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Citizens Community Bancorp CZWI Q4 2024 Annual earnings

Reported March 13, 2025

Revenue$23.7M
EPS$0.27

Next report

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

Financials

Q4 2024

Income statement

See full
Revenue$13.7M-3.6%
Net income$2.7M-26.8%
EPS (diluted)$0.27-25.0%

Balance sheet

See full
Cash & equivalents$50.2M+35.1%
Total debt$1.1M-36.2%
Total equity$179.1M+3.3%
Total assets$1.7B-5.6%

Cash flow

See full
Operating cash flow$2.6M-33.6%
CapEx$240.0K-59.7%
Free cash flow$2.4M-28.9%

Valuation & ratios

Valuation

as of 12/31/24
See full
Market cap$163.45M+33.7%
Enterprise value$114.36M+31.7%
P/E11.9×+2.5×
P/S2.9×+0.8×

Profitability

See full
Net margin24.3%+2.0pp
FCF margin34.5%+14.4pp

Returns & leverage

See full
Return on equity7.8%+0.1pp
Debt / equity0×0.0×

Segments

By segment

See full
Reportable Segment$24.0M+1.5%

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 $1.4MQ1 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 $0.04Q1 2025$0.32Beat by $0.05

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Questions, answered.

When did Citizens Community Bancorp report Q4 2024 earnings?
Citizens Community Bancorp (CZWI) reported Q4 2024 earnings on March 13, 2025.
What were Citizens Community Bancorp's Q4 2024 revenue and EPS?
Citizens Community Bancorp reported revenue of $23.7M and eps of $0.27 for Q4 2024.
Where can I find Citizens Community Bancorp's Q4 2024 SEC filings?
You can read the 10-K periodic report (0001367859-25-000033) directly on SEC EDGAR. The filing index links above go to sec.gov.