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Citizens Community Bancorp CZWI Free cash flow margin

Free cash flow margin at other companies

Associated Banc-Corp logo
Associated Banc-CorpASB
40.4%-4.9pp
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
37%+8.8pp
Citizens & Northern logo
Citizens & NorthernCZNC
28.3%+3.5pp
CTB
Community Trust BancorpCTBI
34.7%-7.4pp
Eagle Bancorp logo
Eagle BancorpEGBN
53.8%+5.9pp
First Financial Corporation logo
First Financial CorporationTHFF
32.8%+5.6pp

Other financials

Income statement

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Revenue$16.1M+13.5%
Net income$3.8M+17.5%
EPS (diluted)$0.39+21.9%

Balance sheet

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Cash & equivalents$149.2M+48.9%
Total debt$731.0K-24.6%
Total equity$190.9M+6.0%
Total assets$1.8B+2.4%

Cash flow

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Operating cash flow$4.0M+146%
CapEx$570.0K+470%
Free cash flow$3.4M+125%

Valuation

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Market cap$225.58M+67.4%
Enterprise value$77.1M+14.4%
P/E15.1×+4.2×
P/S3.5×+1.2×

Profitability

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Net margin23.3%+0.2pp

Returns & leverage

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Return on equity8.1%+0.8pp
Debt / equity0×0.0×

Where this comes from

Calculated from Citizens Community Bancorp’s reported figures.

free cash flow/total revenue=20.1%

Based on trailing twelve months.

The official record: Citizens Community Bancorp’s 10-Q, filed May 6, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens Community Bancorp's free cash flow margin?
Citizens Community Bancorp (CZWI) reported free cash flow margin of 20.1% in Q1 2026.
How has Citizens Community Bancorp's free cash flow margin changed year-over-year?
Citizens Community Bancorp's free cash flow margin decreased by 7.6% year-over-year, from 21.7% to 20.1%.
What is the long-term trend for Citizens Community Bancorp's free cash flow margin?
Over 4 years (2020 to 2025), Citizens Community Bancorp's free cash flow margin has grown at a -13.0% compound annual growth rate (CAGR), from 30.9% to 17.7%.
What does free cash flow margin mean?
Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.