For the quarter ending 2026-03-31, CZWI had $30,349K increase in cash & cash equivalents over the period. $3,406K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income attributable to common stockholders | 3,755 | 4,271 | 3,682 | 6,467 |
| Net accretion on debt securities | 27 | 26 | 20 | 18 |
| Depreciation expense | 474 | 480 | 505 | 1,044 |
| Provision for credit losses | - | - | 650 | 1,100 |
| Provision (provision reversal) for credit losses | 750 | 359 | - | - |
| Stock based compensation expense | - | - | 33 | 102 |
| Net losses (gains) on equity securities | -59 | 191 | -66 | 109 |
| Increase in mortgage servicing rights resulting from transfers of financial assets | -151 | -134 | -145 | -173 |
| Mortgage servicing rights amortization | 161 | 172 | 161 | 288 |
| Amortization of intangible assets | 113 | 113 | 113 | 358 |
| Stock based compensation expense | 4 | 146 | - | - |
| Decrease (increase) in deferred income taxes | 118 | -525 | -381 | -152 |
| Proceeds from insurance claim on foreclosed and repossessed assets | - | 0 | 0 | 0 |
| Increase in cash surrender value of life insurance | 220 | 208 | 206 | 392 |
| Net loss from disposals of foreclosed and repossessed assets | 0 | 0 | 4 | 11 |
| Provision for valuation allowance on foreclosed properties | 0 | 33 | 0 | 15 |
| Gain on sale of loans held for sale, net | 1,021 | 514 | 992 | 1,419 |
| Proceeds from sale of loans held for sale | 24,323 | 15,975 | 30,763 | 37,074 |
| Originations of loans held for sale | 19,002 | 15,069 | 29,054 | 40,389 |
| Amortization of debt issuance costs | 40 | 47 | 40 | 116 |
| Accrued interest receivable and other assets | 2,121 | 5,837 | -128 | -423 |
| Other liabilities | -3,279 | 5,057 | 1,292 | -3,117 |
| Total adjustments | 221 | -416 | 2,949 | -5,260 |
| Net cash from operating activities | 3,976 | 3,855 | 6,631 | 1,207 |
| Proceeds from bank owned life insurance (boli) death benefit | - | 0 | 0 | 0 |
| Purchase of available for sale securities | 750 | 3,000 | 5,001 | 1,948 |
| Proceeds from principal payments and maturities of available for sale securities | -8,001 | - | 2,577 | 8,874 |
| Proceeds from calls of available for sale securities | 880 | 14,561 | - | - |
| Proceeds from disposal of office properties and equipment | - | 0 | 0 | 0 |
| Proceeds from calls of available-for-sale securities | - | 4,500 | 1,750 | 3,200 |
| Proceeds from principal payments and maturities of held to maturity securities | 1,194 | 1,313 | 1,501 | 2,468 |
| Equity investment capital distribution | 77 | 197 | 0 | 0 |
| Purchase of equity investments | 274 | 270 | 0 | 930 |
| Net sales of other investments | -8 | 37 | -9 | -121 |
| Proceeds from sales of foreclosed and repossessed assets | 0 | 21 | 6 | 43 |
| Net (increase) decrease in loans | 18,112 | 17,296 | -22,777 | -23,032 |
| Net capital expenditures | 570 | 593 | 392 | 326 |
| Net cash from investing activities | -14,097 | -12,055 | 23,227 | 34,534 |
| Change in short term in federal home loan bank advances, net | - | 0 | 0 | 0 |
| Federal home loan bank advance call payments | - | 0 | 0 | 0 |
| Federal home loan bank advance long-term maturities | 0 | 0 | 0 | 5,000 |
| Proceeds from other borrowings, net of origination costs | - | 4,995 | - | - |
| Repurchase shares of common stock | - | 4,036 | 2,019 | 0 |
| Other borrowings principal reductions | - | 0 | 15,000 | 0 |
| Net increase in deposits | 41,523 | 43,545 | 2,138 | -9,732 |
| Surrender of restricted shares of common stock | 89 | 0 | 0 | 190 |
| Common stock options exercised | 47 | 118 | 0 | 61 |
| Cash dividends paid | 1,011 | 0 | 0 | 3,598 |
| Net cash from financing activities | 40,470 | 44,622 | -14,881 | -18,459 |
| Net increase in cash and cash equivalents | 30,349 | 36,422 | 14,977 | 17,282 |
| Cash and cash equivalents at beginning of period | 118,853 | 82,431 | 50,172 | - |
| Cash and cash equivalents at end of period | 149,202 | 118,853 | 82,431 | - |
Citizens Community Bancorp Inc. (CZWI)
Citizens Community Bancorp Inc. (CZWI)