Rankings
▼
Calendar
CZWI (Citizens Community Bancorp, Inc.) Stock Financials & Earnings | Market Cap Arena
CZWI
Citizens Community Bancorp, Inc.
Mkt Cap
$179M
Financial Services
·
Banks - Regional
·
🇺🇸 United States
·
NASDAQ
Revenue (TTM)
$90M
Net Income (TTM)
$14M
EPS (TTM)
$1.46
Free Cash Flow (TTM)
$11M
Gross Margin
54.7%
Op. Margin
7.0%
Net Margin
16.0%
FCF Margin
12.4%
P/S Ratio (TTM)
2.0x
P/E Ratio (TTM)
12.4x
YoY Rev Growth
-9.4%
Employees
—
Earnings Reports
▶
Q4 2025
NEW
Browse All Reports
Quarterly
FY
Revenue & Profitability
Revenue
Gross Profit
Operating Income
Quarter
Revenue
Gross Profit
Op. Income
Q1 23
$22M
$15M
$5M
Q2 23
$24M
$14M
$4M
Q3 23
$24M
$15M
$5M
Q4 23
$25M
$15M
$5M
Q1 24
$26M
$16M
$5M
Q2 24
$24M
$15M
$5M
Q3 24
$25M
$15M
$4M
Q4 24
$24M
$14M
$3M
Q1 25
$24M
$14M
$4M
Q2 25
$25M
$15M
$4M
Q3 25
$25M
$16M
$5M
Q4 25
$16M
$4M
-$6M
marketcaparena.com
Valuation
P/S Ratio
P/E Ratio
Quarter
P/S
P/E
Q1 23
2.1x
10.7x
Q2 23
2.0x
11.5x
Q3 23
1.9x
12.7x
Q4 23
1.9x
13.7x
Q1 24
1.8x
13.2x
Q2 24
1.8x
12.8x
Q3 24
1.8x
12.1x
Q4 24
1.8x
13.0x
Q1 25
1.8x
13.9x
Q2 25
1.8x
14.3x
Q3 25
1.8x
13.9x
Q4 25
2.0x
12.4x
marketcaparena.com
Operating Cash Flow
Operating Cash Flow
Free Cash Flow
Quarter
Operating CF
Free CF
Q1 23
$2M
$2M
Q2 23
$3M
$2M
Q3 23
$5M
$5M
Q4 23
$4M
$3M
Q1 24
$9M
$9M
Q2 24
$5M
$5M
Q3 24
$3M
$3M
Q4 24
$3M
$2M
Q1 25
$2M
$2M
Q2 25
-$406K
-$306K
Q3 25
$7M
$6M
Q4 25
$4M
$4M
marketcaparena.com
Capital Expenditures
CapEx
Quarter
CapEx
Q1 23
$313K
Q2 23
$234K
Q3 23
$224K
Q4 23
$596K
Q1 24
$214K
Q2 24
$313K
Q3 24
$122K
Q4 24
$240K
Q1 25
$100K
Q2 25
$100K
Q3 25
$392K
Q4 25
$100K
marketcaparena.com
OpEx vs Revenue Growth (YoY)
Revenue Growth
OpEx Growth
Quarter
Revenue Growth
OpEx Growth
Q1 23
+21.5%
+43.7%
Q2 23
+24.2%
+45.8%
Q3 23
+18.6%
+26.6%
Q4 23
+8.4%
+21.7%
Q1 24
+18.0%
+21.5%
Q2 24
+2.9%
+1.5%
Q3 24
+4.7%
+10.4%
Q4 24
-3.2%
+2.7%
Q1 25
-8.7%
-5.0%
Q2 25
+3.9%
+8.2%
Q3 25
-0.3%
-2.1%
Q4 25
-33.6%
+8.0%
marketcaparena.com
Stock-Based Compensation
SBC ($)
% of Revenue
Quarter
SBC ($)
% of Revenue
Q1 23
$0
0.0%
Q2 23
$0
0.0%
Q3 23
$0
0.0%
Q4 23
$0
0.0%
Q1 24
$158K
0.6%
Q2 24
$0
0.0%
Q3 24
$0
0.0%
Q4 24
$0
0.0%
Q1 25
$68K
0.3%
Q2 25
$34K
0.1%
Q3 25
$33K
0.1%
Q4 25
$0
0.0%
marketcaparena.com
OpEx Breakdown
G&A
S&M
Quarter
G&A
S&M
Q1 23
$6M
$136K
Q2 23
$6M
$151K
Q3 23
$5M
$185K
Q4 23
$5M
$262K
Q1 24
$6M
$164K
Q2 24
$6M
$186K
Q3 24
$6M
$225K
Q4 24
$6M
$218K
Q1 25
$6M
$167K
Q2 25
$6M
$194K
Q3 25
$7M
$201K
Q4 25
$6M
$2M
marketcaparena.com
Revenue Segments
Reportable Segment
Quarter
Reportable Segment
Q1 25
$24M
Q2 25
$25M
Q3 25
$25M
marketcaparena.com
War Chest
Cash & Equivalents
Short-Term Investments
Quarter
Cash
Short-term Investments
Total
Q1 23
$65M
$0
$65M
Q2 23
$43M
$0
$43M
Q3 23
$33M
$0
$33M
Q4 23
$37M
$73M
$111M
Q1 24
$29M
$2M
$31M
Q2 24
$37M
$2M
$39M
Q3 24
$37M
$2M
$39M
Q4 24
$50M
$73M
$123M
Q1 25
$100M
$71M
$171M
Q2 25
$67M
$135M
$202M
Q3 25
$82M
$72M
$154M
Q4 25
$119M
$134M
$253M
marketcaparena.com
Shares Outstanding
Shares Outstanding
Quarter
Shares (Diluted)
QoQ Change
Q1 23
10M
+0.2%
Q2 23
10M
-1.3%
Q3 23
10M
+1.2%
Q4 23
10M
-0.1%
Q1 24
10M
-0.1%
Q2 24
11M
+0.5%
Q3 24
10M
-2.8%
Q4 24
10M
-1.7%
Q1 25
10M
-0.3%
Q2 25
10M
+0.0%
Q3 25
10M
+0.0%
Q4 25
10M
-2.9%
marketcaparena.com
Revenue Per Employee
Revenue / Employee
Year
Revenue/Employee
Employees
FY 14
$237K
116
FY 15
$242K
111
FY 16
$200K
145
FY 17
$174K
186
FY 18
$11K
254
FY 19
$281K
261
FY 20
$353K
234
FY 21
$356K
225
FY 22
$382K
210
FY 23
$441K
214
FY 24
$480K
207
FY 25
$415K
217
marketcaparena.com