Income Statement

CITIZENS COMMUNITY BANCORP INC.

CZWI
Annual
Performance Overview Click any row in the table to add it to this chart
in millions USD
Metric Dec 31, 2025 2025 FY Dec 31, 2024 2024 FY Dec 31, 2023 2023 FY Dec 31, 2022 2022 FY Dec 31, 2021 2021 FY Dec 31, 2020 2020 FY Dec 31, 2019 2019 FY Sep 30, 2018 2018 FY Sep 30, 2017 2017 FY Sep 30, 2016 2016 FY Sep 30, 2015 2015 FY Sep 30, 2014 2014 FY Sep 30, 2013 2013 FY Sep 30, 2012 2012 FY Sep 30, 2011 2011 FY
Revenue
98.77 99.72 94.50 79.83 79.86 82.98 75.40 46.27 32.63 29.00 26.92 27.45 27.63 27.09 31.89
Cost of Revenue
38.40 39.97 36.96 14.89 10.37 22.02 20.44 8.59 5.93 5.01 5.09 6.19 8.46 11.03 14.78
Gross Profit
60.38 59.76 57.54 64.93 69.49 60.95 54.96 37.67 26.70 23.99 21.82 21.26 19.17 16.05 17.11
Operating Expenses
42.94 42.31 40.14 41.74 40.53 43.67 42.69 29.76 22.88 20.06 17.72 18.43 17.49 17.36 16.78
Research & Development
- - - - - - - - - - - - - - -
Selling, General & Administrative
23.88 22.74 21.11 22.13 22.72 22.32 20.33 14.98 10.86 9.87 8.64 9.29 9.07 8.50 8.35
Other Operating Expenses
19.06 19.57 19.04 19.62 17.81 21.35 22.36 14.79 12.02 10.19 9.08 9.15 8.42 8.86 8.44
Operating Income
17.44 17.45 17.40 23.19 28.96 17.28 12.28 7.91 3.82 3.93 4.10 2.83 1.68 -1.31 0.33
Non-Operating Income
0.00 0.00 -1.54 -0.39 0.00 0.00 0.00 1.30 -6.71 0.08 0.00 0.00 0.00 -1.67 0.00
Interest Income
87.63 89.62 84.25 69.40 64.04 64.53 60.42 38.90 27.88 25.08 23.00 24.03 24.58 27.09 29.76
Interest Expense
36.45 43.14 35.90 13.03 10.37 14.27 16.91 8.59 5.61 5.01 4.44 4.28 5.31 6.59 8.91
Other Non-Op Income / Expense
-12.73 -1.22 4.81 15.24 11.40 4.48 4.82 6.52 -8.63 -0.57 2.70 1.89 1.11 0.40 -
Income Before Tax
17.44 17.45 18.93 23.58 28.96 17.28 12.28 6.61 11.13 3.86 4.10 2.83 1.68 0.37 0.33
Income Tax Expense
3.02 3.70 5.87 5.82 7.69 4.56 2.81 2.33 8.03 1.29 1.49 1.05 0.64 0.16 0.14
Non-Controlling Interest
- - - - - - - - - - - - - - -
Net Income
14.42 13.75 13.06 17.76 21.27 12.73 9.46 4.28 2.50 2.57 2.61 1.78 1.05 0.21 0.19
Supplemental Per share data, derived & other items — not part of the income statement
in millions USD unless noted
Metric Dec 31, 2025 2025 FY Dec 31, 2024 2024 FY Dec 31, 2023 2023 FY Dec 31, 2022 2022 FY Dec 31, 2021 2021 FY Dec 31, 2020 2020 FY Dec 31, 2019 2019 FY Sep 30, 2018 2018 FY Sep 30, 2017 2017 FY Sep 30, 2016 2016 FY Sep 30, 2015 2015 FY Sep 30, 2014 2014 FY Sep 30, 2013 2013 FY Sep 30, 2012 2012 FY Sep 30, 2011 2011 FY
Depreciation & Amortization
- - - - - - - - - - - - - - -
EBITDA
17.44 17.45 17.40 23.19 28.96 17.28 12.28 7.91 3.82 3.93 4.10 2.83 1.68 -1.31 0.33
Earnings Per Share (Basic)
1.46 1.34 1.25 1.69 1.98 1.14 0.85 0.72 0.47 0.49 0.50 0.35 0.20 0.04 0.04
Diluted EPS
1.46 1.34 1.25 1.69 1.98 1.14 0.85 0.58 0.46 0.49 0.50 0.34 0.20 0.04 0.04
Weighted Average Shares
9.90 10.26 10.47 0.01 0.01 11.16 11.11 5.94 5.36 5.24 5.21 5.16 5.15 5.13 -
Diluted Weighted Avg Shares
9.91 10.26 10.47 0.01 0.01 11.16 11.12 7.34 5.36 5.24 5.21 - - - -
Comprehensive Income
18.37 14.66 13.39 -0.06 19.94 14.69 10.88 1.98 - - - - - - -