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CZWI

Citizens Community Bancorp, Inc.

CZWI

Citizens Community Bancorp, Inc. • NASDAQ
$17.25 ▲ 0.23% (+0.04)
Market Cap $172.11 M
52w High $17.48
52w Low $12.69
Dividend Yield 0.36%
P/E 13.37
Volume 5.02K
Outstanding Shares 9.98M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $19.665M ▼ $5.594M ▼ $3.682M ▲ 18.724% ▲ $0.37 ▲ $14.193M ▲
Q2-2025 $25.338M ▲ $10.75M ▲ $3.27M ▲ 12.906% ▼ $0.33 ▲ $5.04M ▲
Q1-2025 $23.692M ▼ $10.459M ▼ $3.197M ▲ 13.494% ▲ $0.32 ▲ $4.819M ▲
Q4-2024 $23.723M ▼ $10.562M ▲ $2.702M ▼ 11.39% ▼ $0.27 ▼ $4.174M ▼
Q3-2024 $25.368M $10.356M $3.286M 12.953% $0.32 $5.057M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $220.07M ▲ $1.727B ▼ $1.54B ▼ $186.815M ▲
Q2-2025 $202.227M ▲ $1.735B ▼ $1.552B ▼ $183.462M ▲
Q1-2025 $171.032M ▲ $1.78B ▲ $1.6B ▲ $180.051M ▲
Q4-2024 $123.045M ▲ $1.749B ▼ $1.569B ▼ $179.084M ▼
Q3-2024 $39.123M $1.799B $1.619B $180.149M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $3.682M ▲ $6.631M ▲ $23.227M ▲ $18.459M ▲ $0 ▲ $6.631M ▲
Q2-2025 $3.27M ▲ $-406K ▼ $12.873M ▼ $-45.212M ▼ $-32.745M ▼ $-306K ▼
Q1-2025 $3.197M ▲ $1.613M ▼ $21.661M ▼ $26.753M ▲ $50.027M ▲ $1.513M ▼
Q4-2024 $2.702M ▼ $2.594M ▼ $60.759M ▲ $-49.813M ▼ $13.54M ▲ $2.354M ▼
Q3-2024 $3.286M $3.455M $8.511M $-12.22M $-254K $3.333M

Revenue by Products

Product Q1-2025Q2-2025Q3-2025
Reportable Segment
Reportable Segment
 $20.00M ▲$30.00M ▲$30.00M ▲

Five-Year Company Overview

Income Statement

Income Statement Earnings over the past several years show a slow but steady rise in revenue, with profitability generally healthy for a community bank but below peak levels seen a few years ago. Margins have held up reasonably well, though net income has eased back from earlier highs, which is common for smaller banks facing changing interest rates and funding costs. Overall, the income statement reflects a stable, relationship‑driven banking model with modest growth rather than rapid expansion, and some pressure on bottom‑line performance in the most recent years.

Balance Sheet

Balance Sheet The balance sheet points to a measured growth path. Total assets have expanded over time, then leveled off more recently, which fits a disciplined approach to lending and acquisitions. Equity has gradually increased, suggesting retained earnings are strengthening the capital base. Debt moved up and then came down again, indicating some use of wholesale funding or borrowings that has since been trimmed back. Cash levels are lower than at the height of pandemic‑era liquidity but look more normalized for a regional community bank. In broad terms, the balance sheet appears conservatively structured, with capital slowly building and leverage kept in check.

Cash Flow

Cash Flow Cash generation from the core business has been consistently positive, if not dramatic. Operating cash flow and free cash flow track closely, reflecting the bank’s low requirements for physical investment and technology spending relative to industrial companies. The pattern suggests that the bank reliably turns its earnings into cash and does not rely heavily on large, lumpy investments. This steady cash profile is typical for a traditional lender focused on spread income and fees rather than capital‑intensive growth.

Competitive Edge

Competitive Edge Citizens Community Bancorp competes as a classic upper‑Midwest community bank rather than a national or technology‑driven player. Its edge comes from deep local roots in Wisconsin and Minnesota, close relationships with customers, and particular strength in agricultural and commercial lending. Being recognized by federal agricultural programs and focusing on niches like campground financing give it specialized know‑how that larger, more generic banks may not match locally. On the other hand, its small size and regional footprint mean it lacks the scale, brand power, and technology budgets of bigger banks, leaving it more exposed to local economic swings and competition from both large banks and digital‑only entrants.

Innovation and R&D

Innovation and R&D Innovation at CZWI is pragmatic rather than revolutionary. The bank offers the standard menu of online and mobile banking, remote deposit, and digital payments, which keeps it competitive in basic customer experience. It does not appear to invest heavily in proprietary technology or cutting‑edge digital products; instead, it adopts widely available platforms and focuses on using them well in a community‑banking context. Future improvements are likely to be incremental—better digital tools, smoother lending processes, and enhanced services for business clients—rather than transformational shifts. The main risk is that if technology investment lags too far behind larger peers, customer expectations could outpace the bank’s offerings over time.

Summary

Overall, Citizens Community Bancorp looks like a steady, community‑oriented regional bank with modest revenue growth, solid but recently softer profitability, and a conservative balance sheet. Its financial profile suggests resilience rather than high growth, supported by consistent cash generation and gradually rising capital. The franchise rests on local relationships and specialized lending in agriculture and related niches, which can be a durable advantage but also ties performance to regional economic health and interest‑rate conditions. The bank’s digital capabilities appear adequate but not distinctive; execution in upgrading technology, integrating acquisitions, and managing credit quality through the cycle will likely be the key drivers of its future performance.

NEWS

October 27, 2025 · 8:30 AM UTC

Citizens Community Bancorp, Inc. Reports Third Quarter 2025 Earnings of $0.37 Per Share; Redeems $15 Million of Subordinated Debt

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