CZWI
Citizens Community Bancorp Inc.
NASDAQ · Financial Services · Banks - Regional · US
$24.50
+3.07%Income statement
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 88.3M | 90.1M | 99.4M | 94.4M | 80.2M |
| Cost of Revenue | 38.0M | 40.8M | 40.0M | 35.4M | 14.5M |
| Gross Profit | 50.4M | 49.3M | 59.5M | 59.0M | 65.7M |
| Operating Expenses | |||||
| R&D Expense | — | — | — | — | — |
| SG&A Expense | 34.3M | 26.5M | 24.3M | 22.7M | 23.6M |
| General & Admin Expense | 32.6M | 24.5M | 23.5M | 21.9M | 22.6M |
| Selling & Marketing Expense | 1.7M | 2.1M | 793.0K | 734.0K | 1.0M |
| Other Expenses | 12.5M | 16.4M | 17.7M | 17.4M | 18.5M |
| Total Operating Expenses | 46.7M | 42.9M | 42.0M | 40.1M | 42.1M |
| Cost and Expenses | 84.7M | 83.8M | 82.0M | 75.5M | 56.6M |
| Operating Income (EBIT) | 3.6M | 6.3M | 17.4M | 18.9M | 23.6M |
| Non-Operating | |||||
| Interest Income | 91.1M | 90.3M | 89.6M | 84.2M | 69.4M |
| Interest Expense | 37.1M | 39.1M | 43.1M | 35.9M | 13.0M |
| Net Interest Income | 54.1M | 51.2M | 46.5M | 48.3M | 56.4M |
| Other Non-Op Income/Expense | 13.7M | 11.1M | — | — | — |
| Non-Operating Income (excl Interest) | (8.7M) | — | — | — | — |
| EBT (Pre-Tax Income) | 17.4M | 17.4M | 17.4M | 18.9M | 23.6M |
| Income Tax Expense | 2.8M | 3.0M | 3.7M | 5.9M | 5.8M |
| Bottom Line | |||||
| Net Income | 14.5M | 14.4M | 13.8M | 13.1M | 17.8M |
| Earnings from Cont. Ops | 14.5M | 14.4M | 13.8M | 13.1M | 17.8M |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 14.5M | 14.4M | 13.8M | 13.1M | 17.8M |
| Per Share | |||||
| Basic EPS | $1.50 | $1.46 | $1.34 | $1.25 | $1.69 |
| Diluted EPS | $1.50 | $1.46 | $1.34 | $1.25 | $1.69 |
| Revenue Per Share | $8.82 | $9.28 | $9.75 | $9.02 | $7.64 |
| Shares | |||||
| Basic Shares Outstanding | 10.0M | 9.7M | 10.2M | 10.5M | 10.5M |
| Diluted Shares Outstanding | 10.0M | 9.7M | 10.2M | 10.5M | 10.5M |
| Profitability Metrics | |||||
| EBITDA | 14.7M | 9.5M | 20.9M | 22.7M | 27.6M |
| D&A | 2.4M | 3.2M | 3.4M | 3.7M | 4.0M |
| EBIT | 12.3M | 6.3M | 17.4M | 18.9M | 23.6M |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026