Citizens Community Bancorp, Inc. (CZWI)
NASDAQ: CZWI · Real-Time Price · USD
17.00
-0.21 (-1.22%)
Nov 28, 2025, 1:00 PM EST - Market closed
CZWI Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2015 - 2019 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2015 - 2019 |
Net Income | 12.85 | 13.75 | 13.06 | 17.76 | 21.27 | 12.73 | Upgrade |
Depreciation & Amortization | 3.32 | 3.42 | 3.74 | 4.59 | 5.49 | 4.87 | Upgrade |
Gain (Loss) on Sale of Assets | -0.01 | -0.02 | 0.06 | -0.4 | -0.17 | -0.33 | Upgrade |
Gain (Loss) on Sale of Investments | 0.19 | 0.78 | -0.52 | -0.5 | -1.12 | 0.03 | Upgrade |
Total Asset Writedown | 0.26 | 0.31 | - | -0.57 | -1.45 | 1.76 | Upgrade |
Provision for Credit Losses | 1.3 | -3.18 | -0.48 | 1.48 | - | 7.75 | Upgrade |
Net Decrease (Increase) in Loans Originated / Sold - Operating | -2.02 | 6.66 | -4.08 | 8.14 | - | - | Upgrade |
Accrued Interest Receivable | 1.3 | -1.78 | 0.05 | 0.08 | 1.24 | -1.79 | Upgrade |
Change in Other Net Operating Assets | -4.11 | 1.43 | -0.12 | -2.59 | 0 | 7.45 | Upgrade |
Other Operating Activities | -0.5 | 0.38 | 1.99 | 1.16 | 0.93 | -2.53 | Upgrade |
Operating Cash Flow | 10.24 | 20.18 | 13.12 | 29.29 | 21.6 | 23.79 | Upgrade |
Operating Cash Flow Growth | -52.87% | 53.73% | -55.19% | 35.60% | -9.19% | 85.30% | Upgrade |
Capital Expenditures | -0.96 | -0.89 | -1.37 | -3.6 | -3.78 | -2.57 | Upgrade |
Sale of Property, Plant and Equipment | - | 0.01 | 0.01 | 0.01 | 0.04 | 0.38 | Upgrade |
Investment in Securities | 17.27 | 20.38 | 14.86 | -15.74 | -86.51 | -1.1 | Upgrade |
Net Decrease (Increase) in Loans Originated / Sold - Investing | 101.42 | 92.32 | -48.3 | -101.37 | -73.64 | -62.49 | Upgrade |
Other Investing Activities | 0.81 | 1.92 | 0.59 | 1.51 | 0.68 | 3.97 | Upgrade |
Investing Cash Flow | 118.55 | 113.74 | -34.21 | -119.19 | -163.2 | -61.82 | Upgrade |
Short-Term Debt Issued | - | - | - | 112 | - | - | Upgrade |
Long-Term Debt Issued | - | - | 25 | 34.19 | 0.03 | 81.2 | Upgrade |
Total Debt Issued | - | - | 25 | 146.19 | 0.03 | 81.2 | Upgrade |
Short-Term Debt Repaid | - | -44 | -68 | - | - | -41 | Upgrade |
Long-Term Debt Repaid | - | -36.61 | -25.17 | -101.62 | -12.11 | -33 | Upgrade |
Total Debt Repaid | -36 | -80.61 | -93.17 | -101.62 | -12.11 | -74 | Upgrade |
Net Debt Issued (Repaid) | -36 | -80.61 | -68.17 | 44.57 | -12.08 | 7.2 | Upgrade |
Issuance of Common Stock | 0.08 | 0.02 | 0.03 | 0.07 | 0.05 | - | Upgrade |
Repurchase of Common Stock | -3.58 | -6.22 | -0.55 | -1.91 | -7.98 | -2.85 | Upgrade |
Common Dividends Paid | -3.6 | -3.35 | -3.04 | -2.74 | -2.51 | -2.37 | Upgrade |
Net Increase (Decrease) in Deposit Accounts | -40.12 | -30.95 | 94.36 | 37.19 | 92.28 | 99.55 | Upgrade |
Other Financing Activities | 0.22 | 0.22 | 0.22 | 0.4 | 0.1 | 0.09 | Upgrade |
Financing Cash Flow | -82.99 | -120.88 | 22.86 | 77.57 | 69.85 | 101.63 | Upgrade |
Net Cash Flow | 45.8 | 13.03 | 1.78 | -12.33 | -71.75 | 63.6 | Upgrade |
Free Cash Flow | 9.28 | 19.29 | 11.76 | 25.69 | 17.82 | 21.21 | Upgrade |
Free Cash Flow Growth | -54.69% | 64.05% | -54.23% | 44.13% | -15.99% | 249.74% | Upgrade |
Free Cash Flow Margin | 15.73% | 32.38% | 19.90% | 39.32% | 25.64% | 34.80% | Upgrade |
Free Cash Flow Per Share | 0.93 | 1.88 | 1.12 | 2.44 | 1.66 | 1.90 | Upgrade |
Cash Interest Paid | 41.05 | 39.56 | 33.53 | 12.65 | 10.58 | 13.93 | Upgrade |
Cash Income Tax Paid | 2.23 | 2.32 | 3.98 | 4.87 | 6.83 | 7.87 | Upgrade |
Updated Oct 27, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.