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Citizens Community Bancorp CZWI Q4 2025 Annual earnings

Reported January 26, 2026 · Before market open

Revenue$15.6MMiss by $743.0K
EPS$0.44Beat by $0.07
Revenue estimate$16.3M
EPS estimate$0.37

Next report

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

Financials

Q4 2025

Income statement

See full
Revenue$15.8M+14.9%
Net income$4.3M+58.1%
EPS (diluted)$0.44+63.0%

Balance sheet

See full
Cash & equivalents$118.9M+137%
Total debt$950.0K-11.7%
Total equity$187.9M+4.9%
Total assets$1.8B+1.9%

Cash flow

See full
Operating cash flow$3.9M+46.9%
CapEx$593.0K+147%
Free cash flow$3.3M+36.8%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$172.14M+5.3%
Enterprise value$54.23M-52.6%
P/E11.9×+0.1×
P/S2.8×-0.1×

Profitability

See full
Net margin23.1%-1.2pp
FCF margin17.7%-16.8pp

Returns & leverage

See full
Return on equity7.9%+0.1pp
Debt / equity0×0.0×

Segments

By segment

See full
Reportable Segment$24.5M+2.1%

Versus estimates

Revenue

Q2 2026$16.1MMiss by $189.0KQ1 2026$16.1MBeat by $409.0K
Q4 2025$15.6MMiss by $743.0K
Q3 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 $0.03
Q4 2025$0.44Beat by $0.07
Q3 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 2025 earnings?
Citizens Community Bancorp (CZWI) reported Q4 2025 earnings on January 26, 2026 before market open.
What were Citizens Community Bancorp's Q4 2025 revenue and EPS?
Citizens Community Bancorp reported revenue of $15.6M and eps of $0.44 for Q4 2025.
Did Citizens Community Bancorp beat estimates in Q4 2025?
Revenue missed the consensus estimate of $16.3M by $743.0K. EPS beat the consensus estimate of $0.37 by $0.07.
How did Citizens Community Bancorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 34.4% from $23.7M a year earlier and eps grew 63.4% from $0.27.
Where can I find Citizens Community Bancorp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001367859-26-000005) and the 10-K periodic report (0001367859-26-000017) directly on SEC EDGAR. The filing index links above go to sec.gov.