Citizens Community Bancorp, Inc. (CZWI) — Financial statements
Income statement, balance sheet, and cash flow for Citizens Community Bancorp, Inc. — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 90↓9.4% | 99↑5.3% | 94↑17.7% | 80↑0.2% | 80 | |
| Cost of Revenue | 41↑2.1% | 40↑12.8% | 35↑144.3% | 15↑39.9% | 10 | |
| Gross Profit | 49↓17.2% | 59↑0.8% | 59↓10.2% | 66↓5.7% | 70 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 24↑3.9% | 24↑7.4% | 22↓3.0% | 23↓2.9% | 23 | |
| Selling & Marketing Expenses | 2↑160.8% | 0.79↑8.0% | 0.73↓27.8% | 1↑3.1% | 0.99 | |
| SG&A Expenses | 27↑9.0% | 24↑7.4% | 23↓4.1% | 24↓2.7% | 24 | |
| Other Expenses | 16↓7.2% | 18↑1.4% | 17↓5.9% | 19↑12.5% | 16 | |
| Operating Expenses | 43↑2.2% | 42↑4.8% | 40↓4.9% | 42↑3.5% | 41 | |
| Total Costs & Expenses | 84↑2.2% | 82↑8.6% | 76↑33.3% | 57↑10.8% | 51 | |
| Operating Results | ||||||
| Operating Income | 6↓63.8% | 17↓7.8% | 19↓19.7% | 24↓18.6% | 29 | |
| Depreciation & Amortization | 3↓24.6% | 3↓8.5% | 4↓7.1% | 4↓0.3% | 4 | |
| EBITDA | 9↓57.4% | 21↓7.9% | 23↓17.9% | 28↓16.3% | 33 | |
| EBIT | 6↓63.8% | 17↓7.8% | 19↓19.7% | 24↓18.6% | 29 | |
| Interest & Other Income | ||||||
| Net Interest Income | 51↑10.1% | 46↓3.9% | 48↓14.2% | 56↑5.0% | 54 | |
| Interest Income | 90↑0.7% | 90↑6.4% | 84↑21.4% | 69↑8.4% | 64 | |
| Interest Expense | 39↓9.4% | 43↑20.2% | 36↑175.6% | 13↑25.7% | 10 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | 11 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 17↓0.1% | 17↓7.8% | 19↓19.7% | 24↓18.6% | 29 | |
| Income Tax Expense | 3↓18.3% | 4↓37.0% | 6↑0.9% | 6↓24.3% | 8 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 14↑4.9% | 14↑5.3% | 13↓26.5% | 18↓16.5% | 21 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 14↑4.9% | 14↑5.3% | 13↓26.5% | 18↓16.5% | 21 | |
| Bottom-Line Net Income | 14↑4.9% | 14↑5.3% | 13↓26.5% | 18↓16.5% | 21 | |
| EPS (Basic) | 1.46↑9.0% | 1.34↑7.2% | 1.25↓26.0% | 1.69↓14.6% | 1.98 | |
| EPS (Diluted) | 1.46↑9.0% | 1.34↑7.2% | 1.25↓26.0% | 1.69↓14.6% | 1.98 | |
| Weighted Average Shares | 10↓4.8% | 10↓2.6% | 10↓0.3% | 11↓2.0% | 11 | |
| Weighted Average Diluted Shares | 10↓4.9% | 10↓2.5% | 10↓0.4% | 11↓2.0% | 11 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.