Citizens Community Bancorp, Inc. (CZWI)

NASDAQ: CZWI · Real-Time Price · USD

20.91

-0.66 (-3.04%)

At close: Aug 7, 2026, 4:00 PM EDT

20.84

-0.07 (-0.33%)

After-hours: Aug 7, 2026, 7:34 PM EDT

CZWI Cash Flow 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	Jun '26 Jun 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
Net Income	12.81	14.42	13.75	13.06	17.76	21.27
Depreciation & Amortization	2.4	2.61	2.89	3.13	3.81	3.85
Provision for Credit Losses	5.93	1.95	-3.18	-0.48	1.48	-
Stock-Based Compensation	0.06	0.15	0.63	0.72	0.86	0.81
Net Change in Loans Held-for-Sale	8.09	-0.7	6.66	-4.08	8.14	1.8
Other Adjustments	-5.33	-4.68	-1.29	-0.08	-1.22	-7.3
Changes in Accrued Interest and Accounts Receivable	-6.67	-5.29	-1.78	0.05	0.08	1.24
Changes in Other Operating Activities	5.1	3.23	2.71	0.79	-1.62	-0.07
Operating Cash Flow	22.38	11.69	20.4	13.12	29.29	21.6
Operating Cash Flow Growth	204.97%	-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	-38.75	28.51	92.32	-48.3	-101.37	-73.64
Net Change in Securities and Investments	4.82	18.43	21.39	14.89	-13.23	-88.62
Capital Expenditures	-3.03	-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	0.05	0.07	0.9	0.31	-2.26	0.56
Investing Cash Flow	-26.22	45.71	113.74	-34.21	-119.19	-163.2
Net Change in Deposits	76	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	0.35	0.18	0.02	0.03	0.07	0.05
Repurchase of Common Stock	-6.16	-6.25	-6.22	-0.55	-1.91	-7.98
Net Common Stock Issued (Repurchased)	-5.82	-6.07	-6.19	-0.52	-1.84	-7.93
Common Dividends Paid	-2.02	-3.6	-3.35	-3.04	-2.74	-2.51
Other Financing Activities	-	-	-	25.22	0.4	0.13
Financing Cash Flow	58.16	11.28	-121.11	22.86	77.57	69.85
Net Cash Flow	54.31	68.68	13.03	1.78	-12.33	-71.75
Free Cash Flow	19.35	10.38	19.51	11.76	25.69	17.82
Free Cash Flow Growth	190.96%	-46.79%	65.95%	-54.23%	44.13%	-15.99%
FCF Margin	33.19%	17.20%	32.65%	19.90%	39.32%	25.64%
Free Cash Flow Per Share	1.99	1.05	1.90	1.12	2.44	1.66

SEC Filings: 10-K · 10-Q