Citizens Community Bancorp, Inc. (CZWI) Earnings History
Annual and quarterly earnings data from 2003 to 2025
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CZWI EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
CZWI Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 54.7% | 7.0% | 16.0% |
| 2024 | 59.8% | 17.6% | 13.8% |
| 2023 | 62.5% | 20.0% | 13.8% |
| 2022 | 81.9% | 29.4% | 22.1% |
| 2021 | 87.0% | 36.2% | 26.6% |
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Citizens Community Bancorp, Inc. (CZWI) Earnings Overview
As of May 6, 2026, Citizens Community Bancorp, Inc. (CZWI) reported trailing twelve-month net income of $14M, reflecting +9.0% year-over-year growth. The company earned $1.49 per diluted share over the past four quarters, with a net profit margin of 16.0%.
Looking at the long-term picture, CZWI's 5-year EPS compound annual growth rate (CAGR) stands at +5.1%, showing solid earnings momentum. The company achieved its highest annual net income of $21M in fiscal 2021.
Citizens Community Bancorp, Inc. maintains industry-leading profitability with a gross margin of 54.7%, operating margin of 7.0%, and net margin of 16.0%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including BWFG ($35M net income, 16.9% margin), HONE ($26M net income, 8.7% margin), NECB ($44M net income, 28.2% margin), CZWI has room to improve margins relative to the peer group. Compare CZWI vs BWFG →
CZWI Earnings vs Peers
Earnings metrics vs comparable public companies
CZWI Historical Earnings Data (2003–2025)
23 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $14M | +4.9% | $6M | $1.46 | 16.0% | 7.0% |
| 2024 | $14M | +5.3% | $17M | $1.34 | 13.8% | 17.6% |
| 2023 | $13M | -26.5% | $19M | $1.25 | 13.8% | 20.0% |
| 2022 | $18M | -16.5% | $24M | $1.69 | 22.1% | 29.4% |
| 2021 | $21M | +67.1% | $29M | $1.98 | 26.6% | 36.2% |
| 2020 | $13M | +34.5% | $17M | $1.14 | 15.4% | 20.9% |
| 2019 | $9M | +87.6% | $12M | $0.85 | 12.9% | 16.8% |
| 2018 | $5M | +101.8% | $7M | $0.38 | 184.4% | 266.5% |
| 2017 | $2M | -2.9% | $4M | $0.46 | 7.7% | 11.8% |
| 2016 | $3M | -8.3% | $4M | $0.59 | 8.9% | 13.3% |
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Start ComparisonCZWI — Frequently Asked Questions
Quick answers to the most common questions about buying CZWI stock.
Is CZWI growing earnings?
CZWI EPS stands at $1.49, with +9.0% growth matching the 5-year CAGR of +5.1%. TTM net income is $14M. Earnings trajectory remains consistent.
What are CZWI's profit margins?
Citizens Community Bancorp, Inc. net margin is +16.0%, with operating margin at +7.0%. Above-average margins indicate pricing power.
How consistent are CZWI's earnings?
CZWI earnings data spans 2003-2025. The current earnings trend is +9.0% YoY. Historical data enables comparison across business cycles.