CITIZENS COMMUNITY BANCORP, INC. (CZWI)

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CITIZENS COMMUNITY BANCORP, INC.

CZWI • CIK 0001367859

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Interest and Fee Income, Loans and Leases	$73,577	$79,738	$77,500	$76,884
Interest Income, Securities, Operating, Taxable	$10,671	$9,877	$10,130	$10,691
Interest and Dividend Income, Operating	$84,248	$89,615	$87,630	$87,575
Interest Income (Expense), Net	$48,349	$46,474	$51,184	$52,793
Financing Receivable, Credit Loss, Expense (Reversal)	$-475	$-3,175	$1,950	$5,925
Interest Income (Expense), after Provision for Loan Loss	$48,824	$49,649	$49,234	$46,868
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	$18,932	$17,450	$17,441	$15,289
Income Tax Expense (Benefit)	$5,873	$3,699	$3,021	$2,479
Net Income (Loss) Attributable to Parent	$13,059	$13,751	$14,420	$12,810
Interest Expense, Deposits	$25,749	$37,985	$33,102	$31,828
Interest Expense, Borrowings	$5,966	$1,281	$13	$2
Interest Expense, Other	$4,184	$3,875	$3,331	$2,952
InterestExpenseOperating	—	$43,141	$36,446	$34,782
Fees and Commissions, Mortgage Banking and Servicing	$2,218	$2,271	$2,366	$2,496
Gain (Loss) on Sale of Mortgage Loans	$1,692	$2,216	$2,925	$2,969
Equity Securities, FV-NI, Gain (Loss)	$459	$-856	$234	$226
Bank Owned Life Insurance Income	—	$184	$0	$0
Noninterest Income, Other Operating Income	$1,176	$1,125	$993	$1,154
Noninterest Income	$10,250	$10,107	$11,143	$11,420
Labor and Related Expense	$21,106	$22,741	$23,875	$24,048
Occupancy, Net	$5,431	$5,159	$4,975	$5,010
Information Technology and Data Processing	$5,951	$6,530	$6,775	$6,022
Amortization of Intangible Assets	$755	$715	$584	$452
Advertising Expense	$734	$793	$906	$978
Federal Deposit Insurance Corporation Premium Expense	$812	$798	$773	$815
Professional Fees	$1,524	$1,763	$1,777	$1,956
Gain (Loss) on Disposition of Assets	$-62	$-294	$-33	$-17
Other Noninterest Expense	$3,152	$2,979	$2,617	$3,034
Noninterest Expense	$40,142	$42,306	$42,936	$42,999
Weighted Average Number of Shares Outstanding, Basic	10,469,000	10,257,000	9,899,000	9,544,000
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	40	20	0	0
Incremental Common Shares Attributable to Dilutive Effect of Call Options and Warrants	1,000	6,000	8,000	2,000
Weighted Average Number of Shares Outstanding, Diluted	10,470,000	10,263,000	9,907,000	9,546,000
Share-based Payment Arrangement, Option, Exercise Price Range, Shares Outstanding	—	20,000	0	0

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Cash and Cash Equivalents, at Carrying Value	$37,138	$50,172	$118,853	$121,762
DebtSecuritiesAvailableForSaleExcludingAccruedInterest	$155,743	$142,851	$134,103	$128,435
DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss	$91,229	$85,504	$80,210	$77,415
Equity Securities, FV-NI	$3,284	$4,702	$5,840	$6,287
Other Investments	$15,725	$12,500	$12,506	$12,485
FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss	$1,460,792	$1,368,981	$1,340,325	$1,382,975
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestNoncurrent	$22,908	$20,549	$22,401	$25,899
FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss	$1,437,884	$1,348,432	$1,317,924	$1,357,076
Financing Receivable, Held-for-Sale	$5,773	$1,329	$4,954	$941
Property, Plant and Equipment, Net	$18,373	$17,075	$16,357	$17,441
Accrued Investment Income Receivable	$5,409	$5,653	$6,126	$6,180
Intangible Assets, Net (Excluding Goodwill)	$1,694	$979	$395	$169
Goodwill	$31,498	$31,498	$31,498	$31,498
Repossessed Assets	$1,795	$915	$857	$850
Bank Owned Life Insurance	$25,647	$26,102	$26,908	$27,342
Other Assets	$16,334	$17,144	$21,730	$22,975
Assets	$1,851,391	$1,748,519	$1,781,755	$1,814,309
Deposits	$1,519,092	$1,488,148	$1,524,099	$1,554,417
Other Borrowings	$67,465	$61,606	$51,804	$51,885
Other Liabilities	$11,970	$14,681	$17,913	$16,659
Liabilities	$1,678,057	$1,569,435	$1,593,816	$1,622,961
Common Stock, Value, Issued	$104	$100	$96	$97
Additional Paid in Capital, Common Stock	$119,441	$114,564	$110,315	$110,454
Retained Earnings (Accumulated Deficit)	$71,117	$80,840	$89,995	$92,820
Accumulated Other Comprehensive Income (Loss), Net of Tax	$-17,328	$-16,420	$-12,467	$-12,023
Stockholders' Equity Attributable to Parent	$173,334	$179,084	$187,939	$191,348
DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss	$179,744	$165,604	$151,618	$145,282
Debt Securities, Available-for-sale, Allowance for Credit Loss	$0	$0	$0	$0
Debt Securities, Held-to-maturity, Fair Value	$73,262	$65,622	$64,117	$61,481
Common Stock, Shares Authorized	30,000,000	30,000,000	30,000,000	30,000,000
Common Stock, Shares, Issued	10,440,591	9,981,996	9,617,245	9,650,231

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Net Income (Loss) Attributable to Parent	$13,059	$13,751	$14,420	$12,810
Net Cash Provided by (Used in) Operating Activities	$13,124	$20,176	$11,693	$22,376
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect	$1,775	$13,034	$68,681	$54,308
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents	$37,138	$50,172	$118,853	$167,856
Accretion (Amortization) of Discounts and Premiums, Investments	$64	$78	$64	$98
Proceeds from Life Insurance Policy	—	$499	$0	$0
Depreciation	$2,371	$2,174	$2,029	$1,946
Payments to Acquire Debt Securities, Available-for-sale	$11,007	$0	$9,949	$12,310
FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal	$-188	—	$1,950	$6,218
Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale	$16,594	$14,842	$14,561	$14,484
Equity Securities, FV-NI, Realized Gain (Loss)	$447	$-856	$234	$226
Servicing Asset at Amortized Cost, Other Changes that Affect Balance, Amount	$-218	$-332	$-452	$-572
Proceeds from Sale and Maturity of Held-to-maturity Securities	$5,134	$5,707	$5,282	$5,602
Proceeds from Equity Method Investment, Distribution, Return of Capital	$132	$276	$197	$275
Amortization of Intangible Assets	$755	$715	$584	$452
Payments to Acquire Equity Method Investments	$1,350	$450	$1,200	$694
Share-based Payment Arrangement, Noncash Expense	—	—	$146	$56
Life Insurance, Corporate or Bank Owned, Change in Value	$693	$954	$806	$848
Payments for (Proceeds from) Loans and Leases	$48,298	$-92,317	$-28,513	$38,746
Payments to Acquire Property, Plant, and Equipment	$1,367	$889	$1,311	$3,030
Gain (Loss) on Sales of Loans, Net	$1,692	$2,216	$2,925	$2,969
Proceeds from Sale of Property, Plant, and Equipment	$12	$13	$0	$0
Proceeds from Sale of Loans Held-for-sale	$46,907	$60,347	$83,812	$89,660
Net Cash Provided by (Used in) Investing Activities	$-34,205	$113,739	$45,706	$-26,223
Payments for Origination and Purchases of Loans Held-for-sale	$50,988	$53,687	$84,512	$81,569
Amortization of Debt Issuance Costs	—	—	$203	$168
Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities	$65	$6,425	$-2,727	$9,566
Proceeds from Other Debt	$0	—	$4,995	$4,995
Repayments of Other Debt	$5,167	$6,083	$15,000	$15,000
Increase (Decrease) in Deposits	$94,361	$-30,952	$35,951	$76,001
Payments for Repurchase of Common Stock	$421	$6,097	$6,055	$6,073
Payment, Tax Withholding, Share-based Payment Arrangement	$129	$119	$190	$89
Proceeds from Stock Options Exercised	$28	$22	$179	$345
Payments of Ordinary Dividends, Common Stock	—	—	$3,598	$2,024
Net Cash Provided by (Used in) Financing Activities	$22,856	$-120,881	$11,282	$58,155
Real Estate Owned, Transfer from Real Estate Owned	$158	$274	$0	$0
Increase (Decrease) in Other Operating Assets	$-54	$1,775	$5,286	$6,670
Increase (Decrease) in Other Operating Liabilities	$794	$2,711	$3,232	$5,095
Interest Paid, Excluding Capitalized Interest, Operating Activities	$23,353	$34,446	$34,995	$35,659
Interest Paid, Capitalized, Investing Activities	$10,180	$5,116	$3,614	$3,361
Income Taxes Paid	$3,977	$2,318	$2,065	$1,082
Payments of Dividends	$3,040	$3,346	—	$3,346

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Import this data to Google Sheets with:

=jivedata("CZWI","financials")

Full statements spill as a table. For one cell: =jivedata("CZWI","Revenue") or =jivedata("CZWI","Revenue","TTM"). Install the Jive Data add-on, then paste into a cell.