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Complete financial analysis of Citizens Community Bancorp, Inc. (CZWI) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Citizens Community Bancorp, Inc., a leading company in the Banks – Regional industry within the Financial Services sector.
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Citizens Community Bancorp, Inc. (CZWI)
About Citizens Community Bancorp, Inc.
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.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 58.54M | 67.19M | 69.69M | 68.40M | 56.32M | 2.74M | 26.74M | 23.99M | 22.48M | 23.17M | 22.31M | 21.71M | 25.76M | 23.28M | 18.26M | 14.30M | 12.18M | 9.75M | 9.96M | 8.10M | 1.74M | 1.48M | 1.23M | 1.14M |
| Cost of Revenue | -35.28M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 93.82M | 67.19M | 69.69M | 68.40M | 56.32M | 2.74M | 26.74M | 23.99M | 22.48M | 23.17M | 22.31M | 21.71M | 25.76M | 23.28M | 18.26M | 14.30M | 12.18M | 9.75M | 9.96M | 8.10M | 1.74M | 1.48M | 1.23M | 1.14M |
| Gross Profit Ratio | 160.28% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 21.92M | 22.60M | 23.27M | 25.06M | 22.77M | 6.93M | 12.50M | 11.43M | 10.14M | 11.20M | 10.81M | 10.69M | 9.73M | 8.11M | 7.90M | 5.86M | 6.03M | 4.98M | 4.69M | 3.99M | 3.62M | 0.00 | 0.00 | 0.00 |
| Selling & Marketing | 734.00K | 1.02M | 986.00K | 967.00K | 1.21M | 822.00K | 545.00K | 609.00K | 570.00K | 370.00K | 233.00K | 190.00K | 122.00K | 173.00K | 0.00 | 148.00K | 161.00K | 218.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 34.75M | 23.62M | 24.26M | 26.02M | 23.99M | 26.85M | 13.05M | 12.04M | 10.71M | 11.57M | 11.05M | 10.88M | 9.85M | 8.28M | 7.90M | 6.01M | 6.19M | 5.20M | 4.69M | 3.99M | 3.62M | 0.00 | 0.00 | 0.00 |
| Other Expenses | 35.89M | -14.30M | -64.99M | -77.14M | -68.03M | 3.87M | -30.63M | -27.16M | -24.65M | -27.63M | -26.37M | -461.00K | 1.18M | 7.85M | 7.24M | -3.69M | -8.29M | -6.97M | -8.92M | -7.82M | -1.19M | 3.07M | 4.17M | 3.79M |
| Operating Expenses | 58.54M | 1.02M | -40.73M | -51.12M | -44.04M | 3.87M | -17.59M | -15.13M | -13.94M | -16.07M | -15.32M | 10.42M | 11.03M | 16.13M | 15.14M | 2.32M | -2.10M | -1.77M | -4.23M | -3.83M | 2.43M | 3.07M | 4.17M | 3.79M |
| Cost & Expenses | 34.75M | 1.02M | -40.73M | -51.12M | -44.04M | 3.87M | -17.87M | -15.13M | -13.94M | -16.07M | -15.32M | 10.42M | 11.03M | 16.13M | 15.14M | 2.32M | -2.10M | -1.77M | -4.23M | -3.83M | 2.43M | 3.07M | 4.17M | 3.79M |
| Interest Income | 84.25M | 69.40M | 64.04M | 64.53M | 60.42M | 38.90M | 27.88M | 25.08M | 23.00M | 24.03M | 24.58M | 27.09M | 29.76M | 32.76M | 30.94M | 26.73M | 19.35M | 15.31M | 11.93M | 9.62M | 8.88M | 8.49M | 8.82M | 8.12M |
| Interest Expense | 35.90M | 13.03M | 10.37M | 14.27M | 16.91M | 8.59M | 5.61M | 5.01M | 4.44M | 4.28M | 5.31M | 6.59M | 8.91M | 11.58M | 14.69M | 14.14M | 8.89M | 7.22M | 3.99M | 2.89M | 3.18M | 3.86M | 4.84M | 4.15M |
| Depreciation & Amortization | 3.74M | 3.81M | 3.85M | 3.58M | 3.06M | 2.55M | 1.08M | 1.18M | 57.00K | 57.00K | 56.00K | 1.25M | 1.43M | 1.48M | 1.36M | 533.00K | 816.00K | 740.00K | 451.72K | 280.49K | 271.16K | 0.00 | 0.00 | 0.00 |
| EBITDA | 22.06M | 27.61M | 33.00M | 26.52M | 16.45M | 9.14M | 0.00 | 5.04M | 5.86M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 492.00 | 0.00 | 4.55M | 5.40M | 4.93M |
| EBITDA Ratio | 37.68% | 60.48% | 43.84% | 27.63% | 26.42% | 241.65% | 39.33% | 41.88% | 44.40% | 35.72% | 36.43% | 37.83% | 41.45% | 21.51% | 58.99% | 119.92% | 89.44% | 89.42% | 62.07% | 56.18% | 255.30% | 307.02% | 439.27% | 434.10% |
| Operating Income | 24.33M | 39.19M | 28.96M | 17.28M | 12.28M | 6.61M | 9.43M | 8.87M | 8.54M | 7.11M | 6.99M | 6.96M | 9.24M | 3.53M | 9.42M | 16.62M | 10.08M | 7.98M | 5.73M | 4.27M | 4.17M | 4.55M | 5.40M | 4.93M |
| Operating Income Ratio | 41.56% | 58.32% | 41.55% | 25.26% | 21.80% | 241.65% | 35.28% | 36.95% | 38.00% | 30.66% | 31.34% | 32.06% | 35.89% | 15.17% | 51.57% | 116.20% | 82.74% | 81.83% | 57.53% | 52.71% | 239.69% | 307.02% | 439.27% | 434.10% |
| Total Other Income/Expenses | -5.40M | 0.00 | 0.00 | -7.98M | -8.87M | -5.17M | -3.07M | -2.27M | 0.00 | -2.56M | 0.00 | 0.00 | -10.35M | -8.05M | -5.27M | 0.00 | 0.00 | 0.00 | 0.00 | -3.17M | -3.18M | 2.28M | 3.50M | 3.44M |
| Income Before Tax | 18.93M | 23.58M | 28.96M | 17.28M | 12.28M | 6.61M | 3.82M | 4.74M | 4.10M | 2.83M | 1.68M | 367.00K | 330.00K | -8.05M | -5.27M | 2.48M | 1.19M | 755.00K | 1.74M | 1.38M | 987.60K | 691.00K | 559.00K | 779.00K |
| Income Before Tax Ratio | 32.34% | 35.09% | 41.55% | 25.26% | 21.80% | 241.65% | 14.30% | 19.76% | 18.26% | 12.21% | 7.54% | 1.69% | 1.28% | -34.56% | -28.88% | 17.35% | 9.78% | 7.75% | 17.43% | 17.04% | 56.83% | 46.63% | 45.45% | 68.63% |
| Income Tax Expense | 5.87M | 5.82M | 7.69M | 4.56M | 2.81M | 2.33M | 1.32M | 1.63M | 1.49M | 1.05M | 635.00K | 161.00K | 137.00K | -955.00K | -2.09M | 1.01M | 448.00K | 309.00K | 684.33K | 543.33K | 390.10K | 27.00K | 0.00 | 0.00 |
| Net Income | 13.06M | 17.76M | 21.27M | 12.73M | 9.46M | 4.28M | 2.50M | 3.11M | 2.61M | 1.78M | 1.05M | 206.00K | 193.00K | -7.09M | -3.18M | 1.47M | 743.00K | 446.00K | 1.05M | 836.55K | 597.50K | 664.00K | 559.00K | 779.00K |
| Net Income Ratio | 22.31% | 26.43% | 30.52% | 18.60% | 16.80% | 156.60% | 9.35% | 12.98% | 11.63% | 7.69% | 4.69% | 0.95% | 0.75% | -30.46% | -17.43% | 10.30% | 6.10% | 4.58% | 10.56% | 10.33% | 34.38% | 44.80% | 45.45% | 68.63% |
| EPS | 1.25 | 1.69 | 1.98 | 1.14 | 0.85 | 0.39 | 0.47 | 0.59 | 0.50 | 0.35 | 0.20 | 0.04 | 0.04 | -1.39 | -0.59 | 0.24 | 0.11 | 0.23 | 0.67 | 0.53 | 0.20 | 0.22 | 0.18 | 0.26 |
| EPS Diluted | 1.25 | 1.69 | 1.98 | 1.14 | 0.85 | 0.38 | 0.46 | 0.59 | 0.50 | 0.34 | 0.20 | 0.04 | 0.04 | -1.39 | -0.59 | 0.24 | 0.11 | 0.23 | 0.67 | 0.53 | 0.20 | 0.22 | 0.18 | 0.26 |
| Weighted Avg Shares Out | 10.47M | 10.51M | 10.72M | 11.16M | 11.11M | 10.94M | 5.32M | 5.24M | 5.21M | 5.09M | 5.23M | 5.13M | 5.12M | 5.12M | 5.37M | 6.23M | 6.75M | 1.95M | 1.57M | 1.59M | 3.04M | 3.04M | 3.04M | 3.04M |
| Weighted Avg Shares Out (Dil) | 10.47M | 10.51M | 10.73M | 11.16M | 11.12M | 11.13M | 5.38M | 5.28M | 5.23M | 5.24M | 5.24M | 5.13M | 5.12M | 5.12M | 5.37M | 6.23M | 6.75M | 1.95M | 1.57M | 1.59M | 3.04M | 3.04M | 3.04M | 3.04M |
Are Investors Undervaluing Citizens Community Bancorp (CZWI) Right Now?
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong...
What Makes Citizens Community Bancorp (CZWI) a Good Fit for 'Trend Investing'
Citizens Community Bancorp (CZWI) could be a great choice for investors looking to make a profit from fundamentally strong stocks that are currently on the move. It is one of the several stocks that made it through our "Recent Price...
All You Need to Know About Citizens Community Bancorp (CZWI) Rating Upgrade to Buy
Citizens Community Bancorp (CZWI) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy).
Is Citizens Community Bancorp (CZWI) Stock Undervalued Right Now?
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong...
Citizens Community Bancorp, Inc. (CZWI) Hits Fresh High: Is There Still Room to Run?
Citizens Community Bancorp (CZWI) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues.
Citizens Community Bancorp (CZWI) is on the Move, Here's Why the Trend Could be Sustainable
Citizens Community Bancorp (CZWI) made it through our "Recent Price Strength" screen and could be a great choice for investors looking to make a profit from stocks that are currently on the move.
Citizens Community Bancorp, Inc. (CZWI) Tops Q3 Earnings and Revenue Estimates
Citizens Community Bancorp, Inc. (CZWI) came out with quarterly earnings of $0.32 per share, beating the Zacks Consensus Estimate of $0.27 per share. This compares to earnings of $0.24 per share a year ago.
Citizens Community Bancorp, Inc. Reports Third Quarter 2024 Earnings of $0.32 Per Share; Nine Month 2024 Earnings of $1.07 Per Share
EAU CLAIRE, Wis., Oct. 28, 2024 (GLOBE NEWSWIRE) -- Citizens Community Bancorp, Inc. (the “Company”) (Nasdaq: CZWI), the parent company of Citizens Community Federal N.A. (the “Bank” or “CCFBank”), today reported earnings of $3.3 million and earnings per diluted share...
Recent Price Trend in Citizens Community Bancorp (CZWI) is Your Friend, Here's Why
If you are looking for stocks that are well positioned to maintain their recent uptrend, Citizens Community Bancorp (CZWI) could be a great choice. It is one of the several stocks that passed through our "Recent Price Strength" screen.
Citizens Community Bancorp (CZWI) Is a Great Choice for 'Trend' Investors, Here's Why
If you are looking for stocks that are well positioned to maintain their recent uptrend, Citizens Community Bancorp (CZWI) could be a great choice. It is one of the several stocks that passed through our "Recent Price Strength" screen.
Source: https://incomestatements.info
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