Citizens Community Bancorp, Inc. (CZWI)

From the record

Citizens Community Bancorp, Inc.'s filings since 2017 show 5 warning events of 2 kinds: a debt default or acceleration notice (8-K item 2.04, 2 times, the latest 2025-07-09); an auditor change (8-K item 4.01, 3 times, the latest 2024-03-05) (its current reports).

From the record

Citizens Community Bancorp, Inc.'s 10 filed years say what it did: revenue went from $25 million in fiscal 2016 to $88 million in fiscal 2025, up 14.5% a year; it rose in 7 of 9 years; the deepest fall was 2% from fiscal 2024 to fiscal 2025; net income was positive in 10 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, Citizens Community Bancorp, Inc.'s diluted share count shrank about 2.0% a year, and dividends and buybacks returned about 43% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 7 sales and 8 purchases of their own stock on the open market in the year to 2026-09-30, buying about $121 thousand (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, Citizens Community Bancorp, Inc. earned about 8 cents of profit for every dollar of shareholders' money. Leverage: it owed about 89 cents per dollar of assets, and net share issuance: its share count shrank 3.5% over the year (the filed statements).

From the record

Citizens Community Bancorp, Inc.'s standing among 31 graded names in its industry family: revenue of $88 million in fiscal 2025 ranks in the bottom 47% by size; a net margin of 16.5% ranks in the top 44%; revenue growth of 8.1% a year over the last 3 filed years ranks in the bottom 24% (its annual reports).

From the record

Citizens Community Bancorp, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Bianchi, Stephen M (CEO and President, as filed), filing under that title since 2016-06-28, 10.4 years (top 30% of its family); the 8 officers and directors filing in the last fifteen months have been on the record a median of 8.9 years (top 44%); 2 officer or director changes were reported on Form 8-K since 2023-11-13, against the 8 people in charge now (top 23%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Citizens Community Bancorp, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $119 million against debt of $52 million leaves 3.8% of its assets as net cash, bottom 48% of its family; cash from operations less capital spending is 11.8% of revenue (bottom 25%) (its annual report).

From the record

Citizens Community Bancorp, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 8.1% a year over the last three filed years against 14.5% over all 10, slowing (bottom 5% of its family); the newest year grew -2.2% (bottom 18%); capital spending grew -28.6% a year (bottom 12%) (its annual reports). Citizens Community Bancorp, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

Citizens Community Bancorp, Inc.'s newest year against its own record: revenue of $88 million in fiscal 2025 came in 13.9% below the $102 million its prior three years' pace pointed to (bottom 47% of its family); net income of $14 million against a prior three-year average of $15 million (bottom 29%); a net margin of 16.5% against 18.8% before (bottom 36%) (its annual reports).