Citizens Community Bancorp (CZWI) Cash Flow: Operating & Free Cash Flow

Citizens Community Bancorp (CZWI) Cash Flow Statement

In fiscal 2025 (fiscal year ended Dec 31, 2025), Citizens Community Bancorp generated $11.69M of operating cash flow and spent $1.31M on capital expenditures. That left free cash flow of $10.38M, down 46.8% from $19.51M a year earlier, or 16.7% of revenue. It returned $9.84M to shareholders through $3.60M in dividends and $6.25M in share buybacks.

Citizens Community Bancorp Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for Citizens Community Bancorp, Inc. (CZWI) - 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
Operating Activities
Net Income	14.42	13.75	13.06	17.76	21.27	12.73	9.46	4.28	2.50
Depreciation & Amortization	3.23	2.89	3.74	3.81	4.04	6.63	4.17	2.03	1.12
Deferred Income Tax	-1.06	0.38	0.20	1.16	0.93	-2.53	-0.75	-0.19	1.95
Stock Based Compensation	0.00	0.63	0.00	0.86	0.01	0.01	0.02	0.01	0.03
Change in Working Capital	-2.05	0.94	0.85	-1.54	2.97	8.30	-0.61	3.10	-4.27
Change in Accounts Receivable	-5.29	-1.78	0.05	0.08	1.24	-1.79	4.50	0.68	0.12
Change in Other Working Capital	3.23	2.71	0.79	-1.62	1.73	10.09	-5.11	2.42	-4.39
Other Operating Activities	-2.85	-1.29	-4.73	-1.22	-7.62	-1.36	0.55	1.62	0.59
Net Cash from Operating Activities	11.69	20.40	13.12	29.29	21.60	23.79	12.84	10.86	1.91
Investing Activities
Capital Expenditures	-1.31	-0.89	-1.37	-3.60	-3.78	-2.57	-6.77	-2.96	-0.61
Acquisitions	0.00	0.01	0.00	0.00	0.00	1.13	-8.14	0.00	-18.97
Purchases of Investments	-11.15	-0.45	-12.36	-53.30	-171.29	-72.66	-55.21	-36.93	-34.87
Sales/Maturities of Investments	29.39	21.07	27.12	36.02	82.67	70.56	60.62	10.81	47.65
Other Investing Activities	28.78	0.90	-47.60	-2.26	-70.80	-58.28	-53.83	-20.46	20.59
Net Cash from Investing Activities	45.71	113.74	-34.21	-119.19	-163.20	-61.82	-63.33	-49.46	13.79
Financing Activities
Debt Repayment	-15.01	-36.61	-68.17	-101.62	-12.11	7.18	19.95	-32.70	50.03
Common Stock Issued	0.18	0.02	0.00	0.07	0.00	0.00	3.11	61.27	0.00
Common Stock Repurchased	-6.25	-6.22	-0.55	-1.91	-7.98	-2.85	-0.05	-0.03	-0.04
Dividends Paid	-3.60	-3.35	-3.04	-2.74	-2.51	-2.37	-2.20	-1.18	-0.84
Other Financing Activities	35.95	0.22	94.61	0.40	92.46	99.67	39.76	4.08	-33.22
Net Cash from Financing Activities	11.28	-121.11	22.86	77.57	69.85	101.63	60.56	31.43	15.93
Summary
Net Change in Cash	68.68	13.03	1.78	-12.33	-71.75	63.60	10.06	-7.18	31.63
Cash at Beginning of Period	50.17	37.14	35.36	47.69	119.44	55.84	45.78	41.68	10.05
Cash at End of Period	118.85	50.17	37.14	35.36	47.69	119.44	55.84	34.49	41.68
Free Cash Flow	10.38	19.51	11.76	25.69	17.82	21.21	6.07	7.90	1.30
Supplemental Disclosures
Interest Paid	-	39.56	33.53	12.65	10.58	-	-	-	-
Income Taxes Paid	-	2.32	3.98	4.87	6.83	-	-	-	-

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 Cash Flow

What is Citizens Community Bancorp's free cash flow?

Citizens Community Bancorp generated free cash flow of $10.38M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $11.69M minus $1.31M of capital expenditures. That was down 46.8% from $19.51M a year earlier. Free cash flow equaled 16.7% of revenue.

How much does Citizens Community Bancorp spend on capital expenditures?

Citizens Community Bancorp spent $1.31M on capital expenditures in fiscal 2025, compared with $889.00K a year earlier. That equals 11.2% of operating cash flow.

Does Citizens Community Bancorp pay dividends or buy back shares?

Yes. In fiscal 2025 Citizens Community Bancorp returned $3.60M in dividends and $6.25M in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition