CZWI - NASDAQ
Citizens Community Bancorp, Inc.
$20.51
-2.9%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.
At a Glance
Live SnapshotCitizens Community Bancorp, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Moderate conversion rate. Some gap between earnings and cash flow may warrant investigation into working capital or non-cash items.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Solid cash generation: Positive free cash flow with reasonable earnings quality provides financial flexibility for growth investments, debt reduction, or shareholder returns.
Citizens Community Bancorp, Inc. Cash Flow Statement
CZWI • NASDAQ
| Citizens Community Bancorp, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Sep 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
14.4M | 13.8M | 13.1M | 17.8M | 21.3M | 12.7M | 9.5M | 4.3M | 2.5M | 2.6M | 2.8M | 1.8M | 1M | 206K | 193K | -7.1M | -3.2M | 1.5M | 743K | 446K | |
0.0 | 3.4M | 3.7M | 4M | 4M | 6.6M | 4.2M | 2M | 1.1M | 1.2M | 1.4M | 1.2M | 1.1M | 1.3M | 1.4M | 1.5M | 1.4M | 932K | 816K | 740K | |
0.0 | 380K | 202K | 1.2M | 930K | -2.5M | -752K | -194K | 2M | 449K | -141K | 943K | 182K | -1.8M | -317K | -1.1M | -631K | -184K | -230K | -338K | |
0.0 | 0.0 | 0.0 | 3K | 8K | 14K | 18K | 12K | 31K | 33K | 59K | 43K | 31K | 21K | 5K | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
-673K | 1.7M | -4.7M | 7.9M | -7.6M | -1.4M | 548K | 1.6M | 585K | 1.2M | 1.7M | 3.5M | 4.6M | 6.9M | 6.1M | 13.9M | 8.2M | 475K | 925K | 272K | |
(2.1M) | (2.3M) | (4M) | (4.9M) | (6.8M) | (7.9M) | (3.8M) | (1.2M) | (1.6M) | (1.5M) | (1.2M) | (86K) | (790K) | (281K) | (15K) | (851K) | (925K) | (1.3M) | (0.0) | (0.0) | |
-2.1M | 936K | 848K | -1.5M | 3M | 8.3M | -609K | 3.1M | -4.3M | 296K | -84K | 322K | -235K | 2.5M | 2.6M | -1.3M | -2M | -329K | -3.5M | 2.6M | |
11.7M | 20.2M | 13.1M | 29.3M | 21.6M | 23.8M | 12.8M | 10.9M | 1.9M | 5.7M | 5.8M | 7.8M | 6.7M | 9.1M | 10M | 5.8M | 3.8M | 2.4M | -1.2M | 3.8M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -889K | -1.4M | -3.6M | -3.8M | -2.6M | -6.8M | -3M | -609K | -961K | -331K | -485K | -549K | -473K | -577K | -306K | -3.1M | -2.6M | -272K | -1.2M | |
(0.0) | (13K) | (0.0) | (0.0) | (0.0) | (1.1M) | -8.1M | (0.0) | -19M | (20.7M) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (17.5M) | (0.0) | (0.0) | |
(0.0) | -450K | -12.4M | -53.3M | -171.3M | -72.7M | -55.2M | -36.9M | -34.9M | -19.7M | -54.2M | -20.5M | -71.5M | -59.1M | -67.6M | (0.0) | -20.3M | -32.8M | -41M | -949K | |
0.0 | 22.2M | 27.1M | 36M | 82.7M | 70.6M | 60.6M | 10.8M | 47.6M | 37.9M | 37.5M | 30.4M | 54.4M | 37.2M | 69.7M | 14.4M | 12.6M | 5.8M | 583K | 1.3M | |
45.7M | 92.8M | -47.6M | -98.3M | -70.8M | -58.3M | -53.8M | -20.5M | 20.6M | 11.3M | 17.4M | -34.4M | -20.7M | 12.9M | 8.9M | -15.1M | -76.1M | -49.2M | -61.5M | -40.2M | |
(45.7M) | (113.7M) | -34.2M | -119.2M | -163.2M | -61.8M | -63.3M | -49.5M | (13.8M) | (49.3M) | (285K) | -25M | -38.4M | -9.5M | (10.4M) | -977K | -86.8M | -61.2M | -102.2M | -41M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-6.1M | -6.2M | -550K | -1.9M | -8M | -2.8M | 3.1M | 61.2M | -38K | -50K | -36K | -22K | -4K | 0.0 | 0.0 | 0.0 | -5.3M | -7.9M | 51.3M | -1K | |
-15M | -80.6M | -68.2M | 44.6M | -12.1M | 7.2M | 19.9M | -32.7M | 50M | 8.4M | 0.0 | 8.9M | 750K | 18.9M | -33.8M | -42.6M | -3.4M | 13.8M | 31.8M | 25M | |
-3.6M | -3.3M | -3M | -2.7M | -2.5M | -2.4M | -2.2M | -1.2M | -842K | -629K | -418K | -207K | -103K | (0.0) | (0.0) | (0.0) | -1.1M | -1.3M | -1.1M | -190K | |
-6.2M | -6.2M | -550K | -1.9M | -8M | -2.8M | -53K | -34K | -38K | -50K | -36K | -22K | -4K | (0.0) | (0.0) | (0.0) | -5.3M | -7.9M | (0.0) | -1K | |
36M | -30.7M | 94.6M | 37.7M | 92.5M | 99.7M | 39.8M | 4.1M | -33.2M | -76.5M | 6.8M | 2.4M | 25.3M | -26.9M | -27.3M | 67M | 112.4M | 71.6M | 21.6M | 9.4M | |
11.3M | -120.9M | 22.9M | 77.6M | 69.9M | 101.6M | 60.6M | 31.4M | 15.9M | -68.8M | 6.4M | 11M | 26M | -8.1M | -61.1M | 24.4M | 102.6M | 76.2M | 103.6M | 34.2M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
68.7M | 13M | 1.8M | -12.3M | -71.7M | 63.6M | 10.1M | -7.2M | 31.6M | -13.8M | 12.4M | -6.2M | -5.7M | -8.5M | -40.7M | 29.2M | 19.5M | 17.3M | 184K | -3.1M | |
50.2M | 37.1M | 35.4M | 47.7M | 119.4M | 55.8M | 45.8M | 41.7M | 10M | 23.9M | 11.4M | 17.6M | 23.3M | 31.8M | 72.4M | 43.2M | 23.7M | 6.4M | 6.2M | 9.3M | |
118.9M | 50.2M | 37.1M | 35.4M | 47.7M | 119.4M | 55.8M | 34.5M | 41.7M | 10M | 23.9M | 11.4M | 17.6M | 23.3M | 31.8M | 72.4M | 43.2M | 23.7M | 6.4M | 6.2M | |
10.4M | 19.3M | 11.8M | 25.7M | 17.8M | 21.2M | 6.1M | 7.9M | 1.3M | 4.7M | 5.4M | 7.4M | 6.2M | 8.6M | 9.4M | 5.5M | 708K | -187K | -1.5M | 2.6M |
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 | |
DEF 14A DEF 14A 2025 N/A | April 29, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | April 27, 2026 | April 27, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 16, 2026 | April 14, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 05, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 27, 2026 | January 27, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 26, 2026 | January 26, 2026 | 2026 | |
10-Q 10-Q 2025 Q3 Q3 | November 04, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 29, 2025 | October 29, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 27, 2025 | October 27, 2025 | 2025 |
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