Citizens Community Bancorp, Inc. (CZWI) Income Statement
CZWI 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsCZWI revenue and net income
Where CZWI's revenue goes
2025Each bar shows an amount and its share of revenue. CZWI kept 16.0% of revenue as net income.
CZWI profit margins
CZWI growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | −9.4% | +3.9% | +1.7% | +12.8% |
| Gross profit | −17.2% | −9.2% | −4.1% | +8.5% |
| Operating income | −63.8% | −35.5% | −18.2% | +3.6% |
| Net income | +4.9% | −6.7% | +2.5% | +17.8% |
| EPS (diluted) | +9.0% | −5.9% | +5.6% | +10.9% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
CZWI quarterly EPS vs estimates
Citizens Community Bancorp beat the analyst EPS estimate in 7 of the last 8 quarters. Next report: October 26, 2026 (estimate $0.44).
CZWI income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $90.1M | $99.4M | $94.4M | $80.2M | $80.1M | $82.7M | $73.2M | $2.7M | $32.3M | $29.0M |
| Cost of revenue | $40.8M | $40.0M | $35.4M | $14.5M | $10.4M | $22.0M | $20.4M | $0 | $5.9M | $5.1M |
| Gross profit | $49.2M | $59.5M | $59.0M | $65.7M | $69.7M | $60.6M | $52.8M | $2.7M | $26.4M | $23.9M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $26.5M | $24.3M | $22.7M | $23.6M | $24.3M | $23.8M | $24.0M | $20.1M | $12.9M | $12.1M |
| Total operating expenses | $42.9M | $42.0M | $40.1M | $42.1M | $40.7M | $43.4M | $40.5M | $3.9M | $22.6M | $20.1M |
| Operating income | $6.3M | $17.4M | $18.9M | $23.6M | $29.0M | $17.3M | $12.3M | $6.6M | $3.8M | $3.9M |
| Interest income | $87.6M | $89.6M | $84.2M | $69.4M | $64.0M | $64.5M | $60.4M | $38.9M | $27.9M | $25.1M |
| Interest expense | $39.1M | $43.1M | $35.9M | $13.0M | $10.4M | $14.3M | $16.9M | $8.6M | $5.6M | $5.0M |
| Income before taxes | $17.4M | $17.4M | $18.9M | $23.6M | $29.0M | $17.3M | $12.3M | $6.6M | $3.8M | $3.9M |
| Income taxes | $3.0M | $3.7M | $5.9M | $5.8M | $7.7M | $4.6M | $2.8M | $2.3M | $1.3M | $1.3M |
| Net income | $14.4M | $13.8M | $13.1M | $17.8M | $21.3M | $12.7M | $9.5M | $4.3M | $2.5M | $2.6M |
| EBITDA | $9.5M | $20.9M | $22.7M | $27.6M | $33.0M | $23.9M | $16.4M | $8.6M | $4.9M | $5.0M |
| EPS (diluted) | $1.46 | $1.34 | $1.28 | $1.75 | $2.00 | $1.11 | $0.96 | $0.59 | $0.78 | $0.61 |
| Gross margin | 54.7% | 59.8% | 62.5% | 81.9% | 87.0% | 73.4% | 72.1% | 100.0% | 81.7% | 82.5% |
| Operating margin | 7.0% | 17.6% | 20.0% | 29.4% | 36.2% | 20.9% | 16.8% | 241.6% | 11.8% | 13.3% |
| Net margin | 16.0% | 13.8% | 13.8% | 22.1% | 26.6% | 15.4% | 12.9% | 156.6% | 7.7% | 8.9% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $22.0M | $24.5M | $15.8M | $25.3M | $25.3M | $23.7M | $23.7M | $25.4M | $24.4M | $25.9M | $24.5M | $24.2M |
| Cost of revenue | $8.5M | $9.3M | $11.3M | $9.7M | $10.5M | $9.3M | $9.8M | $10.8M | $9.4M | $10.0M | $9.6M | $9.3M |
| Gross profit | $13.5M | $15.2M | $4.4M | $15.6M | $14.8M | $14.4M | $13.9M | $14.5M | $15.0M | $16.0M | $14.9M | $14.9M |
| Sales, general & admin | $10.5M | $7.6M | $7.4M | $6.7M | $6.4M | $6.0M | $6.2M | $6.2M | $6.1M | $5.9M | $5.6M | $5.7M |
| Total operating expenses | $14.9M | $10.6M | $10.7M | $11.1M | $10.8M | $10.5M | $10.6M | $10.4M | $10.3M | $10.8M | $10.2M | $9.9M |
| Operating income | −$1.4M | $4.6M | −$6.2M | $4.5M | $4.0M | $4.0M | $3.4M | $4.2M | $4.7M | $5.2M | $4.7M | $5.0M |
| Interest income | $22.0M | $21.5M | $21.8M | $22.3M | $22.5M | $21.1M | $22.0M | $22.5M | $22.5M | $22.7M | $22.0M | $21.8M |
| Interest expense | $8.5M | $8.5M | $11.3M | $9.0M | $9.2M | $9.5M | $10.3M | $11.2M | $10.9M | $10.8M | $10.3M | $9.7M |
| Income before taxes | $1.2M | $4.6M | $4.9M | $4.5M | $4.0M | $4.0M | $3.4M | $4.2M | $4.7M | $5.2M | $4.7M | $5.0M |
| Income taxes | $135,000 | $877,000 | $614,000 | $853,000 | $777,000 | $777,000 | $656,000 | $899,000 | $1.0M | $1.1M | $978,000 | $2.5M |
| Net income | $1.1M | $3.8M | $4.3M | $3.7M | $3.3M | $3.2M | $2.7M | $3.3M | $3.7M | $4.1M | $3.7M | $2.5M |
| EBITDA | −$597,000 | $5.4M | −$5.5M | $5.3M | $4.9M | $4.8M | $4.2M | $5.1M | $5.6M | $6.1M | $5.6M | $6.0M |
| EPS (diluted) | $0.11 | $0.39 | $0.44 | $0.37 | $0.33 | $0.32 | $0.27 | $0.32 | $0.36 | $0.39 | $0.38 | $0.24 |
| Gross margin | 61.3% | 62.1% | 28.1% | 61.7% | 58.4% | 60.9% | 58.7% | 57.3% | 61.6% | 61.6% | 60.7% | 61.5% |
| Operating margin | −6.2% | 18.9% | −39.6% | 17.9% | 16.0% | 16.8% | 14.2% | 16.5% | 19.3% | 20.0% | 19.1% | 20.8% |
| Net margin | 5.0% | 15.4% | 27.1% | 14.6% | 12.9% | 13.5% | 11.4% | 13.0% | 15.1% | 15.8% | 15.1% | 10.3% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in CZWI's financial statements (latest annual report filed March 5, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
CZWI financial results
In fiscal year 2025 (ended December 31, 2025), Citizens Community Bancorp reported revenue of $90.1 million, down 9.4% from the year before. It had net income of $14.4 million (up 4.9%), a net profit margin of 16.0%. Diluted earnings per share came to $1.46. Over five years revenue grew at an average rate of 1.7% a year.
See the CZWI stock overview for the latest quote and news, or the CZWI chart for price history and technical indicators.
CZWI income statement FAQ
What is Citizens Community Bancorp's annual revenue?
Citizens Community Bancorp reported total revenue of $90.1 million for fiscal year 2025, which ended on December 31, 2025. That was down 9.4% from $99.4 million the previous year.
Is Citizens Community Bancorp profitable?
Yes. Citizens Community Bancorp reported net income of $14.4 million in fiscal 2025, a net profit margin of 16.0%; its operating margin was 7.0%.
What is Citizens Community Bancorp's gross margin?
Citizens Community Bancorp's gross margin was 54.7% in fiscal 2025: for every $100 of revenue, Citizens Community Bancorp kept $55 after the direct cost of its products and services.
How fast is Citizens Community Bancorp growing?
Revenue grew 1.7% a year on average over the last five fiscal years, from $82.7 million to $90.1 million.
What are Citizens Community Bancorp's earnings per share?
Citizens Community Bancorp earned $1.46 per diluted share in fiscal 2025, compared with $1.34 a year earlier.
When will Citizens Community Bancorp report its next earnings?
Citizens Community Bancorp is expected to report results for the quarter ending September 30, 2026 on October 26, 2026 before the market opens.
When does Citizens Community Bancorp's fiscal year end?
Citizens Community Bancorp's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 5, 2026.