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 Income 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 | 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 Income on Loans | 77.53 | 77.5 | 79.74 | 73.58 | 61.64 | 58.17 |
Interest Income on Investments | 10.99 | 10.13 | 9.88 | 10.67 | 7.76 | 5.86 |
Total Interest Income | 88.52 | 87.63 | 89.62 | 84.25 | 69.4 | 64.04 |
Interest Paid on Deposits | 31.6 | 33.1 | 37.99 | 25.75 | 6.43 | 5.85 |
Interest Paid on Borrowings | 2.85 | 3.34 | 5.16 | 10.15 | 6.6 | 4.52 |
Total Interest Expense | 34.45 | 36.45 | 43.14 | 35.9 | 13.03 | 10.37 |
Net Interest Income | 54.07 | 51.18 | 46.47 | 48.35 | 56.37 | 53.67 |
Net Interest Income Growth | 8.52% | 10.13% | -3.88% | -14.23% | 5.04% | 6.79% |
Gain (Loss) on Sale of Investments | 0.55 | 0.23 | -0.86 | 0.46 | 0.54 | 1.22 |
Other Non-Interest Income | 6.4 | 6.22 | 6.64 | 6.15 | 6.4 | 7.48 |
Total Non-Interest Income | 11.28 | 11.14 | 9.92 | 10.25 | 10.43 | 15.82 |
Non-Interest Income Growth | 7.84% | 12.29% | -3.19% | -1.73% | -34.09% | -14.22% |
Revenues Before Loan Losses | 65.35 | 62.33 | 56.4 | 58.6 | 66.8 | 69.49 |
Provision for Loan Losses | 5.4 | 1.95 | -3.18 | -0.48 | 1.48 | - |
| 59.95 | 60.38 | 59.57 | 59.07 | 65.32 | 69.49 | |
Revenue Growth | 1.63% | 1.35% | 0.84% | -9.57% | -6.00% | 14.01% |
Salaries and Employee Benefits | 23.75 | 23.73 | 22.11 | 20.38 | 21.27 | 21.92 |
Occupancy Expenses | - | - | - | - | - | 4.72 |
Federal Deposit Insurance | 0.82 | 0.77 | 0.8 | 0.81 | 0.47 | 0.55 |
Amortization of Goodwill & Intangibles | 1.08 | 1.21 | 1.25 | 1.37 | 2.24 | 3.24 |
Selling, General & Administrative | 13.6 | 14.58 | 14.88 | 14.36 | 14.53 | 9.5 |
Other Non-Interest Expense | 3.38 | 2.62 | 2.98 | 3.15 | 4.2 | 2.26 |
Total Non-Interest Expense | 42.58 | 42.94 | 42.31 | 40.14 | 42.31 | 41.98 |
EBT Excluding Unusual Items | 17.37 | 17.44 | 17.27 | 18.93 | 23.02 | 27.51 |
Asset Writedown | - | - | - | - | 0.57 | 1.45 |
Pretax Income | 17.37 | 17.44 | 17.45 | 18.93 | 23.58 | 28.96 |
Income Tax Expense | 2.83 | 3.02 | 3.7 | 5.87 | 5.82 | 7.69 |
Net Income | 14.53 | 14.42 | 13.75 | 13.06 | 17.76 | 21.27 |
Net Income to Common | 14.53 | 14.42 | 13.75 | 13.06 | 17.76 | 21.27 |
Net Income Growth | 13.10% | 4.87% | 5.30% | -26.47% | -16.48% | 67.12% |
Basic Shares Outstanding | 10 | 10 | 10 | 10 | 11 | 11 |
Diluted Shares Outstanding | 10 | 10 | 10 | 10 | 11 | 11 |
Shares Change | -3.32% | -3.47% | -1.98% | -0.42% | -1.99% | -3.90% |
EPS (Basic) | 1.51 | 1.46 | 1.34 | 1.25 | 1.69 | 1.98 |
EPS (Diluted) | 1.50 | 1.46 | 1.34 | 1.25 | 1.69 | 1.98 |
EPS Growth | 16.68% | 8.71% | 7.42% | -26.19% | -14.65% | 73.68% |
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 |
Dividend Per Share | 0.315 | 0.360 | 0.320 | 0.290 | 0.260 | 0.230 |
Dividend Growth | -12.50% | 12.50% | 10.35% | 11.54% | 13.04% | 9.52% |
Effective Tax Rate | 16.31% | 17.32% | 21.20% | 31.02% | 24.68% | 26.57% |