25.22	0.4	0.13
Financing Cash Flow	11.28	-121.11	22.86	77.57	69.85
Net Cash Flow	68.68	13.03	1.78	-12.33	-71.75
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%
FCF Margin	17.20%	32.65%	19.90%	39.32%	25.65%
Free Cash Flow Per Share	1.05	1.90	1.12	2.44	1.66
Levered Free Cash Flow	-1.34	-19.93	-9.5	-51.01	10.39
Unlevered Free Cash Flow	-0.75	2.94	2.61	-1.34	1.24

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

SEC Filings: 10-K · 10-Q