Citizens Community Bancorp, Inc. (CZWI) Earnings History
Steady Earner23 years of earnings data (2003–2025) · Positive but moderate multi-year EPS trajectory
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Citizens Community Bancorp, Inc. (CZWI) Earnings Overview
As of June 20, 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% |
| 2015 | $3M | +57.4% | $4M | $0.50 | 10.4% | 16.4% |
| 2014 | $2M | +70.3% | $3M | $0.34 | 6.5% | 10.3% |
| 2013 | $1M | +408.3% | $2M | $0.20 | 3.8% | 6.1% |
| 2012 | $206,000 | +6.7% | $367,000 | $0.04 | 0.7% | 1.3% |
| 2011 | $193,000 | +102.7% | $330,000 | $0.04 | 0.6% | 1.0% |
| 2010 | -$7M | -122.8% | -$8M | $-1.39 | -18.3% | -20.8% |
| 2009 | -$3M | -315.9% | -$5M | $-0.59 | -9.7% | -16.0% |
| 2008 | $1M | +98.4% | $2M | $0.24 | 5.2% | 8.7% |
| 2007 | $743,000 | +66.6% | $1M | $0.11 | 3.5% | 5.7% |
| 2006 | $446,000 | -57.6% | $755,000 | $0.10 | 2.6% | 4.4% |
| 2005 | $1M | +25.6% | $2M | $0.24 | 7.5% | 12.4% |
| 2004 | $836,545 | +40.0% | $1M | $0.19 | 7.6% | 12.6% |
| 2003 | $597,497 | - | $987,598 | $0.20 | 12.2% | 20.1% |
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CZWI — Frequently Asked Questions
Quick answers to the most common questions about buying CZWI stock.
What is CZWI earnings per share (EPS)?
CZWI trailing twelve-month (TTM) diluted EPS is $1.49, reflecting +9.0% year-over-year growth. The 5-year EPS CAGR is +5.1%. Complete EPS history from 2003 to 2025 is available in the table on this page.
What is Citizens Community Bancorp, Inc.'s net income?
Citizens Community Bancorp, Inc. (CZWI) trailing twelve-month net income is $14M as of 2025. Earnings grew +9.0% year-over-year. Citizens Community Bancorp, Inc. has been profitable for 15 consecutive years.
Is CZWI profitable?
Yes, CZWI is profitable with a TTM net income of $14M and a net profit margin of +16.0%. Citizens Community Bancorp, Inc. has generated profits for 15 consecutive years.
What is CZWI's earnings growth rate?
CZWI compound annual EPS growth rates (CAGR): 1-Year: +9.0%, 3-Year: -4.8%, 5-Year: +5.1%, 10-Year: +11.3%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2003 to 2025.
What are CZWI's profit margins?
Citizens Community Bancorp, Inc. net profit margin is +16.0%, operating margin is +7.0%, and gross margin is +54.7%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +7.9%.
Is CZWI growing earnings?
CZWI is growing earnings steadily. YoY EPS growth of +9.0% is consistent with the 5-year CAGR of +5.1%. TTM net income is $14M.
What was CZWI's best earnings year?
Citizens Community Bancorp, Inc.'s highest annual net income on record is $21M, achieved in fiscal year 2021. Earnings history on this page spans 2003 to 2025 and includes all annual and quarterly figures.
What were CZWI's earnings last quarter?
CZWI's most recent reported quarter was Q4 2025. Net income was $4M with diluted EPS of $0.44. For a full breakdown of all quarters, see the quarterly earnings table on this page.