Citizens Community Bancorp (CZWI) Financial Statements & Analysis

Citizens Community Bancorp (CZWI) Income Statement

Citizens Community Bancorp reported revenue of $62.29M in fiscal 2025 (fiscal year ended Dec 31, 2025), down 37.3% from $99.43M a year earlier. Net income was $14.42M, up 4.9% year over year, a net margin of 23.1%. Gross margin was 79.1% and operating margin 10.1%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $16.12M, up 9.0% from the same quarter a year earlier.

Citizens Community Bancorp Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Citizens Community Bancorp, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Sep 2018	Sep 2017
Revenue & Gross Profit
Revenue	62.29	99.43	58.54	67.19	80.06	82.67	73.23	2.74	32.31
Cost of Revenue	40.82	39.97	35.42	14.50	10.37	22.02	20.44	0.00	5.93
Gross Profit	49.25	59.46	59.01	65.72	69.69	60.65	52.79	2.74	26.39
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	25.55	24.33	22.65	23.62	24.26	23.81	23.99	26.85	12.91
Operating Expenses	42.94	42.01	40.08	42.14	40.73	43.37	40.52	26.85	22.56
Operating Income	6.31	17.45	18.93	23.58	28.96	17.28	12.28	7.29	3.82
Other Income/Expense
Interest Income	87.63	89.62	84.25	69.40	64.04	64.53	60.42	38.90	27.88
Interest Expense	36.45	43.14	35.90	13.03	10.37	14.27	16.91	8.59	5.61
Other Income/Expense	11.13	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	17.44	17.45	18.93	23.58	28.96	17.28	12.28	7.29	3.82
Income Tax Expense	3.02	3.70	5.87	5.82	7.69	4.56	2.81	2.24	1.32
Net Income	14.42	13.75	13.06	17.76	21.27	12.73	9.46	5.04	2.50
Net Income - Continuous Operations	14.42	13.75	13.06	17.76	21.27	12.73	9.46	5.04	2.50
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	8.90	20.87	3.13	3.81	33.00	23.91	16.45	9.14	4.94
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	0.58	3.42	0.76	1.45	4.04	6.63	4.17	2.55	1.12
Earnings Per Share
Basic EPS	1.00	1.00	1.00	2.00	2.00	1.00	1.00	-	-
Diluted EPS	1.00	1.00	1.00	2.00	2.00	1.00	1.00	-	-
Basic Shares Outstanding	9.88	10.20	10.45	10.51	10.72	11.16	11.11	10.94	5.32
Diluted Shares Outstanding	9.88	10.20	10.47	10.51	10.73	11.16	11.12	11.13	5.38

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Citizens Community Bancorp Financial Statements

What was Citizens Community Bancorp's revenue in fiscal 2025?

Citizens Community Bancorp reported revenue of $62.29M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was down 37.3% from $99.43M a year earlier.

Is Citizens Community Bancorp profitable?

Yes. Citizens Community Bancorp earned net income of $14.42M in fiscal 2025, a net margin of 23.1%. In fiscal 2024 it earned $13.75M.

What is Citizens Community Bancorp's operating margin?

Citizens Community Bancorp's operating income was $6.31M on revenue of $62.29M in fiscal 2025, an operating margin of 10.1%, compared with 17.6% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition