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Citizens Community Bancorp Inc. (NASDAQ:CZWI)
US · Delayed Price · Currency is USD
Financial Services · Banks - Regional
22.69+1.27 (+5.93%)
Insider Score
/ 100
CZWI Insider Score
Citizens Community Bancorp Inc. has a live Insider Score.
Scored on 2 qualifying trades from 2 insiders in the last 90 days.
Financial Health Score
Sound
From CZWI’s reported statements · Q3 2026 (trailing 12 months)
Profitability18 / 20
Keeps a healthy share of every dollar it sells.
- Revenue
- $88.3M
- Net income
- $14.5M
- Net margin
- 16.5%
Leverage20 / 20
Little or no net debt.
- Total debt
- $51.9M
- Cash
- $95.4M
- Net debt / EBITDA
- -2.95x
Liquidity0 / 20
Owes more within a year than it holds to pay it.
- Current assets
- $316.7M
- Current liabilities
- $1.54B
- Current ratio
- 0.21
Cash generation20 / 20
The business funds itself from operations.
- Operating cash flow
- $22.4M
- Free cash flow
- $21.4M
- FCF margin
- 24.2%
Dilution & runway20 / 20
Not funding itself by issuing shares.
- Shares outstanding
- 10.0M
- Share growth (1y)
- 0.3%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
CZWI Income Statement
| Fiscal Period | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 |
| Revenue | 26.08 M | 22.03 M | 24.45 M | 15.76 M | 25.28 M | 25.34 M |
| Revenue Growth (YoY) | 3.17 % | -13.04 % | 3.22 % | -33.57 % | -0.35 % | 3.87 % |
| Cost of Revenue | 8.83 M | 8.53 M | 9.26 M | 11.33 M | 9.69 M | 10.54 M |
| Gross Profit | 17.25 M | 13.50 M | 15.20 M | 4.43 M | 15.59 M | 14.80 M |
| SG&A Expense | 8.96 M | 10.55 M | 7.34 M | 7.43 M | 6.74 M | 6.39 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 10.64 M | 14.87 M | 10.57 M | 10.67 M | 11.05 M | 10.75 M |
| Operating Income | 6.61 M | -1.37 M | 4.63 M | -6.24 M | 4.54 M | 4.05 M |
| Pretax Income | 6.61 M | 1.24 M | 4.63 M | 4.88 M | 4.54 M | 4.05 M |
| Tax Provision | 1.21 M | 135.00 K | 877.00 K | 614.00 K | 853.00 K | 777.00 K |
| Net Income | 5.41 M | 1.10 M | 3.75 M | 4.27 M | 3.68 M | 3.27 M |
| EPS (Basic) | 0.56 | 0.11 | 0.39 | 0.44 | 0.37 | 0.33 |
| EPS (Diluted) | 0.56 | 0.11 | 0.39 | 0.44 | 0.37 | 0.33 |
| Shares Outstanding | 10.02 M | 10.02 M | 9.63 M | 9.71 M | 9.99 M | 9.99 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.
Disclaimer — Informational only — not investment advice. Insider transaction data is sourced from SEC Form 4 filings; market data from public feeds and may be delayed. The Insider Score is a proprietary score for research purposes and does not predict future performance. Always do your own research.