Citizens Historical Income Statement

CZWI Stock

USD 16.49 0.29 1.73%

Historical analysis of Citizens Community income statement accounts such as Total Revenue of 61.5 M, Gross Profit of 98.5 M or Other Operating Expenses of 36.5 M can show how well Citizens Community Bancorp performed in making a profits. Evaluating Citizens Community income statement over time to spot trends is a great complementary tool to traditional technical analysis and can indicate the direction of Citizens Community's future profits or losses.

Cash Flow Balance Sheet Income Statement

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Financial Statement Analysis is much more than just reviewing and examining Citizens Community latest accounting reports to predict its past. Macroaxis encourages investors to analyze financial statements over time for various trends across multiple indicators and accounts to determine whether Citizens Community is a good buy for the upcoming year.

Net Income Gross Profit

Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Citizens Community Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in housing.

About Citizens Income Statement Analysis

Citizens Community Income Statement consists of revenues and expenses along with the resulting net income or loss. It represents the profit for the accounting period attributable to Citizens Community shareholders. The income statement also shows Citizens investors and management if the firm made money during the period reported. The result of an income statement is the net income that is calculated after subtracting the expenses from revenue. It is essential to investors both as an absolute measure as well as earnings per share (i.e., EPS).

Citizens Community Income Statement Chart

As of now, Citizens Community's Other Operating Expenses is increasing as compared to previous years. The Citizens Community's current Operating Income is estimated to increase to about 25.5 M, while EBIT is projected to decrease to under 11.6 M.

Total Revenue Gross Profit Other Operating Expenses Operating Income Ebit

Total Revenue

Total revenue comprises all receipts Citizens Community generated from the sale of its products or services. The total amount of income generated by the sale of goods or services related to the company's primary operations.

Gross Profit

Gross profit is a required income statement account that reflects total revenue of Citizens Community Bancorp minus its cost of goods sold. It is profit before Citizens Community operating expenses, interest payments and taxes. Gross profit is also known as gross margin. The profit a company makes after deducting the costs associated with making and selling its products, or the costs associated with providing its services.

Other Operating Expenses

Other Operating Expenses is the expense which generally does not depend on sales or production quantities of Citizens Community. It is also known as Citizens Community overhead expenses. Typically these expenses include marketing, rent and utilities, office, leases, and other overhead cost. Expenses incurred from non-core business activities, including administrative and general expenses, but excluding costs directly related to production.

Operating Income

Operating Income is the amount of profit realized from Citizens Community operations after accounting for operating expenses such as cost of goods sold (COGS), wages and depreciation. Operating income takes the gross income and subtracts other operating expenses and then removes depreciation. Operating Income of Citizens Community Bancorp is typically a synonym for earnings before interest and taxes (EBIT) and is also commonly referred to as operating profit or recurring profit. Earnings before interest and taxes (EBIT), representing the amount of profit a company generates from its operations.

Most accounts from Citizens Community's income statement are interrelated and interconnected. However, analyzing income statement accounts one by one will only give a small insight into Citizens Community current financial condition. On the other hand, looking into the entire matrix of income statement accounts, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Citizens Community Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in housing.

	2021	2022	2023	2024 (projected)
Total Revenue	69.7M	67.2M	58.5M	61.5M
Interest Expense	10.4M	13.0M	35.9M	37.7M

Total Revenue Interest Expense

Citizens Community income statement Correlations

	Interest Expense	Total Revenue	Gross Profit	Other Operating Expenses	Operating Income	Ebit	Ebitda	Total Operating Expenses	Income Before Tax	Total Other Income Expense Net	Net Income	Income Tax Expense	Depreciation And Amortization	Selling General Administrative	Cost Of Revenue	Selling And Marketing Expenses	Net Income From Continuing Ops	Tax Provision	Net Interest Income	Interest Income	Non Operating Income Net Other	Reconciled Depreciation	Extraordinary Items
Interest Expense		0.63	0.86	0.55	0.58	0.32	0.37	0.64	0.61	-0.03	0.58	0.67	0.74	0.43	-0.66	0.34	0.45	0.59	0.63	0.77	-0.89	0.57	0.88
Total Revenue	0.63		0.93	0.73	0.85	0.87	0.88	-0.05	0.89	0.18	0.9	0.86	0.84	0.76	-0.9	0.71	0.89	0.85	0.9	0.86	-0.38	0.62	0.37
Gross Profit	0.86	0.93		0.71	0.82	0.71	0.73	0.29	0.85	0.08	0.84	0.87	0.85	0.64	-0.86	0.57	0.76	0.82	0.85	0.89	-0.68	0.62	0.67
Other Operating Expenses	0.55	0.73	0.71		0.32	0.54	0.55	-0.22	0.58	0.42	0.57	0.58	0.57	0.59	-0.7	0.56	0.6	0.53	0.59	0.62	-0.35	0.8	0.35
Operating Income	0.58	0.85	0.82	0.32		0.84	0.85	0.2	0.92	0.07	0.92	0.9	0.83	0.65	-0.81	0.61	0.83	0.9	0.89	0.83	-0.4	0.29	0.39
Ebit	0.32	0.87	0.71	0.54	0.84		1.0	-0.24	0.9	0.31	0.91	0.86	0.76	0.78	-0.8	0.7	0.9	0.91	0.87	0.78	-0.05	0.44	0.17
Ebitda	0.37	0.88	0.73	0.55	0.85	1.0		-0.21	0.91	0.32	0.92	0.87	0.81	0.82	-0.83	0.73	0.92	0.93	0.9	0.82	-0.07	0.48	0.2
Total Operating Expenses	0.64	-0.05	0.29	-0.22	0.2	-0.24	-0.21		0.03	-0.39	0.0	0.13	0.21	-0.23	0.04	-0.35	-0.21	0.08	0.01	0.17	-0.77	-0.11	0.77
Income Before Tax	0.61	0.89	0.85	0.58	0.92	0.9	0.91	0.03		0.36	1.0	0.99	0.9	0.79	-0.93	0.77	0.93	0.97	0.96	0.9	-0.39	0.49	0.39
Total Other Income Expense Net	-0.03	0.18	0.08	0.42	0.07	0.31	0.32	-0.39	0.36		0.37	0.35	0.24	0.37	-0.3	0.43	0.45	0.38	0.28	0.21	0.13	0.06	-0.12
Net Income	0.58	0.9	0.84	0.57	0.92	0.91	0.92	0.0	1.0	0.37		0.98	0.9	0.8	-0.93	0.78	0.94	0.97	0.97	0.9	-0.35	0.49	0.35
Income Tax Expense	0.67	0.86	0.87	0.58	0.9	0.86	0.87	0.13	0.99	0.35	0.98		0.89	0.77	-0.9	0.72	0.89	0.96	0.93	0.9	-0.49	0.49	0.48
Depreciation And Amortization	0.74	0.84	0.85	0.57	0.83	0.76	0.81	0.21	0.9	0.24	0.9	0.89		0.8	-0.89	0.67	0.81	0.9	0.95	0.93	-0.48	0.64	0.47
Selling General Administrative	0.43	0.76	0.64	0.59	0.65	0.78	0.82	-0.23	0.79	0.37	0.8	0.77	0.8		-0.83	0.89	0.88	0.78	0.87	0.85	-0.06	0.67	0.21
Cost Of Revenue	-0.66	-0.9	-0.86	-0.7	-0.81	-0.8	-0.83	0.04	-0.93	-0.3	-0.93	-0.9	-0.89	-0.83		-0.85	-0.91	-0.88	-0.97	-0.95	0.39	-0.7	-0.4
Selling And Marketing Expenses	0.34	0.71	0.57	0.56	0.61	0.7	0.73	-0.35	0.77	0.43	0.78	0.72	0.67	0.89	-0.85		0.88	0.68	0.81	0.76	-0.03	0.59	0.08
Net Income From Continuing Ops	0.45	0.89	0.76	0.6	0.83	0.9	0.92	-0.21	0.93	0.45	0.94	0.89	0.81	0.88	-0.91	0.88		0.9	0.92	0.87	-0.15	0.5	0.23
Tax Provision	0.59	0.85	0.82	0.53	0.9	0.91	0.93	0.08	0.97	0.38	0.97	0.96	0.9	0.78	-0.88	0.68	0.9		0.94	0.9	-0.34	0.45	0.43
Net Interest Income	0.63	0.9	0.85	0.59	0.89	0.87	0.9	0.01	0.96	0.28	0.97	0.93	0.95	0.87	-0.97	0.81	0.92	0.94		0.96	-0.34	0.64	0.38
Interest Income	0.77	0.86	0.89	0.62	0.83	0.78	0.82	0.17	0.9	0.21	0.9	0.9	0.93	0.85	-0.95	0.76	0.87	0.9	0.96		-0.45	0.68	0.59
Non Operating Income Net Other	-0.89	-0.38	-0.68	-0.35	-0.4	-0.05	-0.07	-0.77	-0.39	0.13	-0.35	-0.49	-0.48	-0.06	0.39	-0.03	-0.15	-0.34	-0.34	-0.45		-0.31	-0.8
Reconciled Depreciation	0.57	0.62	0.62	0.8	0.29	0.44	0.48	-0.11	0.49	0.06	0.49	0.49	0.64	0.67	-0.7	0.59	0.5	0.45	0.64	0.68	-0.31		0.35
Extraordinary Items	0.88	0.37	0.67	0.35	0.39	0.17	0.2	0.77	0.39	-0.12	0.35	0.48	0.47	0.21	-0.4	0.08	0.23	0.43	0.38	0.59	-0.8	0.35

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Citizens Community Account Relationship Matchups

Citizens Community income statement Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Interest Expense	16.9M	14.3M	10.4M	13.0M	35.9M	37.7M
Total Revenue	56.3M	68.4M	69.7M	67.2M	58.5M	61.5M
Gross Profit	56.3M	68.4M	69.7M	67.2M	93.8M	98.5M
Other Operating Expenses	44.0M	51.1M	40.7M	1.0M	34.7M	36.5M
Operating Income	12.3M	17.3M	29.0M	39.2M	24.3M	25.5M
Ebit	12.3M	22.9M	29.2M	23.8M	18.3M	11.6M
Ebitda	14.9M	26.5M	33.0M	27.6M	22.1M	12.9M
Total Operating Expenses	(44.0M)	(51.1M)	(40.7M)	1.0M	58.5M	61.5M
Income Before Tax	12.3M	17.3M	29.0M	23.6M	18.9M	19.9M
Total Other Income Expense Net	12.3M	(8.0M)	29.0M	(15.6M)	(5.4M)	(5.7M)
Net Income	9.5M	12.7M	21.3M	17.8M	13.1M	13.7M
Income Tax Expense	2.8M	4.6M	7.7M	5.8M	5.9M	6.2M
Depreciation And Amortization	2.6M	3.6M	3.9M	3.8M	3.7M	3.9M
Selling General Administrative	22.8M	25.1M	23.3M	22.6M	21.9M	13.5M
Net Income Applicable To Common Shares	9.5M	12.7M	21.3M	17.8M	20.4M	21.4M
Selling And Marketing Expenses	1.2M	967K	986K	1.0M	734K	582.5K
Net Income From Continuing Ops	15.1M	12.7M	21.3M	17.8M	13.1M	8.2M
Tax Provision	2.8M	4.6M	7.7M	5.8M	5.9M	4.4M
Net Interest Income	43.5M	50.3M	53.7M	56.4M	48.3M	44.7M
Interest Income	60.4M	64.5M	64.0M	69.4M	84.2M	59.7M
Reconciled Depreciation	4.2M	6.6M	1.6M	1.4M	3.7M	3.3M

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When determining whether Citizens Community offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Citizens Community's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Citizens Community Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Citizens Community Bancorp Stock:

How To Invest In Citizens

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Is Citizens Stock a good investment?

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What is Citizens Community's Net Worth?

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Largest Regional Banks Companies

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Largest Banks - Regional Companies

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You can also try the Performance Analysis module to check effects of mean-variance optimization against your current asset allocation.

Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Citizens Community. If investors know Citizens will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Citizens Community listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

0.341

Dividend Share

0.32

Earnings Share

1.43

Revenue Per Share

5.816

Quarterly Revenue Growth

(0.03)

The market value of Citizens Community is measured differently than its book value, which is the value of Citizens that is recorded on the company's balance sheet. Investors also form their own opinion of Citizens Community's value that differs from its market value or its book value, called intrinsic value, which is Citizens Community's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Citizens Community's market value can be influenced by many factors that don't directly affect Citizens Community's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between Citizens Community's value and its price as these two are different measures arrived at by different means. Investors typically determine if Citizens Community is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Citizens Community's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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Citizens Historical Income Statement

About Citizens Income Statement Analysis

Citizens Community Income Statement Chart

Total Revenue

Gross Profit

Other Operating Expenses

Operating Income

Citizens Community income statement Correlations

Citizens Community Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Citizens Community income statement Accounts

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Ebitda	+ 1.0	Ebit
Net Income	+ 1.0	Income Before Tax
Income Tax Expense	+ 0.99	Income Before Tax
Income Tax Expense	+ 0.98	Net Income
Tax Provision	+ 0.97	Income Before Tax
Tax Provision	+ 0.97	Net Income

Net Interest Income	- 0.97	Cost Of Revenue
Interest Income	- 0.95	Cost Of Revenue
Cost Of Revenue	- 0.93	Net Income
Cost Of Revenue	- 0.93	Income Before Tax
Net Income From Continuing Ops	- 0.91	Cost Of Revenue
Cost Of Revenue	- 0.9	Income Tax Expense