Citizens Community Bancorp Inc.
CZWI Nasdaq· Savings Institution, Federally Chartered
Last close · Oct 26, 2026
$22.69
KIRA · Stoqly’s AI analyst, in plain words
- Citizens Community Bancorp Inc. had $62.3M of revenue in fiscal 2025, up 10.2% on the year before. Over five years, revenue changed −1.9% a year on average.
- Citizens Community Bancorp Inc. made $14.4M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 12.9% a year.
- Citizens Community Bancorp Inc. returned $9.7M to shareholders in fiscal 2025, 93% of free cash flow. The diluted share count fell 3.5%.
- It earned 7.9% on shareholders’ money. Running costs took 68.9% of revenue (the efficiency ratio; lower is better).
Market cap
$219M
P/E
17.3x
Revenue
$62.3M
Net income
$14.4M
Return on equity
7.9%
Efficiency ratio
68.9%
Citizens Community Bancorp Inc. in 30 seconds · fiscal 2025
Are sales growing?
+10.2%
Yes. Sales grew 10.2% last year.
Does it make a profit?
23.1%
Yes. It keeps 23.1% of every sale as profit.
How lean are its costs?
68.9%
Costly. Running costs take 68.9% of revenue.
How much does it earn on its capital?
7.9%
Low. It earns 7.9% a year on shareholders’ money.
How is the share priced?
17.3x
One share costs 17.3 times its yearly profit per share.
What Citizens Community Bancorp Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 5, 2026
- Legal name
- Citizens Community Bancorp Inc.
- CIK
- 0001367859
Citizens Community Bancorp Inc. · CZWI
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $69.5M | $66.8M | $58.6M | $56.6M | $62.3M |
| Revenue growth | 1.1% | −3.9% | −12.3% | −3.4% | 10.2% |
| Net interest income | $53.7M | $56.4M | $48.3M | $46.5M | $51.2M |
| Net income | $21.3M | $17.8M | $13.1M | $13.8M | $14.4M |
| Net margin | 30.6% | 26.6% | 22.3% | 24.3% | 23.1% |
| Diluted EPS | $1.98 | $1.69 | $1.25 | $1.34 | $1.46 |
| Cash | |||||
| Cash from operations | $21.6M | $29.3M | $13.1M | $20.4M | $11.7M |
| Capital expenditure | $3.8M | $3.6M | $1.4M | $0.9M | $1.3M |
| Free cash flow | $17.8M | $25.7M | $11.8M | $19.5M | $10.4M |
| FCF margin | 25.6% | 38.5% | 20.1% | 34.5% | 16.7% |
| Dividends paid | $2.5M | $2.7M | $3.0M | $3.3M | $3.6M |
| Share buybacks | $8.0M | $1.8M | $0.4M | $6.1M | $6.1M |
| Share count change | −4.5% | 98,161.7% | −0.4% | −2.0% | −3.5% |
| Debt and strength | |||||
| Cash and short-term investments | $47.7M | $35.4M | $37.1M | $50.2M | $119M |
| Debt incl. finance leases | — | — | — | $66.6M | $51.8M |
| Loans, net | — | $1.4B | $1.4B | $1.3B | $1.3B |
| Deposits | $1.4B | $1.4B | $1.5B | $1.5B | $1.5B |
| Shareholders' equity | $171M | $167M | $173M | $179M | $188M |
| Returns and quality | |||||
| Return on equity | 12.8% | 10.5% | 7.7% | 7.8% | 7.9% |
| Return on tangible equity | 15.7% | 13.3% | 9.3% | 9.4% | 9.2% |
| Efficiency ratio | 58.3% | 62.5% | 68.5% | 74.8% | 68.9% |
| Piotroski F-score | — | — | — | — | 6 |
Insiders bought, 12 months
$0.1M
5 insiders
Insiders sold, 12 months
$0.1M
1 insider
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Citizens Community Bancorp Inc. · CZWI
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $22.69 a share, the company is worth $219M: 17.3 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001367859). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.