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Citizens Community Bancorp Inc. key statistics and ratios

In fiscal 2025, Citizens Community Bancorp Inc. had return on equity of 7.9% and a net margin of 23.1%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2009Sept 20092010Sept 20102011Sept 20112012Sept 20122013Sept 20132014Sept 20142015Sept 20152016Sept 20162017Sept 20172018Sept 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin−28.9%−46.0%0.8%0.9%4.7%10.8%12.5%10.7%9.2%11.4%16.2%18.5%30.6%26.6%22.3%24.3%23.1%19.9%
Return on equity−5.7%−13.5%0.4%0.4%1.9%4.5%4.7%4.1%3.6%4.1%6.6%8.2%12.8%10.5%7.7%7.8%7.9%6.8%
Return on assets—−1.2%0.0%0.0%0.2%0.4%0.5%0.4%0.3%0.4%0.8%0.8%1.3%1.0%0.7%0.8%0.8%0.7%
Effective tax rate——41.5%43.9%37.8%37.9%36.5%33.3%34.6%35.2%22.9%26.4%26.6%24.7%31.0%21.2%17.3%16.2%
Dividends ÷ net income——0.0%0.0%9.8%8.3%14.9%24.4%33.7%27.6%23.2%18.6%11.8%15.4%23.3%24.3%25.0%15.8%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: Medium.

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: CZWI vs VABKCBNA vs CZWICFBK vs CZWI

More: Regional Banks stocks compared, Financials sector, rankings of US companies

Figures from Citizens Community Bancorp Inc.'s SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Citizens Community Bancorp Inc.