CZWICitizens Community Bancorp, Inc.

$176M

Q1 2018 Earnings

Financial Services Banks - Regional

Income Statement

Revenue

$11M+49.4% YoY

Gross Profit

$9M81.0% margin

Operating Income

$2M16.6% margin

Net Income

$1M12.2% margin

EPS (Diluted)

$0.23

QoQ Revenue Growth

-2.7%

Cash Flow

Operating Cash Flow

$3M

Free Cash Flow

$2M

Stock-Based Comp.

-$5,000

Balance Sheet

Total Assets

$940M

Total Liabilities

$867M

Stockholders' Equity

$74M

Cash & Equivalents

$40M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$11M	$7M	+49.4%
Gross Profit	$9M	$6M	+47.2%
Operating Income	$2M	$1M	+31.2%
Net Income	$1M	$934,000	+43.6%

CZWI Q1 2018 Earnings — Citizens Community Bancorp, Inc. Revenue & Financial Results | Market Cap Arena