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Citizens Community Bancorp CZWI Q1 2025 earnings

Reported April 28, 2025 · Before market open

Revenue$14.2MMiss by $517.0K
EPS$0.32Beat by $0.05
Revenue estimate$14.7M
EPS estimate$0.27

Next report

Oct 26, 2026 (in 3 months)
Revenue estimate$16.9M
EPS estimate$0.49

Financials

Q1 2025

Income statement

See full
Revenue$14.2M-6.5%
Net income$3.2M-21.8%
EPS (diluted)$0.32-17.9%

Balance sheet

See full
Cash & equivalents$100.2M+250%
Total debt$970.0K-38.1%
Total equity$180.1M+4.2%
Total assets$1.8B-2.2%

Cash flow

See full
Operating cash flow$1.6M-82.4%
CapEx$100.0K-53.3%
Free cash flow$1.5M-83.1%

Valuation & ratios

Valuation

as of 03/31/25
See full
Market cap$143.65M+12.8%
Enterprise value$44.42M-55.7%
P/E11.2×+1.7×
P/S2.6×+0.4×

Profitability

See full
Net margin23.1%+0.1pp
FCF margin21.7%-10.9pp

Returns & leverage

See full
Return on equity7.3%-0.7pp
Debt / equity0×0.0×

Segments

By segment

See full
Reportable Segment$23.7M-8.7%

Versus estimates

Revenue

Q2 2026$16.1MMiss by $189.0KQ1 2026$16.1MBeat by $409.0KQ4 2025$15.6MMiss by $743.0KQ3 2025$16.2MMiss by $60.0KQ2 2025$16.1MBeat by $1.4M
Q1 2025$14.2MMiss by $517.0K

Diluted EPS

Q2 2026$0.11Miss by $0.30Q1 2026$0.39Beat by $0.03Q4 2025$0.44Beat by $0.07Q3 2025$0.37In lineQ2 2025$0.33Beat by $0.04
Q1 2025$0.32Beat by $0.05

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Questions, answered.

When did Citizens Community Bancorp report Q1 2025 earnings?
Citizens Community Bancorp (CZWI) reported Q1 2025 earnings on April 28, 2025 before market open.
What were Citizens Community Bancorp's Q1 2025 revenue and EPS?
Citizens Community Bancorp reported revenue of $14.2M and eps of $0.32 for Q1 2025.
Did Citizens Community Bancorp beat estimates in Q1 2025?
Revenue missed the consensus estimate of $14.7M by $517.0K. EPS beat the consensus estimate of $0.27 by $0.05.
How did Citizens Community Bancorp's Q1 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 6.5% from $15.2M a year earlier and eps declined 17.9% from $0.39.
Where can I find Citizens Community Bancorp's Q1 2025 SEC filings?
You can read the 10-Q periodic report (0001367859-25-000052) directly on SEC EDGAR. The filing index links above go to sec.gov.