Citizens Community Bancorp, Inc.

CZWINASDAQFinancial Services● Active

$20.60

$-0.15(-0.72%)

Market Cap$198668707

P/E Ratio—

52W High$22.62

52W Low$12.83

Avg Volume39K

Open$20.74

Beta0.53

Free Cash Flow Financials Revenue

Citizens Community Bancorp, Inc. (CZWI) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

CZWI · free cash flow · updated Jun 9, 2026

Core FCF metrics

CZWI · FCF · TTM · margin & CAGR

Free cash flow was $10.4M for FY2025 (fiscal year ending 2025-12-31), down 46.2% year-over-year The FCF margin was 11.5%. Five-year CAGR stands at -13.3%.

FY2025 Free Cash Flow$10.4M▼ -46.2% YoY

Trailing 12M (TTM)$13.1Mtrailing 4 quarters sum

FCF Margin11.5%$10.4M ÷ revenue

3-Year CAGR-26.1%FY2022 → FY2025

5-Year CAGR-13.3%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 9, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

CZWI · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$11.7M(1M)$10.4M▼ 46.2%11.5%

FY2024$20.2M(1M)$19.3M▲ +64.0%19.4%

FY2023$13.1M(1M)$11.8M▼ 54.2%12.4%

FY2022$29.3M(4M)$25.7M▲ +44.1%32.0%

FY2021$21.6M(4M)$17.8M▼ 16.0%22.3%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

CZWI · P/FCF · FCF yield · FCF per share

Citizens Community Bancorp, Inc. (CZWI) trades at a FCF yield of 6.59% and a price-to-free-cash-flow ratio of 15.3x. FCF per share stands at $1.35, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

6.59%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$1.35

TTM FCF ÷ Shares Outstanding

Price / FCF

x15.3

Share Price ÷ FCF per Share

EV / FCF (TTM)

x7.8

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

CZWI · cash flow statement · operating / investing / financing

For FY2025, Citizens Community Bancorp, Inc. generated $11.7M in operating cash flow and spent 1M in capital expenditures, yielding $10.4M in free cash flow.

Operating Activities

+$11.7M

Cash from core business operations

2025-12-31

Investing Activities

+$45.7M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$11.3M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($11.7M) − |CapEx| (1M) = FCF ($10.4M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

CZWI vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Citizens Community Bancorp, Inc.YOU

CZWI

$10.4M-46.2%11.5%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Citizens Community Bancorp, Inc. (CZWI) reported free cash flow of $10.4M for FY2025 (fiscal year ending 2025-12-31), down 46.2% year-over-year. The FCF margin was 11.5%.

Based on available data, Citizens Community Bancorp, Inc. has maintained positive free cash flow for at least 15 fiscal year(s). FCF peaked at $25.7M in FY2022. The 5-year CAGR stands at -13.3%.

Citizens Community Bancorp, Inc.'s FCF yield is 6.59% and price-to-FCF ratio is 15.3x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

CZWI free cash flow · 8 questions

Citizens Community Bancorp, Inc. free cash flow was $10.4M for FY2025, down 46.2% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $13.1M.

CZWI free cash flowCZWI FCFCZWI FCF 2025CZWI free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Citizens Community Bancorp, Inc. · Citizens Community Bancorp, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 9, 2026