CZWI - NASDAQ

Citizens Community Bancorp, Inc.

CZWI·NASDAQ

$20.51

-2.9%

Financial ServicesBanks - Regional

Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal N.A. that provides various traditional community banking services to businesses, agricultural operators, and consumers. The company accepts various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit. It also offers various loan products comprising commercial real estate, commercial and industrial, agricultural real estate, agricultural operating, and consumer loans; and one-to-four family residential mortgages and home equity lines-of-credit. In addition, the company provides a portfolio of investments, such as mortgage-backed, corporate asset-backed, U.S. Government sponsored agency, corporate debt, and trust preferred securities. It operates through a network of 25 full-service branch in Wisconsin and Minnesota. Citizens Community Bancorp, Inc. was founded in 1938 and is based in Eau Claire, Wisconsin.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$197.80M

EPS1.4600

P/E Ratio14.05

Earnings Date07/27/2026

1.78B

Assets

3Y-2.0%

5Y+8.0%

10Y+156.0%

1.59B

Total Liabilities

3Y-3.0%

5Y+7.0%

10Y+152.0%

187.94M

Total Equity

3Y+12.0%

5Y+17.0%

10Y+193.0%

Citizens Community Bancorp, Inc. Funding & Solvency Profile

CZWI · NASDAQ

Current Assets

Cash & Cash Equivalents118.85M

Net Receivables6.13M

Inventory0.00

Other Current Assets0.00

Total Current Assets194 M

Non-Current Assets

Property, Plant & Equipment16.36M

Goodwill & Intangible Assets35.39M

Long-Term Investments1.48B

Other Non-Current Assets58.94M

Total Non-Current Assets2 B

Total Assets

1.78B

Financial Health Analysis

Current Ratio

0.13x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

8.48x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-1330330000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

11% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Citizens Community Bancorp, Inc. Balance Sheet

CZWI • NASDAQ

Citizens Community Bancorp, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Sep 2017	Sep 2016	Sep 2015	Sep 2014	Sep 2013	Sep 2012	Sep 2011	Sep 2010	Sep 2009	Sep 2008	Sep 2007	Sep 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	118.9M	50.2M	37.1M	35.6M	49.2M	123.2M	60.6M	53.2M	49.8M	10.8M	26.9M	11.7M	19.6M	23.3M	41.3M	72.4M	45.6M	24M	6.7M	7.1M
Short-Term Investments	68.8M	72.9M	73.5M	0.0	140K	0.0	180.1M	146.7M	95.9M	80.1M	79.9M	62.2M	79.7M	67.1M	0.0	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	187.6M	123M	110.6M	35.6M	49.3M	123.2M	240.7M	200M	145.7M	90.9M	106.8M	73.9M	99.3M	90.4M	41.3M	72.4M	45.6M	24M	6.7M	7.1M
Net Receivables	6.1M	5.7M	5.4M	5.3M	3.9M	5.7M	4.7M	4.3M	3.3M	2M	1.6M	1.5M	1.5M	1.6M	1.5M	2M	2.2M	1.7M	1.4M	861K
Accounts Receivables	6.1M	5.7M	5.4M	5.3M	3.9M	5.7M	4.7M	4.3M	3.3M	2M	1.6M	1.5M	1.5M	1.6M	1.5M	2M	2.2M	1.7M	1.4M	861K
Total Current Assets	193.8M	128.7M	116M	40.9M	53.3M	128.8M	245.4M	204.3M	149M	92.9M	108.4M	75.3M	100.8M	91.9M	42.8M	74.4M	47.8M	25.8M	8.1M	8M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	16.4M	17.1M	18.4M	20.5M	21.2M	21.2M	21.1M	13.5M	9.6M	5.3M	2.7M	3.7M	4.8M	5.5M	6.7M	7.2M	8M	5.9M	3.5M	3.7M
Goodwill	31.5M	31.5M	31.5M	31.5M	31.5M	31.5M	31.5M	31.5M	10.4M	4.7M	0.0	0.0	0.0	0.0	0.0	0.0	5.6M	5.6M	0.0	0.0
Intangible Assets	3.9M	4.6M	5.6M	6.7M	8.1M	8.7M	11.9M	12M	7.3M	872K	104K	161K	218K	274K	483K	816K	1.1M	1.5M	1.4M	861K
Goodwill & Intangible Assets	35.4M	36.1M	37.1M	38.2M	39.6M	40.2M	43.4M	43.3M	17.8M	5.5M	104K	161K	218K	274K	483K	816K	6.7M	7.1M	7M	7.3M
Long-Term Investments	1.5B	1.5B	1.6B	1.7B	1.6B	1.4B	1.2B	1B	742.1M	580.1M	456.7M	478.2M	438M	422M	471.2M	493.8M	496.8M	430.3M	359.6M	259.6M
Other Non-Current Assets	58.9M	53.7M	56.8M	56.3M	34.2M	32.3M	30.3M	23.7M	22.1M	12M	12.4M	12.4M	10.7M	10.4M	15.4M	18.1M	16M	11M	7.9M	5.5M
Total Non-Current Assets	1.6B	1.6B	1.7B	1.8B	1.7B	1.5B	1.3B	1.1B	791.7M	602.9M	471.8M	494.5M	453.8M	438.2M	493.7M	520M	527.6M	454.3M	378M	276M
Total Assets	1.8B	1.7B	1.9B	1.8B	1.7B	1.6B	1.5B	1.3B	940.7M	696.1M	580.1M	569.8M	554.5M	530.2M	536.6M	594.4M	575.4M	480M	386.1M	284M
LIABILITIES
CURRENT LIABILITIES
Short Term Debt	0.0	5M	79.5M	142.5M	111.5M	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
Other Current Liabilities	1.5B	1.5B	1.5B	1.4B	1.4B	1.3B	1.2B	1B	742.5M	557.7M	456.3M	449.8M	447.4M	422.1M	449M	476.3M	409.3M	297.2M	207.7M	186.7M
Total Current Liabilities	1.5B	1.5B	1.6B	1.6B	1.5B	1.3B	1.2B	1B	742.5M	557.7M	456.3M	449.8M	447.4M	422.1M	449M	476.3M	409.3M	297.2M	207.7M	186.7M
NON-CURRENT LIABILITIES
Long Term Debt	51.8M	61.6M	67.5M	72.4M	58.4M	181.8M	174.5M	134.5M	120.3M	70.3M	58.9M	58.9M	50M	49.3M	30.4M	64.2M	106.8M	110.2M	96.4M	61.2M
Other Non-Current Liabilities	17.9M	14.7M	12M	9.6M	11.3M	11.4M	10.5M	7.8M	4.4M	3.4M	3.5M	3.9M	2.9M	3.8M	4.3M	4M	3.9M	4.1M	3.8M	6M
Total Non-Current Liabilities	69.7M	76.3M	79.4M	82M	69.7M	193.3M	185M	142.2M	124.7M	73.6M	62.4M	62.8M	52.9M	53M	34.7M	68.2M	110.7M	114.3M	100.2M	67.2M
Capital Lease Obligations	0.0	0.0	0.0	0.0	0.0	0.0	2.2M	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
Total Liabilities	1.6B	1.6B	1.7B	1.6B	1.6B	1.5B	1.4B	1.2B	867.2M	632M	519.6M	512.5M	500.3M	475.1M	483.7M	544.5M	520M	411.6M	308M	253.9M
SHAREHOLDERS' EQUITY
Treasury Stock	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	-341K
Common Stock	96K	100K	104K	104K	105K	111K	113K	109K	59K	53K	52K	52K	51K	51K	51K	51K	55K	62K	71K	37K
Additional Paid-In Capital	110.3M	114.6M	119.4M	119.2M	119.9M	126.2M	128.9M	125.5M	63.4M	55M	54.7M	54.3M	54.1M	54M	53.9M	53.8M	56.9M	62.2M	69.9M	18.8M
Retained Earnings	90M	80.8M	71.1M	65.4M	50.7M	32.8M	22.5M	15.3M	10.8M	9.1M	7.2M	4M	2.5M	1.5M	1.3M	1.1M	8.2M	12.6M	12.4M	12.8M
Accumulated Other Comprehensive Income/Loss	-12.5M	-16.4M	-17.3M	-17.7M	161K	1.5M	-471K	-1.8M	-267K	614K	-214K	-842K	-2.3M	-352K	-2.4M	-5.1M	-6.7M	-2.9M	-4.3M	-1.2M
Other Total Stockholders' Equity	0.0	0.0	0.0	0.0	0.0	0.0	-462K	-857K	-456K	-193K	-288K	-223K	-169K	-94K	0.0	0.0	-3.1M	-3.4M	0.0	0.0
Total Stockholders' Equity	187.9M	179.1M	173.3M	167.1M	170.9M	160.6M	150.6M	138.2M	73.5M	64.2M	61.5M	57.3M	54.2M	55.1M	52.9M	49.9M	55.4M	68.5M	78.1M	30.1M
Total Equity	187.9M	179.1M	173.3M	167.1M	170.9M	160.6M	150.6M	138.2M	73.5M	64.2M	61.5M	57.3M	54.2M	55.1M	52.9M	49.9M	55.4M	68.5M	78.1M	30.1M
SUMMARY
Total Liabilities & Equity	1.8B	1.7B	1.9B	1.8B	1.7B	1.6B	1.5B	1.3B	940.7M	696.1M	580.1M	569.8M	554.5M	530.2M	536.6M	594.4M	575.4M	480M	386.1M	284M
Total Investments	1.5B	1.6B	1.7B	1.7B	1.6B	1.4B	1.4B	1.1B	838M	660.2M	536.6M	540.3M	517.7M	489.2M	471.2M	493.8M	496.8M	430.3M	359.6M	259.6M
Total Debt	51.8M	66.6M	147M	214.9M	170M	181.8M	174.5M	134.5M	120.3M	70.3M	58.9M	58.9M	50M	49.3M	30.4M	64.2M	106.8M	110.2M	96.4M	61.2M
Net Debt	-67M	16.4M	109.9M	179.3M	120.8M	58.6M	113.9M	81.2M	70.5M	59.5M	32M	47.2M	30.4M	26M	-10.9M	-8.2M	61.2M	86.2M	89.7M	54.1M
Shares Outstanding	9,870,287	9,870,287	9,870,287	9,870,287	9,870,287	9,870,287	9,870,287	9,870,287	9,870,287	9,870,287	9,870,287	9,870,287	9,870,287	9,870,287	9,870,287	9,870,287	9,870,287	9,870,287	9,870,287	9,870,287

SEC Filings

CZWI - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
10-Q 10-Q 2026 Q1 Q1	May 06, 2026	March 31, 2026	2026	View Filing
DEF 14A DEF 14A 2025 N/A	April 29, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	April 27, 2026	April 27, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 16, 2026	April 14, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 05, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	January 27, 2026	January 27, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 26, 2026	January 26, 2026	2026	View Filing
10-Q 10-Q 2025 Q3 Q3	November 04, 2025	September 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	October 29, 2025	October 29, 2025	2025	View Filing
8-K 8-K 2025 N/A	October 27, 2025	October 27, 2025	2025	View Filing

Showing 1 to 10 of 360 filings

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