CZWICitizens Community Bancorp, Inc.

$176M

Q3 2021 Earnings

Financial Services Banks - Regional

Income Statement

Revenue

$20M-2.9% YoY

Gross Profit

$17M87.3% margin

Operating Income

$7M34.7% margin

Net Income

$5M25.5% margin

EPS (Diluted)

$0.47

QoQ Revenue Growth

+1.7%

Cash Flow

Operating Cash Flow

$7M

Free Cash Flow

$6M

Stock-Based Comp.

$2,000

Balance Sheet

Total Assets

$1.8B

Total Liabilities

$1.6B

Stockholders' Equity

$166M

Cash & Equivalents

$104M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$20M	$20M	-2.9%
Gross Profit	$17M	$15M	+11.3%
Operating Income	$7M	$5M	+43.6%
Net Income	$5M	$3M	+43.6%

CZWI Q3 2021 Earnings — Citizens Community Bancorp, Inc. Revenue & Financial Results | Market Cap Arena