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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 Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Income
14.4213.7513.0617.7621.27
Depreciation & Amortization
3.233.423.744.595.49
Other Amortization
0.20.22---
Gain (Loss) on Sale of Assets
-0.02-0.020.06-0.4-0.17
Gain (Loss) on Sale of Investments
-0.30.78-0.52-0.5-1.12
Total Asset Writedown
0.050.31--0.57-1.45
Provision for Credit Losses
1.95-3.18-0.481.48-
Net Decrease (Increase) in Loans Originated / Sold - Operating
-0.76.66-4.088.14-
Accrued Interest Receivable
-5.29-1.780.050.081.24
Change in Other Net Operating Assets
1.971.43-0.12-2.590
Other Operating Activities
-1.060.381.991.160.93
Operating Cash Flow
11.6920.413.1229.2921.6
Operating Cash Flow Growth
-42.68%55.44%-55.19%35.60%-9.19%

Investing Activities

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Capital Expenditures
-1.31-0.89-1.37-3.6-3.78
Sale of Property, Plant and Equipment
-0.010.010.010.04
Investment in Securities
18.3420.3814.86-15.74-86.51
Net Decrease (Increase) in Loans Originated / Sold - Investing
28.5192.32-48.3-101.37-73.64
Other Investing Activities
0.161.920.591.510.68
Investing Cash Flow
45.71113.74-34.21-119.19-163.2

Financing Activities

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Short-Term Debt Issued
---112-
Long-Term Debt Issued
5-2534.190.03
Total Debt Issued
5-25146.190.03
Short-Term Debt Repaid
--44-68--
Long-Term Debt Repaid
-20-36.61-25.17-101.62-12.11
Total Debt Repaid
-20-80.61-93.17-101.62-12.11
Net Debt Issued (Repaid)
-15.01-80.61-68.1744.57-12.08
Issuance of Common Stock
0.180.020.030.070.05
Repurchase of Common Stock
-6.25-6.22-0.55-1.91-7.98
Common Dividends Paid
-3.6-3.35-3.04-2.74-2.51
Net Increase (Decrease) in Deposit Accounts
35.95-30.9594.3637.1992.28
Other Financing Activities
--0.220.40.1
Financing Cash Flow
11.28-121.1122.8677.5769.85

Net Cash Flow

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Cash Flow
68.6813.031.78-12.33-71.75

Free Cash Flow

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Free Cash Flow
10.3819.5111.7625.6917.82
Free Cash Flow Growth
-46.79%65.95%-54.23%44.13%-15.99%
Free Cash Flow Margin
17.20%32.75%19.90%39.32%25.64%
Free Cash Flow Per Share
1.051.901.122.441.66

Additional Metrics

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash Interest Paid
38.6139.5633.5312.6510.58
Cash Income Tax Paid
2.072.323.984.876.83
SEC Filings: 10-K · 10-Q