# Citizens Community Bancorp Inc. (CZWI)

**Exchange:** NASDAQ  
**Sector:** Financial Services  
**Market cap:** $204M  
**Price:** $20.61 (+1.05%)

> Citizens Community Bancorp Inc. is a bank holding company that primarily operates through its subsidiary, Citizens Community Federal National Association. The company is focused on providing a comprehensive range of financial products and services to individuals and small to medium-sized businesses. With a regional footprint primarily in the upper Midwest of the United States, Citizens Community Bancorp plays a crucial role in serving community banking needs. It offers traditional banking products, including savings and checking accounts, mortgages, personal and business loans, and other financial services tailored to local customers. The bank emphasizes personalized customer service and community involvement, positioning itself as a vital partner in the economic development of the areas it serves. Citizens Community Bancorp Inc. is significant in the financial markets as it represents the interconnectedness of regional economies with the broader U.S. banking industry, highlighting the importance of community banking institutions in fostering local growth and financial stability.

## Income Statement (Annual, USD)

| Fiscal Year | Revenue | Gross Profit | Operating Income | Net Income | EPS (dil.) |
| --- | --- | --- | --- | --- | --- |
| 2025 | $88M | — | — | $14M | — |
| 2024 | $90M | — | — | $14M | — |
| 2023 | $84M | — | — | $13M | — |
| 2022 | $69M | — | — | $18M | — |
| 2021 | $64M | — | — | $21M | — |
| 2020 | $65M | — | — | $13M | — |
| 2019 | $60M | — | — | $9M | — |
| 2018 | $39M | — | — | $4M | — |
| 2017 | $28M | — | — | $2M | — |
| 2016 | $25M | — | — | $3M | — |
| 2015 | $23M | — | — | $3M | — |
| 2014 | $24M | — | — | $3M | — |
| 2013 | $25M | — | — | $1M | — |
| 2012 | $27M | — | — | $206,000 | — |
| 2011 | $30M | — | — | $193,000 | — |

## Balance Sheet (Annual, USD)

| Fiscal Year | Total Assets | Total Liabilities | Equity | Cash | Long-term Debt |
| --- | --- | --- | --- | --- | --- |
| 2025 | $1.78B | $1.59B | $188M | $119M | $52M |
| 2024 | $1.75B | $1.57B | $179M | $50M | $67M |
| 2023 | $1.85B | $1.68B | $173M | $37M | — |
| 2022 | $1.82B | $1.65B | $167M | $35M | — |
| 2021 | $1.74B | $1.57B | $171M | $48M | — |
| 2020 | $1.65B | $1.49B | $161M | $119M | — |
| 2019 | $1.53B | $1.38B | $151M | $56M | — |
| 2018 | $975M | $840M | $136M | $34M | $88M |
| 2017 | $941M | $867M | $73M | $42M | $120M |
| 2016 | $696M | $631M | $65M | $10M | $70M |
| 2015 | $580M | $519M | $61M | $24M | — |
| 2014 | $570M | $512M | $58M | $11M | — |
| 2013 | $555M | $500M | $54M | $18M | — |
| 2012 | $530M | $475M | $55M | $23M | — |
| 2011 | $537M | $484M | $53M | $32M | — |

## Cash Flow (Annual, USD)

| Fiscal Year | Operating Cash Flow | CapEx | Free Cash Flow |
| --- | --- | --- | --- |
| 2025 | $12M | $1M | $10M |
| 2024 | $20M | $889,000 | $20M |
| 2023 | $13M | $1M | $12M |
| 2022 | $29M | $4M | $26M |
| 2021 | $22M | $4M | $18M |
| 2020 | $24M | $3M | $21M |
| 2019 | $13M | $7M | $6M |
| 2018 | $11M | $3M | $8M |
| 2017 | $2M | $609,000 | $1M |
| 2016 | $6M | $961,000 | $5M |
| 2015 | $6M | $331,000 | $5M |
| 2014 | $8M | $485,000 | $7M |
| 2013 | $7M | $549,000 | $6M |
| 2012 | $9M | $473,000 | $9M |
| 2011 | $10M | $577,000 | $9M |

Source: [CompaniesByCap](https://companiesbycap.com/company/CZWI)