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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 in the United States, Wisconsin, Minnesota and internationally. The company offers various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit. It also provides various loan products, such as 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 maintains a portfolio of investments comprising mortgage-backed, asset-backed, U.S. Government sponsored agency, and corporate debt securities. Citizens Community Bancorp, Inc. was founded in 1938 and is based in Eau Claire, Wisconsin.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $62M | - | $14M | $10M | 7.7% | 10.7% | 4.9% |
| 2024 | $56M | - | $14M | $20M | 7.7% | -3.8% | 5.3% |
| 2023 | $59M | - | $13M | $12M | 7.5% | -12.9% | -26.5% |
| 2022 | $67M | - | $18M | $26M | 10.6% | - | - |
| 2021 | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 67.19 | 58.54 | 56.29 | 62.29 |
| Operating Revenue | - | 67.19 | 58.54 | 56.29 | 62.29 |
| Selling General And Administration | - | 23.62 | 22.65 | 24.33 | 25.55 |
| Interest Income | - | 69.40 | 84.25 | 89.62 | 87.63 |
| Interest Expense | - | 13.03 | 35.90 | 43.14 | 36.45 |
| Net Interest Income | - | 56.37 | 48.35 | 46.47 | 51.18 |
| Pretax Income | - | 23.58 | 18.93 | 17.45 | 17.44 |
| Tax Provision | - | 5.82 | 5.87 | 3.70 | 3.02 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 0.10 | -0.02 | -0.06 | -0.01 |
| Net Income Continuous Operations | - | 17.76 | 13.06 | 13.75 | 14.42 |
| Net Income From Continuing And Discontinued Operation | - | 17.76 | 13.06 | 13.75 | 14.42 |
| Net Income From Continuing Operation Net Minority Interest | - | 17.76 | 13.06 | 13.75 | 14.42 |
| Net Income | - | 17.76 | 13.06 | 13.75 | 14.42 |
| Net Income Common Stockholders | - | 17.76 | 13.06 | 13.75 | 14.42 |
| Net Income Including Noncontrolling Interests | - | 17.76 | 13.06 | 13.75 | 14.42 |
| Normalized Income | - | 17.46 | 13.10 | 13.98 | 14.45 |
| Diluted NI Availto Com Stockholders | - | 17.76 | 13.06 | 13.75 | 14.42 |
| Basic Average Shares | - | 10.51 | 10.45 | 10.26 | 9.88 |
| Diluted Average Shares | - | 10.51 | 10.47 | 10.26 | 9.88 |
| Reconciled Depreciation | - | 4.03 | 3.74 | 3.42 | 3.23 |
| Total Unusual Items | - | 0.40 | -0.06 | -0.29 | -0.03 |
| Total Unusual Items Excluding Goodwill | - | 0.40 | -0.06 | -0.29 | -0.03 |
| Special Income Charges | 0 | - | - | - | - |
| Gain On Sale Of Business | 0 | - | - | - | - |
| Gain On Sale Of Security | - | 0.54 | 0.46 | -0.86 | 0.23 |
| Depreciation Amortization Depletion Income Statement | - | 1.45 | 0.76 | 0.72 | 0.58 |
| Depreciation And Amortization In Income Statement | - | 1.45 | 0.76 | 0.72 | 0.58 |
| General And Administrative Expense | - | 22.60 | 21.92 | 23.54 | 24.65 |
| Other Gand A | 5.56 | - | - | - | - |
| Salaries And Wages | - | 22.13 | 21.11 | 22.74 | 23.88 |
| Insurance And Claims | - | 0.47 | 0.81 | 0.80 | 0.77 |
| Selling And Marketing Expense | - | 1.02 | 0.73 | 0.79 | 0.91 |
| Amortization | - | 1.45 | 0.76 | 0.72 | 0.58 |
| Amortization Of Intangibles Income Statement | - | 1.45 | 0.76 | 0.72 | 0.58 |
| Occupancy And Equipment | - | 5.49 | 5.43 | 5.16 | 4.97 |
| Professional Expense And Contract Services Expense | - | 1.71 | 1.52 | 1.76 | 1.78 |
| Other Non Interest Expense | - | 9.88 | 9.72 | 10.04 | 10.01 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Citizens Community Bancorp, Inc.this co. | CZWI | $198M | 13.74↑ premium | 1.05 | 7.7% | - |
| First Internet Bancorp | INBK | $211M | -6.01 | 0.59 | -9.8% | - |
| First Capital, Inc. | FCAP | $210M | 12.81 | 1.52 | 11.9% | - |
| OP Bancorp | OPBK | $209M | 8.16 | 0.92 | 11.2% | - |
| CPI Card Group Inc. | PMTS |
| - |
| - |
| - |
| - |
| - |
| - |
| $203M |
| 13.59 |
| -11.73 |
| -86.3% |
| 6.22 |
| Consumer Portfolio Services, Inc. | CPSS | $200M | 10.37 | 0.65 | 6.2% | - |
| FinWise Bancorp | FINW | $198M | 12.28 | 1.02 | 8.3% | - |
| BCB Bancorp, Inc. | BCBP | $197M | -15.70 | 0.65 | -4.1% | - |
| CF Bankshares Inc. | CFBK | $187M | 10.68 | 1.02 | 9.5% | - |
| Peer Median | - | 10.53 | 0.78 | 7.3% | 6.22 | |