CZWI (Citizens Community Bancorp, Inc.) Stock Financials & Earnings | Market Cap Arena

CZWI (Citizens Community Bancorp, Inc.) Stock Financials & Earnings | Market Cap Arena

CZWICitizens 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 Margin54.7%

Op. Margin7.0%

Net Margin16.0%

FCF Margin12.4%

P/S Ratio (TTM)2.0x

P/E Ratio (TTM)12.4x

YoY Rev Growth-9.4%

Employees—

Earnings Reports

Revenue & Profitability

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

Valuation

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

Operating 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

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

OpEx vs Revenue Growth (YoY)

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%

Stock-Based Compensation

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%

OpEx Breakdown

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

Revenue Segments

Quarter	Reportable Segment
Q1 25	$24M
Q2 25	$25M
Q3 25	$25M

War Chest

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

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%

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