CZWICitizens Community Bancorp, Inc.

$176M

Q3 2018 Earnings

Financial Services Banks - Regional

Income Statement

Revenue

$12M+33.7% YoY

Gross Profit

$9M76.6% margin

Operating Income

$2M14.9% margin

Net Income

$1M8.9% margin

EPS (Diluted)

$0.10

QoQ Revenue Growth

+10.8%

Cash Flow

Operating Cash Flow

-$9M

Free Cash Flow

-$10M

Stock-Based Comp.

$6,000

Balance Sheet

Total Assets

$975M

Total Liabilities

$840M

Stockholders' Equity

$136M

Cash & Equivalents

$42M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$12M	$9M	+33.7%
Gross Profit	$9M	$7M	+29.4%
Operating Income	$2M	-$665,000	+375.9%
Net Income	$1M	-$458,000	+340.0%

CZWI Q3 2018 Earnings — Citizens Community Bancorp, Inc. Revenue & Financial Results | Market Cap Arena