InsiderClue
Stocks · Financials · Savings Institution, Federally Chartered

Citizens Community Bancorp Inc.

CZWI Clue Score53
United States Fiscal year ends December CIK 0001367859
$21.10 -1.45% Close, 9 Oct 2026
Alert on the numbers Alert on insider trades
Price $21.10 +52.46% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2017Net income2.5EPS, diluted0.46Fiscal year 2018Net income4.3 +71.4%EPS, diluted0.58Fiscal year 2019Net income9.5 +120.9%EPS, diluted0.85Fiscal year 2020Net income12.7 +34.5%EPS, diluted1.14Fiscal year 2021Net income21.3 +67.1%EPS, diluted1.98Fiscal year 2022Net income17.8 −16.5%EPS, diluted1.69Fiscal year 2023Net income13.1 −26.5%EPS, diluted1.25Fiscal year 2024Net income13.8 +5.3%EPS, diluted1.34Fiscal year 2025Net income14.4 +4.9%EPS, diluted1.46
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income 2.5 4.3 9.5 12.7 21.3 17.8 13.1 13.8 14.4
Growth +71.4% +120.9% +34.5% +67.1% −16.5% −26.5% +5.3% +4.9%
EPS, diluted 0.46 0.58 0.85 1.14 1.98 1.69 1.25 1.34 1.46

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2017Operating cash flow1.9Capital expenditure−0.6Free cash flow1.3Buybacks−0.0Dividends paid−0.8Fiscal year 2018Operating cash flow10.9Capital expenditure−3.0Free cash flow7.9 +505.8%Buybacks−0.0Dividends paid−1.2Fiscal year 2019Operating cash flow12.8Capital expenditure−6.8Free cash flow6.1 −23.2%Buybacks0.0Dividends paid−2.2Fiscal year 2020Operating cash flow23.8Capital expenditure−2.6Free cash flow21.2 +249.7%Buybacks−2.8Dividends paid−2.4Fiscal year 2021Operating cash flow21.6Capital expenditure−3.8Free cash flow17.8 −16.0%Buybacks−8.0Dividends paid−2.5Fiscal year 2022Operating cash flow29.3Capital expenditure−3.6Free cash flow25.7 +44.1%Buybacks−1.8Dividends paid−2.7Fiscal year 2023Operating cash flow13.1Capital expenditure−1.4Free cash flow11.8 −54.2%Buybacks−0.4Dividends paid−3.0Fiscal year 2024Operating cash flow20.4Capital expenditure−0.9Free cash flow19.5 +66.0%Buybacks−6.1Dividends paid−3.3Fiscal year 2025Operating cash flow11.7Capital expenditure−1.3Free cash flow10.4 −46.8%Buybacks−6.1Dividends paid−3.6
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 1.9 10.9 12.8 23.8 21.6 29.3 13.1 20.4 11.7
Capital expenditure −0.6 −3.0 −6.8 −2.6 −3.8 −3.6 −1.4 −0.9 −1.3
Free cash flow 1.3 7.9 6.1 21.2 17.8 25.7 11.8 19.5 10.4
Growth +505.8% −23.2% +249.7% −16.0% +44.1% −54.2% +66.0% −46.8%
Buybacks −0.0 −0.0 0.0 −2.8 −8.0 −1.8 −0.4 −6.1 −6.1
Dividends paid −0.8 −1.2 −2.2 −2.4 −2.5 −2.7 −3.0 −3.3 −3.6

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2017Cash41.7Total debt120.3Net cash (debt)−78.6Shareholders’ equity73.5Debt to equity1.64Fiscal year 2018Cash34.5Total debt87.6Net cash (debt)−53.1Shareholders’ equity135.8Debt to equity0.64Fiscal year 2019Cash55.8Shareholders’ equity150.6Fiscal year 2020Cash119.4Shareholders’ equity160.6Fiscal year 2021Cash47.7Shareholders’ equity170.9Fiscal year 2022Cash35.4Shareholders’ equity167.1Fiscal year 2023Cash37.1Shareholders’ equity173.3Fiscal year 2024Cash50.2Total debt66.6Net cash (debt)−16.4Shareholders’ equity179.1Debt to equity0.37Fiscal year 2025Cash118.9Total debt51.8Net cash (debt)67.0Shareholders’ equity187.9Debt to equity0.28
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 41.7 34.5 55.8 119.4 47.7 35.4 37.1 50.2 118.9
Total debt 120.3 87.6 n/a n/a n/a n/a n/a 66.6 51.8
Net cash (debt) −78.6 −53.1 n/a n/a n/a n/a n/a −16.4 67.0
Shareholders’ equity 73.5 135.8 150.6 160.6 170.9 167.1 173.3 179.1 187.9
Debt to equity 1.64 0.64 n/a n/a n/a n/a n/a 0.37 0.28

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2017 30 Sep 2017 FY2018 30 Sep 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Spending
34.6% 35.2% 22.9% 26.4% 26.6% 24.7% 31.0% 21.2% 17.3%
Returns
3.4% 3.2% 6.3% 7.9% 12.4% 10.6% 7.5% 7.7% 7.7%
0.3% 0.4% 0.6% 0.8% 1.2% 1.0% 0.7% 0.8% 0.8%
Balance and payout
1.64 0.64 n/a n/a n/a n/a n/a 0.37 0.28
92.2% 86.1% 90.2% 90.3% 90.2% 90.8% 90.6% 89.8% 89.5%
33.7% 27.6% 23.2% 18.6% 11.8% 15.4% 23.3% 24.3% 25.0%
65.8% 15.0% 36.2% 24.5% 58.7% 17.5% 29.4% 48.4% 93.0%