Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income | $2.57M | $2.50M | $4.28M | $9.46M | $12.7M | $21.3M | $17.8M | $13.1M | $13.8M | $14.4M |
| EPS (diluted) | $0.49 | $0.46 | $0.58 | $0.85 | $1.14 | $1.98 | $1.69 | $1.25 | $1.34 | $1.46 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $5.70M | $1.91M | $10.9M | $12.8M | $23.8M | $21.6M | $29.3M | $13.1M | $20.4M | $11.7M |
| Capital expenditures | $961K | $609K | $2.96M | $6.77M | $2.57M | $3.78M | $3.60M | $1.37M | $889K | $1.31M |
| Free cash flow | $4.74M | $1.30M | $7.90M | $6.07M | $21.2M | $17.8M | $25.7M | $11.8M | $19.5M | $10.4M |
| Share buybacks | — | $16.0K | $1.00K | $0.00 | $2.82M | $7.95M | $1.76M | $421K | $6.10M | $6.05M |
| Dividends paid | $629K | $842K | $1.18M | $2.20M | $2.37M | $2.51M | $2.74M | $3.04M | $3.35M | $3.60M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $10.0M | $41.7M | $45.8M | $55.8M | $119M | $47.7M | $35.4M | $37.1M | $50.2M | $119M |
| Total assets | $696M | $941M | $1.29B | $1.53B | $1.65B | $1.74B | $1.82B | $1.85B | $1.75B | $1.78B |
| Total liabilities | $631M | $867M | $1.15B | $1.38B | $1.49B | $1.57B | $1.65B | $1.68B | $1.57B | $1.59B |
| Long-term debt | $70.3M | $120M | $87.6M | — | — | — | — | — | $66.6M | $51.8M |
| Shareholders' equity | $64.5M | $73.5M | $138M | $151M | $161M | $171M | $167M | $173M | $179M | $188M |
| Retained earnings | $9.11M | $10.8M | $15.3M | $22.5M | $32.8M | $50.7M | $65.4M | $71.1M | $80.8M | $90.0M |
| Shares (wtd avg diluted) | 5.24M | 5.38M | 7.34M | 11.1M | 11.2B | 10.7B | 10.5M | 10.5M | 10.3M | 9.91M |
Every figure is extracted from Citizens Community Bancorp Inc.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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