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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% | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total Revenue | 67.19 | 58.54 | 56.29 | 62.29 |
| Pretax Income | 23.58 | 18.93 | 17.45 | 17.44 |
| Tax Provision | 5.82 | 5.87 | 3.70 | 3.02 |
| Net Income | 17.76 | 13.06 | 13.75 | 14.42 |
| Net Income Common Stockholders | 17.76 | 13.06 | 13.75 | 14.42 |
| Interest Expense | 13.03 | 35.90 | 43.14 | 36.45 |
| Interest Income | 69.40 | 84.25 | 89.61 | 87.63 |
| Selling General And Administration | 23.61 | 22.65 | 24.33 | 25.55 |
| Normalized Income | 17.46 | 13.10 | 13.98 | 14.45 |
| Basic EPS | 1.69 | 1.25 | 1.34 | 1.46 |
| Diluted EPS | 1.69 | 1.25 | 1.34 | 1.46 |
| Tax Effect Of Unusual Items | 0.10 | -0.02 | -0.06 | -0.01 |
| Tax Rate For Calcs | 0.25 | 0.31 | 0.21 | 0.17 |
| Total Unusual Items | 0.40 | -0.06 | -0.29 | -0.03 |
| Total Unusual Items Excluding Goodwill | 0.40 | -0.06 | -0.29 | -0.03 |
| Net Income From Continuing Operation Net Minority Interest | 17.76 | 13.06 | 13.75 | 14.42 |
| Reconciled Depreciation | 4.03 | 3.74 | 3.42 | 3.23 |
| Net Interest Income | 56.37 | 48.35 | 46.47 | 51.18 |
| Net Income From Continuing And Discontinued Operation | 17.76 | 13.06 | 13.75 | 14.42 |
| Diluted Average Shares | 10.51 | 10.47 | 10.26 | 9.88 |
| Basic Average Shares | 10.51 | 10.45 | 10.26 | 9.88 |
| Diluted NI Availto Com Stockholders | 17.76 | 13.06 | 13.75 | 14.42 |
| Net Income Including Noncontrolling Interests | 17.76 | 13.06 | 13.75 | 14.42 |
| Net Income Continuous Operations | 17.76 | 13.06 | 13.75 | 14.42 |
| Special Income Charges | 0 | 0 | 0 | 0 |
| Gain On Sale Of Business | 0 | 0 | 0 | 0 |
| Gain On Sale Of Security | 0.54 | 0.46 | -0.86 | 0.23 |
| Depreciation Amortization Depletion Income Statement | 1.45 | 0.76 | 0.71 | 0.58 |
| Depreciation And Amortization In Income Statement | 1.45 | 0.76 | 0.71 | 0.58 |
| Amortization | 1.45 | 0.76 | 0.71 | 0.58 |
| Amortization Of Intangibles Income Statement | 1.45 | 0.76 | 0.71 | 0.58 |
| Selling And Marketing Expense | 1.02 | 0.73 | 0.79 | 0.91 |
| General And Administrative Expense | 22.60 | 21.92 | 23.54 | 24.65 |
| Other Gand A | 0 | 0 | 0 | 0 |
| Insurance And Claims | 0.47 | 0.81 | 0.80 | 0.77 |
| Salaries And Wages | 22.13 | 21.11 | 22.74 | 23.88 |
| Operating Revenue | 67.19 | 58.54 | 56.29 | 62.29 |
| 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 | $201M | 13.61↑ premium | 1.65 | 7.7% | - |
| Open Lending Corporation | LPRO | $209M | - | 2.78 | -5.7% | 18.99 |
| Peoples Bancorp of North Carolina, Inc. | PEBK | $208M | 10.76 | 1.32 | 12.6% | - |
| Eagle Financial Services, Inc. | EFSI | $205M | 9.95 | 1.06 | 4.3% | - |
| Octave Specialty Group, Inc. |
| OSG |
| $199M |
| - |
| 0.28 |
| -24.1% |
| -35.44 |
| Consumer Portfolio Services, Inc. | CPSS | $198M | 11.40 | 0.64 | 6.2% | - |
| First Internet Bancorp | INBK | $197M | - | 0.55 | -9.8% | - |
| CPI Card Group Inc. | PMTS | $194M | 13.55 | -11.20 | -86.3% | 6.60 |
| FB Bancorp, Inc. | FBLA | $193M | 63.86 | 0.74 | 0.4% | - |
| Peer Median | - | 11.40 | 0.69 | -2.6% | 6.60 | |