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. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Acceptable margins but limited operational leverage. Operating expense control is important.
Net Profit Margin
Strong net margins indicate efficient operations and favorable tax/interest management.
Effective Tax Rate
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Profitability Insight
Margin squeeze alert: Healthy gross margins but weak operating margins suggest excessive operating expenses. Cost optimization could unlock significant value.
Citizens Community Bancorp, Inc. Income Statement
CZWI • NASDAQ
| Citizens Community Bancorp, Inc. Income Statement | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | ||||||||||||||||||||
90.1M | 99.4M | 94.4M | 80.2M | 80.1M | 82.7M | 73.2M | 2.7M | 32.3M | 29M | 26.9M | 27.4M | 27.6M | 28.8M | 32.4M | 38.8M | 32.9M | 28.4M | 21.1M | 17M | |
GROSS PROFIT | ||||||||||||||||||||
(40.8M) | (40M) | (35.4M) | (14.5M) | (10.4M) | (22M) | (20.4M) | (0.0) | (5.9M) | (5.1M) | (5.1M) | (6.2M) | (8.5M) | (11M) | (14.8M) | (18.5M) | (16.1M) | (14.9M) | (9.4M) | (7.5M) | |
49.3M | 59.5M | 59M | 65.7M | 69.7M | 60.6M | 52.8M | 2.7M | 26.4M | 23.9M | 21.8M | 21.3M | 19.2M | 17.7M | 17.6M | 20.3M | 16.9M | 13.6M | 11.7M | 9.5M | |
OPERATING INCOME | ||||||||||||||||||||
(42.9M) | (42M) | (40.1M) | (42.1M) | (40.7M) | (43.4M) | (40.5M) | (26.8M) | (22.6M) | (20.1M) | (17.4M) | (18.4M) | (17.5M) | (17.4M) | (17.3M) | (28.3M) | (22.2M) | (11.1M) | (10.5M) | (8.7M) | |
(26.5M) | (24.3M) | (22.7M) | (23.6M) | (24.3M) | (23.8M) | (24M) | (26.8M) | (12.9M) | (12.2M) | (10.8M) | (11.6M) | (11M) | (10.6M) | (10.7M) | (9.6M) | (7.9M) | (6.4M) | (6.2M) | (5.2M) | |
6.3M | 17.5M | 18.9M | 23.6M | 29M | 17.3M | 12.3M | 11.8M | 3.8M | 3.9M | 4.4M | 2.8M | 1.7M | 367K | 330K | -8M | -5.3M | 2.5M | 1.2M | 755K | |
PRE-TAX INCOME | ||||||||||||||||||||
(39.1M) | (43.1M) | (35.9M) | (13M) | (10.4M) | (14.3M) | (16.9M) | (8.6M) | (5.6M) | (5M) | (4.4M) | (4.3M) | (5.3M) | (6.6M) | (8.9M) | (11.6M) | (14.7M) | (14.1M) | (8.9M) | (7.2M) | |
51.2M | 46.5M | 48.3M | 56.4M | 53.7M | 50.3M | 43.5M | 30.3M | 22.3M | 20.1M | 18.6M | 19.8M | 19.3M | 20.5M | 20.9M | 21.2M | 16.3M | 12.6M | 10.5M | 8.1M | |
(16.4M) | (17.7M) | (17.4M) | (18.5M) | (16.5M) | (19.6M) | (16.5M) | (0.0) | (9.7M) | (7.9M) | (6.6M) | (6.9M) | (6.4M) | (6.8M) | (6.6M) | (18.7M) | (14.3M) | (4.7M) | (4.3M) | (3.5M) | |
11.1M | 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 | |
17.4M | 17.5M | 18.9M | 23.6M | 29M | 17.3M | 12.3M | 6.6M | 3.8M | 3.9M | 4.4M | 2.8M | 1.7M | 367K | 330K | -8M | -5.3M | 2.5M | 1.2M | 755K | |
NET INCOME | ||||||||||||||||||||
(3M) | (3.7M) | (5.9M) | (5.8M) | (7.7M) | (4.6M) | (2.8M) | (2.3M) | (1.3M) | (1.3M) | (1.6M) | (1M) | (635K) | (161K) | (137K) | -955K | -2.1M | (1M) | (448K) | (309K) | |
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 |
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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Snapshot
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Statements
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