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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 |
New Strong Sell Stocks for July 31st
CBRE, CZWI and DG have been added to the Zacks Rank #5 (Strong Sell) List on July 31, 2023.
Compared to Estimates, Citizens Community Bancorp, Inc. (CZWI) Q2 Earnings: A Look at Key Metrics
Although the revenue and EPS for Citizens Community Bancorp, Inc. (CZWI) give a sense of how its business performed in the quarter ended June 2023, it might be worth considering how some key metrics compare with Wall Street estimates and...
Citizens Community Bancorp, Inc. (CZWI) Q2 Earnings and Revenues Surpass Estimates
Citizens Community Bancorp, Inc. (CZWI) came out with quarterly earnings of $0.31 per share, beating the Zacks Consensus Estimate of $0.28 per share. This compares to earnings of $0.41 per share a year ago.
Citizens Community Bancorp, Inc. Reports Earnings of $0.31 Per Share in 2Q23; Tangible Book Value Increases, Specific Reserve Declines
EAU CLAIRE, Wis., July 24, 2023 (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 $3.2 million and earnings per diluted share...
Citizens Community Bancorp, Inc. (CZWI) Misses Q1 Earnings and Revenue Estimates
Citizens Community Bancorp, Inc. (CZWI) came out with quarterly earnings of $0.35 per share, missing the Zacks Consensus Estimate of $0.38 per share. This compares to earnings of $0.45 per share a year ago.
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Citizens Community Bancorp, Inc. (CZWI) Q4 Earnings and Revenues Surpass Estimates
Citizens Community Bancorp, Inc. (CZWI) delivered earnings and revenue surprises of 22.50% and 4.52%, respectively, for the quarter ended December 2022. Do the numbers hold clues to what lies ahead for the stock?
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...
Citizens Community Bancorp, Inc. (CZWI) Moves to Strong Buy: Rationale Behind the Upgrade
Citizens Community Bancorp, Inc. (CZWI) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.
Source: https://incomestatements.info
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