Security
Citizens Community Bancorp, Inc. Common Stock · CZWI
CZWINASDAQCommon stockCurrentCIK 1367859Updated Nov 10, 2026
CZWI price & chart
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NASDAQ:CZWI on TradingView ↗In the news
Citizens Community Bancorp, Inc. Reports First Quarter 2026 Earnings of $0.39 Per Share; Board Approves Quarterly Dividend at $0.105 per Share ↗
Recent filings
10-Q filing
S-8 filing
S-8 POS filing
Other Events
Items 8.01
Results of Operations and Financial Condition · Regulation FD Disclosure · Other Events
Items 2.02, 7.01, 8.01, 9.01
Show 5 more recent filings
Financials
FY 2025 · USDSource
Source
Source
Source
balance sheet · annual statements
| Line item | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q2 2024 | Q1 2026 | Q1 2025 | Q1 2024 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ASSETS | ||||||||||||
| AssetsUSD | — | — | — | — | — | 1,781,755,000Source | 1,748,519,000Source | 1,851,391,000Source | 1,781,755,000Source | 1,748,519,000Source | 1,851,391,000Source | 1,816,386,000Source |
| Property, Plant and Equipment, NetUSD | — | — | — | — | — | 16,357,000Source | 17,075,000Source | 18,373,000Source | 16,357,000Source | 17,075,000Source | 18,373,000Source | 20,493,000Source |
| GoodwillUSD | — | — | — | — | — | 31,498,000Source | 31,498,000Source | 31,498,000Source | 31,498,000Source | 31,498,000Source | 31,498,000Source | 31,498,000Source |
| Intangible Assets, Net (Excluding Goodwill)USD | — | — | — | — | — | 395,000Source | 979,000Source | 1,694,000Source | 395,000Source | 979,000Source | 1,694,000Source | 2,449,000Source |
| Current assets: | ||||||||||||
| Cash and Cash Equivalents, at Carrying ValueUSD | — | — | — | — | — | 118,853,000Source | 50,172,000Source | 37,138,000Source | 118,853,000Source | 50,172,000Source | 37,138,000Source | 35,363,000Source |
| Operating Lease, Right-of-Use AssetUSD | — | — | — | — | — | 764,000Source | 815,000Source | — | 764,000Source | 815,000Source | 1,477,000Source | 1,700,000Source |
| LIABILITIES AND EQUITY | ||||||||||||
| LiabilitiesUSD | — | — | — | — | — | 1,593,816,000Source | 1,569,435,000Source | 1,678,057,000Source | 1,593,816,000Source | 1,569,435,000Source | 1,678,057,000Source | 1,649,298,000Source |
| Stockholders’ equity: | ||||||||||||
| Common Stock, Value, IssuedUSD | — | — | — | — | — | 96,000Source | 100,000Source | 104,000Source | 96,000Source | 100,000Source | 104,000Source | 104,000Source |
| Retained Earnings (Accumulated Deficit)USD | — | — | — | — | — | 89,995,000Source | 80,840,000Source | 71,117,000Source | 89,995,000Source | 80,840,000Source | 71,117,000Source | 65,400,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | — | — | — | — | — | -12,467,000Source | -16,420,000Source | -17,328,000Source | -12,467,000Source | -16,420,000Source | -17,328,000Source | -17,656,000Source |
| Stockholders' Equity Attributable to ParentUSD | 183,462,000Source | 176,045,000Source | 190,874,000Source | 180,051,000Source | 172,821,000Source | 187,939,000Source | 179,084,000Source | 173,334,000Source | 187,939,000Source | 179,084,000Source | 173,334,000Source | 167,088,000Source |
| Additional Paid in Capital, Common StockUSD | — | — | — | — | — | 110,315,000Source | 114,564,000Source | 119,441,000Source | 110,315,000Source | 114,564,000Source | 119,441,000Source | 119,240,000Source |
| Liabilities and EquityUSD | — | — | — | — | — | 1,781,755,000Source | 1,748,519,000Source | 1,851,391,000Source | 1,781,755,000Source | 1,748,519,000Source | 1,851,391,000Source | 1,816,386,000Source |
| Additional Financial Items | ||||||||||||
| Deferred Tax Liabilities, NetUSD | — | — | — | — | — | — | — | — | 4,490,000Source | 5,166,000Source | 5,445,000Source | 5,845,000Source |
| Long-term DebtUSD | — | — | — | — | — | 51,804,000Source | — | — | 51,804,000Source | — | — | — |
cash flow · annual statements
| Line item | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q2 2024 | Q1 2026 | Q1 2025 | Q1 2024 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||||
| Share-based Payment Arrangement, Noncash ExpenseUSD | — | — | — | — | — | — | — | — | 146,000Source | — | — | — |
| Deferred Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | -1,438,000Source | — | — | 506,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | — | — | — | — | — | — | — | — | 11,693,000Source | 20,176,000Source | 13,124,000Source | 29,288,000Source |
| Cash flows from investing activities: | ||||||||||||
| Net Cash Provided by (Used in) Investing ActivitiesUSD | — | — | — | — | — | — | — | — | 45,706,000Source | 113,739,000Source | -34,205,000Source | -119,187,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | — | — | — | — | — | — | — | — | 1,311,000Source | 889,000Source | 1,367,000Source | 3,602,000Source |
| Cash flows from financing activities: | ||||||||||||
| Payment, Tax Withholding, Share-based Payment ArrangementUSD | — | — | — | — | — | — | — | — | 190,000Source | 119,000Source | 129,000Source | 150,000Source |
| Payments for Repurchase of Common StockUSD | — | — | — | — | — | — | — | — | 6,055,000Source | 6,097,000Source | 421,000Source | 1,764,000Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | — | — | — | — | — | — | — | — | 11,282,000Source | -120,881,000Source | 22,856,000Source | 77,571,000Source |
| Payments of Ordinary Dividends, Common StockUSD | — | — | — | — | — | — | — | — | 3,598,000Source | 3,346,000Source | 3,040,000Source | 2,742,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | — | — | — | — | — | — | — | — | 68,681,000Source | 13,034,000Source | 1,775,000Source | -12,328,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | — | — | — | — | — | 118,853,000Source | 50,172,000Source | 37,138,000Source | 118,853,000Source | 50,172,000Source | 37,138,000Source | 35,363,000Source |
| Supplemental disclosure of cash flow information: | ||||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | — | — | — | — | — | — | — | — | 34,995,000Source | 34,446,000Source | 23,353,000Source | 6,435,000Source |
| Income Taxes Paid, NetUSD | — | — | — | — | — | — | — | — | 2,065,000Source | — | — | — |
| Additional Financial Items | ||||||||||||
| Share-based Payment Arrangement, ExpenseUSD | — | — | — | — | — | — | — | — | 403,000Source | 190,000Source | — | — |
| Amortization of Debt Issuance CostsUSD | — | — | — | — | — | — | — | — | 203,000Source | — | — | — |
| Amortization of Intangible AssetsUSD | — | — | — | — | — | — | — | — | 584,000Source | 715,000Source | 755,000Source | 1,449,000Source |
| Bank Owned Life Insurance IncomeUSD | — | — | — | — | — | — | — | — | 0Source | 184,000Source | — | — |
| Debt Securities, Realized Gain (Loss)USD | — | — | — | — | — | — | — | — | — | 0Source | 12,000Source | 0Source |
| DepreciationUSD | — | — | — | — | — | — | — | — | 2,029,000Source | 2,174,000Source | 2,371,000Source | 2,357,000Source |
| Equity Securities, FV-NI, Gain (Loss)USD | — | — | — | — | — | — | — | — | 234,000Source | -856,000Source | 459,000Source | 541,000Source |
| Equity Securities, FV-NI, Realized Gain (Loss)USD | — | — | — | — | — | — | — | — | 234,000Source | -856,000Source | 447,000Source | 541,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | — | — | — | — | — | — | — | — | 1,950,000Source | — | -188,000Source | — |
| Gain (Loss) on Disposition of AssetsUSD | — | — | — | — | — | — | — | — | -33,000Source | -294,000Source | -62,000Source | 395,000Source |
| Gain (Loss) on Disposition of BusinessUSD | — | — | — | — | — | — | — | — | — | 0Source | -380,000Source | -736,000Source |
| Gain (Loss) on Sale of Mortgage LoansUSD | — | — | — | — | — | — | — | — | 2,925,000Source | 2,216,000Source | 1,692,000Source | 1,474,000Source |
| Gain (Loss) on Sales of Loans, NetUSD | — | — | — | — | — | — | — | — | 2,925,000Source | 2,216,000Source | 1,692,000Source | 1,474,000Source |
| GoodwillUSD | — | — | — | — | — | 31,498,000Source | 31,498,000Source | 31,498,000Source | 31,498,000Source | 31,498,000Source | 31,498,000Source | 31,498,000Source |
| Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | 3,021,000Source | 3,699,000Source | 5,873,000Source | 5,820,000Source |
| Net Income (Loss) Attributable to ParentUSD | 3,270,000Source | 3,675,000Source | 3,755,000Source | 3,197,000Source | 4,088,000Source | 4,271,000Source | 2,702,000Source | 3,693,000Source | 14,420,000Source | 13,751,000Source | 13,059,000Source | 17,761,000Source |
| Operating Lease, Impairment LossUSD | — | — | — | — | — | — | — | — | — | 66,000Source | — | — |
| Operating Lease, Lease IncomeUSD | — | — | — | — | — | — | — | — | 85,000Source | 59,000Source | 41,000Source | 34,000Source |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | — | — | — | — | — | — | — | — | 14,561,000Source | 14,842,000Source | 16,594,000Source | 25,815,000Source |
| Proceeds from Stock Options ExercisedUSD | — | — | — | — | — | — | — | — | 179,000Source | 22,000Source | 28,000Source | 71,000Source |
| Provision for Loan, Lease, and Other LossesUSD | — | — | — | — | — | — | — | — | 1,794,000Source | -2,259,000Source | -188,000Source | — |
| Financing Receivable, Credit Loss, Expense (Reversal)USD | — | — | — | — | — | — | — | — | 1,950,000Source | -3,175,000Source | -475,000Source | 1,475,000Source |
| Stock or Unit Option Plan ExpenseUSD | — | — | — | — | — | — | — | — | — | — | 0Source | 3,000Source |
income statement · annual statements
| Line item | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q2 2024 | Q1 2026 | Q1 2025 | Q1 2024 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | — | — | — | — | — | — | — | — | 17,441,000Source | 17,450,000Source | 18,932,000Source | — |
| Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | 3,021,000Source | 3,699,000Source | 5,873,000Source | 5,820,000Source |
| Net Income (Loss) Attributable to ParentUSD | 3,270,000Source | 3,675,000Source | 3,755,000Source | 3,197,000Source | 4,088,000Source | 4,271,000Source | 2,702,000Source | 3,693,000Source | 14,420,000Source | 13,751,000Source | 13,059,000Source | 17,761,000Source |
| Earnings Per Share, BasicUSD per share | — | — | — | — | — | — | — | — | 1.46Source | 1.34Source | 1.25Source | 1.69Source |
| Earnings Per Share, DilutedUSD per share | — | — | — | — | — | — | — | — | 1.46Source | 1.34Source | 1.25Source | 1.69Source |
| Weighted Average Number of Shares Outstanding, Basicshares | — | — | — | — | — | — | — | — | 9,899,000Source | 10,257,000Source | 10,469,000Source | 10,505Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | — | — | — | — | — | — | — | — | 9,907,000Source | 10,263,000Source | 10,470,000Source | 10,514Source |
| Additional Financial Items | ||||||||||||
| Amortization of Intangible AssetsUSD | — | — | — | — | — | — | — | — | 584,000Source | 715,000Source | 755,000Source | 1,449,000Source |
| Bank Owned Life Insurance IncomeUSD | — | — | — | — | — | — | — | — | 0Source | 184,000Source | — | — |
| Common Stock, Dividends, Per Share, DeclaredUSD per share | — | — | 0.11Source | 0.36Source | 0.32Source | — | — | — | 0.36Source | 0.32Source | 0.29Source | — |
| Current Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | 4,459,000Source | 3,320,000Source | 5,529,000Source | 5,314,000Source |
| Debt Securities, Realized Gain (Loss)USD | — | — | — | — | — | — | — | — | — | 0Source | 12,000Source | 0Source |
| Equity Securities, FV-NI, Realized Gain (Loss)USD | — | — | — | — | — | — | — | — | 234,000Source | -856,000Source | 447,000Source | 541,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | — | — | — | — | — | — | — | — | 1,950,000Source | — | -188,000Source | — |
| Interest ExpenseUSD | — | — | — | — | — | — | — | — | — | — | 35,899,000Source | 13,028,000Source |
| InterestExpenseOperatingUSD | — | — | — | — | — | — | — | — | 36,446,000Source | 43,141,000Source | — | — |
| Interest Income (Expense), NetUSD | — | — | — | — | — | — | — | — | 51,184,000Source | 46,474,000Source | 48,349,000Source | 56,369,000Source |
| Labor and Related ExpenseUSD | — | — | — | — | — | — | — | — | 23,875,000Source | 22,741,000Source | 21,106,000Source | 22,128,000Source |
| Operating Lease, Lease IncomeUSD | — | — | — | — | — | — | — | — | 85,000Source | 59,000Source | 41,000Source | 34,000Source |
Filing attachments
ex992.htm · 8-K · 2026-10-26
EXHIBIT 99.2 Earnings Release Supplement Third Quarter 2026 Citizens Community Bancorp, Inc. Table of Contents Cautionary Statement and Additional Disclosures Deposit Composition Commercial Deposit Concentrations Top 100 Depositors Liquidity Non-Owner Occupied CRE Owner Occupied CRE Multi-family Commercial & Industrial Loans Construction & Development Loans Agricultural Real Estate & Operating Loans (The following four industry slides are loans included in previous commercial loan slides above,…
Read attachment ↗ex992.htm · 8-K · 2026-07-27
EX-99.2 3 ex992.htm EX-99.2 ex992 EXHIBIT 99.2 Earnings Release Supplement Second Quarter 2026 Citizens Community Bancorp, Inc. Table of Contents Cautionary Statement and Additional Disclosures Deposit Composition Commercial Deposit Concentrations Top 100 Depositors Liquidity Non-Owner Occupied CRE Owner Occupied CRE Multi-family Commercial & Industrial Loans Construction & Development Loans Agricultural Real Estate & Operating Loans (The following four industry slides are loans included i…
Read attachment ↗tm2616872d1_ex99-1.htm · SCHEDULE 13D · 2026-06-04
EXHIBIT 99.1 JOINT FILING AGREEMENT PURSUANT TO RULE 13d-1(k) The undersigned acknowledge and agree that the Schedule 13D to which this Joint Filing Agreement is attached is filed on behalf of each of the undersigned with respect to the shares of common stock, par value $0.01 per share, of Citizens Community Bancorp, Inc., a Maryland corporation, and that all subsequent amendments to such statement on Schedule 13D may be filed on behalf of each of the undersigned without the necessity of filin…
Read attachment ↗ex992.htm · 8-K · 2026-04-27
EX-99.2 3 ex992.htm EX-99.2 ex992 EXHIBIT 99.2 Earnings Release Supplement First Quarter 2026 Citizens Community Bancorp, Inc. Table of Contents Cautionary Notes and Additional Disclosures Deposit Composition Commercial Deposit Concentrations Top 100 Depositors Liquidity Non-Owner Occupied CRE Owner Occupied CRE Multi-family Commercial & Industrial Loans Construction & Development Loans Agricultural Real Estate & Operating Loans (The following four slides are loans included in previous com…
Read attachment ↗ex991.htm · 8-K · 2026-01-27
2025 Fourth Quarter Results 2026 CEO FORUM Exhibit 99.1 Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the corresponding 12-months (i.e., fiscal year) then ended. “MMM-YY” refers to either the corresponding quarter-end date, or the corresponding three-month period then ended. CAUTIONARY NOTE REGARDING FORWARD LOOKING STATEMENTS This presentation may contain certain forward-lookin…
Read attachment ↗ex992.htm · 8-K · 2026-01-26
EXHIBIT 99.2 Earnings Release Supplement Fourth Quarter 2025 Citizens Community Bancorp, Inc. Table of Contents Cautionary Notes and Additional Disclosures Deposit Composition Commercial Deposit Concentrations Top 100 Depositors Liquidity Non-Owner Occupied CRE Owner Occupied CRE Multi-family Commercial & Industrial Loans Construction & Development Loans Agricultural Real Estate & Operating Loans (The following four slides are loans included in previous commercial loan slides above, excluding M…
Read attachment ↗