CZWINasdaqSavings Institution, Federally CharteredFiscal year ends December 31
Citizens Community Bancorp Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$21.11−0.11 (-0.52%)
Close on Oct 19, 2026
- Market cap
- $203.65M
- P/E (TTM)
- 16.1
- Dividend yield
- 1.71%
Margins
Share of revenue, fiscal years 2010 to 2025
Net margin
23.1%+4.6 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +10.2% | -2.3% | -1.9% | +10.7% | |
| Net income | +4.9% | -6.7% | +2.5% | +17.8% | |
| EPS, diluted | +9.0% | -4.8% | +5.1% | +10.5% | |
| Free cash flow | -46.8% | -26.1% | -13.3% | +6.7% | |
| Dividend per share | +12.5% | +11.5% | +11.4% | +16.2% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2015 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 4.7% | – | 7.9% | |
| Return on assets | 0.5% | – | 0.8% | |
| Capex to revenue | 1.5% | 3.7% | 2.1% | |
| Diluted shares | 5M | 0M | 10M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Citizens Community Bancorp generated $96.10M from operations and spent $48.47M on capital expenditure, dividends and share buybacks. 23% of that went back into the business.
Generated
$96.10M
Used
$48.47M
Capital expenditure$10.95M23%Dividends$15.24M31%Share buybacks$22.29M46%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin23.1%
×Asset turnover0.04×
×Equity multiplier9.62×
=Return on equity, FY20257.9%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 23.1% | 0.04× | 9.62× | 7.9% |
| FY2024 | 24.3% | 0.03× | 10.21× | 7.8% |
| FY2023 | 22.3% | 0.03× | 10.77× | 7.7% |
| FY2022 | 26.6% | 0.04× | 10.52× | 10.5% |
| FY2021 | 30.6% | 0.04× | 10.22× | 12.8% |
| FY2018 | 11.4% | 0.04× | 9.15× | 4.1% |
| FY2017 | 9.2% | 0.03× | 11.86× | 3.6% |
| FY2016 | 10.7% | 0.04× | 10.13× | 4.1% |
| FY2015 | 12.5% | 0.04× | 9.63× | 4.7% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$14.42M
- Cash generatingOperating cash flow above zero$11.69M
- Return on assets improvedROA up on the prior year0.7% → 0.8%
- Earnings backed by cashOperating cash flow above net income$11.69M vs $14.42M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise10M → 10M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.03 → 0.04