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Citizens Community Bancorp Inc.

CZWI

$21.62 ▼ -0.06 (-0.28%) at close

18 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

Citizens Community Bancorp Inc. shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $214.0M

Dividend Yield 1.67%

Revenue Growth 10.2% ↗

Op. Margin 28.0% ↘

ROIC None

FCF / Share None

Trailing P/E 14.8x

Price / Book 1.1x

FCF Yield —

Debt / Equity 0.28

info Valuation on last close. End-of-day price, Aug 6, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$62.33M

↑ +10.2% —

Net Income Profit after all expenses

$14.42M

↑ +4.9% —

Operating Margin Operating profit as % of sales

28.0%

↓ -9.3% 84th

Long-Term Debt Long-term obligations

$51.80M

↓ -22.2% —

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.36 Latest / share

+12.5% YoY

+22.1% 12-yr CAGR

$0.04

FY 2014

$0.08

FY 2015

$0.12

FY 2016

$0.16

FY 2017

$0.20

FY 2018

$0.20

FY 2019

$0.21

FY 2020

$0.23

FY 2021

$0.26

FY 2022

$0.29

FY 2023

$0.32

FY 2024

$0.36

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗
Revenue Growth YoY (%)	10.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+69%)	-3.4% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-157%)	-12.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-305%)	-3.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-165%)	1.1% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-81%)	17.5% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+191%)	55.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+821%)	39.4% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+557%)	12.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+110%)	6.7% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+12%)	-3.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-150%)	3.9% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-36%)	0.7% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-89%)	—	—	40.0% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+566%)	—	—
EPS Growth YoY (%)	9.0% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	7.2% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-26.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-14.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	73.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	34.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	18.1% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	53.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-4.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-9.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	54.3% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	75.0% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	400.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	N/M	-135.6% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	4.9% Caution ↑ Caution Improving Year-over-year change in net income	5.3% Fair ↓ Fair Declining Year-over-year change in net income	-26.5% Weak ↓ Weak Declining Year-over-year change in net income	-16.5% Weak ↓ Weak Declining Year-over-year change in net income	67.1% Excellent ↓ Excellent Declining Year-over-year change in net income	34.5% Excellent ↓ Excellent Declining Year-over-year change in net income	120.9% Excellent ↑ Excellent Improving Year-over-year change in net income	71.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-2.9% Weak ↓ Weak Declining Year-over-year change in net income	-8.3% Weak ↓ Weak Declining Year-over-year change in net income	57.4% Excellent ↓ Excellent Declining Year-over-year change in net income	70.3% Excellent ↓ Excellent Declining Year-over-year change in net income	408.3% Excellent ↑ Excellent Improving Year-over-year change in net income	6.7% Fair Fair Year-over-year change in net income	N/M	-122.8% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-2.3% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-6.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-5.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	4.5% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	22.6% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	36.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	34.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	18.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	5.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	2.4% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	0.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	—	13.1% Good Good Compound annual revenue growth over 3 years	26.2% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	-1.9% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-0.7% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	9.2% Good ↓ Good Declining Compound annual revenue growth over 5 years	19.8% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	23.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	25.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	20.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	11.0% Good ↑ Good Improving Compound annual revenue growth over 5 years	4.0% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	—	7.8% Fair Fair Compound annual revenue growth over 5 years	16.0% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-4.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-12.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	3.1% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	25.7% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	40.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	34.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	20.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	10.1% Good ↓ Good Declining Compound annual EPS growth over 3 years	10.3% Good ↓ Good Declining Compound annual EPS growth over 3 years	34.8% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	138.1% Excellent Excellent Compound annual EPS growth over 3 years	106.1% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗
Operating Margin (%) (%)	28.0% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	30.8% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	32.3% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	35.3% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	17.3% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.2% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.0% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.7% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	23.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+5%)	24.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	22.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	26.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	30.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	18.5% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	16.2% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-26%)	11.4% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-48%)	9.2% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-58%)	10.7% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	12.5% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-43%)	7.7% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-65%)	4.7% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-79%)	0.9% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-96%)	—	-46.0% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-309%)	-28.9% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-231%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	-1.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	7.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-36%)	7.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-36%)	7.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	10.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-11%)	12.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	7.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	6.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-48%)	3.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-74%)	3.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-72%)	4.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-67%)	4.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-62%)	3.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-74%)	1.9% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-84%)	0.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-97%)	0.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-97%)	-14.2% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-218%)	-5.7% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-148%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗
Debt to Equity (x)	0.28x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-77%)	0.37x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-69%)	—	—	—	—	—	0.64x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-46%)	1.64x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+36%)	1.09x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-9%)	—	—	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗
Revenue per Share (USD)	$6.30	$5.52	$5.60	$6.36	—	—	$5.26	$6.34	$5.04	$4.58	$4.32	$4.49	$4.33	$4.32	—	—	—	—
Basic EPS, GAAP (USD)	$1.46	$1.34	$1.25	$1.69	$1.98	$1.14	$0.85	$0.72	$0.47	$0.49	$0.54	$0.35	$0.20	$0.04	$0.04	$-1.39	$-0.59	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.36	$0.32	$0.29	$0.26	$0.23	$0.21	$0.20	$0.20	$0.16	$0.12	$0.08	$0.04	$0.02	$0.00	—	—	$0.20	—
Book Value per Share (USD)	$19.54	$17.94	$16.60	$16.03	$16.27	$14.52	$13.36	$12.45	$12.48	$12.27	$11.74	$11.09	$10.51	$10.73	$10.30	$9.75	—	—
Tangible Book Value per Share (USD)	$16.23	$14.69	$13.42	$12.77	$12.90	$11.67	$10.57	$11.49	$10.70	$11.38	$11.74	$11.09	$10.51	$10.73	$10.30	$9.75	—	—
Basic Weighted Avg Shares (shares)	9.90M	10.26M	10.47M	10.51M	10,717	11,162	11.11M	5.94M	5.36M	5.24M	5.21M	5.16M	5.15M	5.13M	5.12M	—	—	—
Dividend Payout Ratio (%)	24.7% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	23.9% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	23.2% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	15.4% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$51.80M	$66.61M	—	—	—	—	—	$87.62M	$120.32M	$70.29M	—	—	—	—	—	—	—	—
Total Equity (USD)	$187.94M	$179.08M	$173.33M	$167.09M	$170.87M	$160.56M	$150.55M	$135.85M	$73.48M	$64.54M	$61.45M	$57.29M	$54.19M	$55.10M	$52.89M	$49.88M	$55.37M	$68.48M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$62.33M	$56.58M	$58.60M	$66.80M	$69.49M	$68.70M	$58.49M	$37.67M	$27.02M	$23.99M	$22.48M	$23.17M	$22.31M	$22.17M	—	$15.43M	$11.02M	—
Depreciation Expense (USD)	$2.03M	$2.17M	$2.37M	$2.36M	$2.25M	$1.95M	$1.56M	$1.05M	$864.00K	$1.07M	$1.38M	$1.12M	$1.08M	$1.04M	$1.10M	$1.12M	$959.00K	—
Net Income, GAAP (USD)	$14.42M	$13.75M	$13.06M	$17.76M	$21.27M	$12.72M	$9.46M	$4.28M	$2.50M	$2.57M	$2.81M	$1.78M	$1.05M	$206.00K	$193.00K	$-7.09M	$-3.18M	—
Operating Cash Flow (USD)	$11.69M	$20.40M	$13.12M	$29.29M	$21.60M	$23.79M	$12.84M	$10.86M	$1.91M	$5.70M	$5.78M	$7.84M	$6.64M	$9.08M	$10.01M	$6.43M	$3.78M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗
Net Interest Margin (approx.) (%)	2.9%	2.7%	2.6%	3.1%	3.1%	3.0%	2.8%	3.1%	2.4%	2.9%	3.2%	3.5%	3.5%	3.9%	3.9%	3.6%	—	—
Efficiency Ratio (%) (%)	68.9%	74.8%	68.5%	62.5%	58.3%	63.6%	73.0%	79.0%	84.7%	83.6%	77.4%	79.5%	78.4%	78.3%	—	107.4%	135.4%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 67 quarters

Citizens Community Bancorp Inc.

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