CZWI
Citizens Community Bancorp Inc
NASDAQ: CZWI · FINANCIAL SERVICES · BANKS - REGIONAL
$20.75
-0.38% today
Updated 2026-04-30
Market cap
$197.68M
P/E ratio
14.06
P/S ratio
3.27x
EPS (TTM)
$1.46
Dividend yield
1.76%
52W range
$13 – $23
Volume
0.0M
Citizens Community Bancorp Inc (CZWI) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $16.97M | $21.07M | $28.44M | $32.95M | $38.77M | $32.38M | $28.76M | $27.63M | $27.45M | $26.92M | $29.00M | $32.31M | $2.73M | $73.23M | $82.67M | $80.06M | $80.22M | $94.44M | $99.43M | $90.07M |
| Revenue growth (YoY) | — | +24.2% | +35.0% | +15.8% | +17.7% | -16.5% | -11.2% | -3.9% | -0.6% | -1.9% | +7.7% | +11.4% | -91.5% | +2577.4% | +12.9% | -3.2% | +0.2% | +17.7% | +5.3% | -9.4% |
| Cost of revenue | $7.47M | $9.36M | $14.86M | $16.06M | $18.48M | $14.78M | $11.03M | $8.46M | $6.18M | $5.09M | $5.08M | $5.93M | $0.00 | $20.43M | $22.02M | $10.37M | $14.50M | $35.42M | $39.97M | $40.82M |
| Gross profit | $9.50M | $11.71M | $13.58M | $16.89M | $20.29M | $17.60M | $17.73M | $19.17M | $21.26M | $21.82M | $23.92M | $26.39M | $2.73M | $52.79M | $60.65M | $69.69M | $65.72M | $59.01M | $59.46M | $49.25M |
| Gross margin | 56.0% | 55.6% | 47.8% | 51.3% | 52.3% | 54.4% | 61.6% | 69.4% | 77.5% | 81.1% | 82.5% | 81.7% | 100.0% | 72.1% | 73.4% | 87.0% | 81.9% | 62.5% | 59.8% | 54.7% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $4.98M | $6.03M | $6.36M | $7.66M | $9.44M | $10.60M | $10.39M | $10.81M | $11.20M | $10.14M | $11.43M | $12.37M | $20.09M | $22.77M | $22.84M | $23.27M | $22.60M | $21.92M | $23.54M | $24.46M |
| Operating income | $755000.00 | $1.19M | $2.48M | $-5.27M | $-8.05M | $330000.00 | $367000.00 | $1.68M | $2.83M | $4.42M | $3.86M | $3.82M | $6.61M | $12.28M | $17.28M | $28.96M | $23.58M | $18.93M | $17.45M | $6.31M |
| Operating margin | 4.4% | 5.7% | 8.7% | -16.0% | -20.8% | 1.0% | 1.3% | 6.1% | 10.3% | 16.4% | 13.3% | 11.8% | 241.6% | 16.8% | 20.9% | 36.2% | 29.4% | 20.0% | 17.6% | 7.0% |
| EBITDA | $1.50M | $2.01M | $3.41M | $-3.92M | $-6.59M | $1.76M | $1.62M | $2.82M | $4.00M | $5.86M | $5.04M | $4.94M | $8.64M | $16.45M | $23.91M | $33.00M | $27.61M | $22.67M | $20.87M | $8.90M |
| EBITDA margin | 8.8% | 9.5% | 12.0% | -11.9% | -17.0% | 5.4% | 5.6% | 10.2% | 14.6% | 21.8% | 17.4% | 15.3% | 316.0% | 22.5% | 28.9% | 41.2% | 34.4% | 24.0% | 21.0% | 9.9% |
| EBIT | $755000.00 | $1.19M | $2.48M | $-5.27M | $-8.05M | $330000.00 | $367000.00 | $1.68M | $2.83M | $4.42M | $3.86M | $3.82M | $6.61M | $12.28M | $17.28M | $28.96M | $23.58M | $18.93M | $17.45M | $6.31M |
| Interest expense | $7.22M | $8.89M | $14.14M | $14.69M | $11.58M | $8.91M | $6.59M | $5.31M | $4.28M | $4.44M | $5.01M | $5.61M | $8.59M | $16.91M | $14.27M | $10.37M | $13.03M | $35.90M | $43.14M | $39.07M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $446000.00 | $743000.00 | $1.47M | $-3.18M | $-7.09M | $193000.00 | $206000.00 | $1.05M | $1.78M | $2.81M | $2.57M | $2.50M | $4.28M | $9.46M | $12.72M | $21.27M | $17.76M | $13.06M | $13.75M | $14.42M |
| Net income growth (YoY) | — | +66.6% | +98.4% | -315.9% | -122.8% | +102.7% | +6.7% | +408.3% | +70.3% | +57.4% | -8.3% | -2.9% | +71.4% | +120.9% | +34.5% | +67.1% | -16.5% | -26.5% | +5.3% | +4.9% |
| Profit margin | 2.6% | 3.5% | 5.2% | -9.7% | -18.3% | 0.6% | 0.7% | 3.8% | 6.5% | 10.4% | 8.9% | 7.7% | 156.6% | 12.9% | 15.4% | 26.6% | 22.1% | 13.8% | 13.8% | 16.0% |