See more : Henan Senyuan Electric Co., Ltd. (002358.SZ) Income Statement Analysis – Financial Results
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 |
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Citizens Community Bancorp, Inc. (CZWI) delivered earnings and revenue surprises of 11.11% and 5.48%, respectively, for the quarter ended September 2022. Do the numbers hold clues to what lies ahead for the stock?
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Citizens Community Bancorp, Inc. (CZWI) Q2 Earnings and Revenues Top Estimates
Citizens Community Bancorp, Inc. (CZWI) delivered earnings and revenue surprises of 28.13% and 7%, respectively, for the quarter ended June 2022. Do the numbers hold clues to what lies ahead for the stock?
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Citizens Community Bancorp (CZWI) has seen solid earnings estimate revision activity over the past month, and belongs to a strong industry as well.
Source: https://incomestatements.info
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