Demonstrações financeiras detalhadas de Citizens Community Bancorp, Inc. (CZWI): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Citizens Community Bancorp, Inc. registou receitas de $90.1M no último exercício, com um CAGR de 5 anos de 1.7%. O lucro líquido atingiu $14.4M, com CAGR de 5 anos de 2.5%.
Margens dos últimos 12 meses: margem bruta 55.7%, margem operacional 1.8%, margem líquida 14.6%. O fluxo de caixa livre cresceu a CAGR de -13.3% em 5 anos.
Ao preço atual de $21.48, CZWI negocia a um P/L de 16.42 e um ROE de 6.77%. A capitalização de mercado é de $207M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $29.0M | $32.3M | $2.7M | $73.2M | $82.7M | $80.1M | $80.2M | $94.4M | $99.4M | $90.1M |
| Custo da Receita | $5.1M | $5.9M | 0 | $20.4M | $22.0M | $10.4M | $14.5M | $35.4M | $40.0M | $40.8M |
| Lucro Bruto | $23.9M | $26.4M | $2.7M | $52.8M | $60.6M | $69.7M | $65.7M | $59.0M | $59.5M | $49.2M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $12.2M | $12.9M | $26.8M | $24.0M | $23.8M | $24.3M | $23.6M | $22.7M | $24.3M | $26.5M |
| Despesas Operacionais | $20.1M | $22.6M | $26.8M | $40.5M | $43.4M | $40.7M | $42.1M | $40.1M | $42.0M | $42.9M |
| Lucro Operacional | $3.9M | $3.8M | $7.3M | $12.3M | $17.3M | $29.0M | $23.6M | $18.9M | $17.4M | $6.3M |
| EBITDA | $5.0M | $4.9M | $9.1M | $16.4M | $23.9M | $33.0M | $27.6M | $22.7M | $20.9M | $8.9M |
| Despesas com Juros | $5.0M | $5.6M | $8.6M | $16.9M | $14.3M | $10.4M | $13.0M | $35.9M | $43.1M | $39.1M |
| Lucro Antes de Impostos | $3.9M | $3.8M | $7.3M | $12.3M | $17.3M | $29.0M | $23.6M | $18.9M | $17.4M | $17.4M |
| Imposto | $1.3M | $1.3M | $2.2M | $2.8M | $4.6M | $7.7M | $5.8M | $5.9M | $3.7M | $3.0M |
| Lucro Líquido | $2.6M | $2.5M | $5.0M | $9.5M | $12.7M | $21.3M | $17.8M | $13.1M | $13.8M | $14.4M |
| LPA | $0.59 | $0.47 | $0.39 | $0.85 | $1.14 | $1.98 | $1.69 | $1.25 | $1.34 | $1.46 |
| LPA Diluído | $0.59 | $0.46 | $0.38 | $0.85 | $1.14 | $1.98 | $1.69 | $1.25 | $1.34 | $1.46 |
| Ações em Circulação (Diluídas) | $5.3M | $5.4M | $11.1M | $11.1M | $11.2M | $10.7M | $10.5M | $10.5M | $10.2M | $9.7M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $25.3M | $15.8M | $24.5M | $22.0M |
| Lucro Bruto | $15.6M | $4.4M | $15.2M | $13.5M |
| Lucro Operacional | $4.5M | -$6.2M | $4.6M | -$1.4M |
| EBITDA | $5.3M | -$6.1M | $5.4M | -$1.3M |
| Lucro Líquido | $3.7M | $4.3M | $3.8M | $1.1M |
| LPA | $0.37 | $0.44 | $0.39 | $0.11 |
| LPA Diluído | $0.37 | $0.44 | $0.39 | $0.11 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $21.2M | $49.8M | $53.2M | $60.6M | $123.2M | $49.2M | $35.6M | $37.1M | $50.2M | $118.9M |
| Investimentos de Curto Prazo | $81.1M | $95.9M | $146.7M | $180.1M | 0 | $140000 | 0 | $73.5M | $72.9M | $68.8M |
| Contas a Receber | $2.1M | $3.3M | $4.3M | $4.7M | $5.7M | $3.9M | $5.3M | $5.4M | $5.7M | $6.1M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $104.4M | $149.0M | $204.3M | $245.4M | $128.8M | $53.3M | $40.9M | $116.0M | $128.7M | $193.8M |
| Imobilizado | $5.2M | $9.6M | $13.5M | $21.1M | $21.2M | $21.2M | $20.5M | $18.4M | $17.1M | $16.4M |
| Ágio | $4.7M | $10.4M | $31.5M | $31.5M | $31.5M | $31.5M | $31.5M | $31.5M | $31.5M | $31.5M |
| Ativos Intangíveis | $829000 | $7.3M | $12.0M | $11.9M | $8.7M | $8.1M | $6.7M | $5.6M | $4.6M | $3.9M |
| Ativos Totais | $686.4M | $940.7M | $1.29B | $1.53B | $1.65B | $1.74B | $1.82B | $1.85B | $1.75B | $1.78B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | $59.3M | $90.0M | $109.8M | $131.0M | $123.5M | $111.5M | $142.5M | $79.5M | $5.0M | 0 |
| Passivos Circulantes | $617.0M | $832.5M | $1.12B | $1.33B | $1.42B | $1.50B | $1.57B | $1.60B | $1.49B | $1.52B |
| Dívida de Longo Prazo | $11.0M | $30.3M | $24.6M | $43.6M | $58.3M | $58.4M | $72.4M | $67.5M | $61.6M | $51.8M |
| Passivos Totais | $622.6M | $867.2M | $1.15B | $1.38B | $1.49B | $1.57B | $1.65B | $1.68B | $1.57B | $1.59B |
| Reservas | $10.0M | $10.8M | $15.3M | $22.5M | $32.8M | $50.7M | $65.4M | $71.1M | $80.8M | $90.0M |
| Patrimônio Líquido | $63.8M | $73.5M | $138.2M | $150.6M | $160.6M | $170.9M | $167.1M | $173.3M | $179.1M | $187.9M |
| Dívida Total | $70.3M | $120.3M | $134.5M | $174.5M | $181.8M | $170.0M | $214.9M | $147.0M | $66.6M | $51.8M |
| Dívida Líquida | -$32.0M | -$25.4M | -$65.5M | -$66.2M | $58.6M | $120.6M | $179.3M | $36.4M | -$56.4M | -$135.8M |
| Capital de Giro | -$512.6M | -$683.5M | -$913.1M | -$1.08B | -$1.29B | -$1.45B | -$1.53B | -$1.48B | -$1.36B | -$1.33B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $82.4M | $118.9M | $149.2M | $121.8M |
| Ativos Totais | $1.73B | $1.78B | $1.82B | $1.81B |
| Passivos Totais | $1.54B | $1.59B | $1.63B | $1.62B |
| Patrimônio Líquido | $186.8M | $187.9M | $190.9M | $191.3M |
| Dívida Total | $46.8M | $51.8M | $52.6M | $51.9M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $2.6M | $2.5M | $4.3M | $9.5M | $12.7M | $21.3M | $17.8M | $13.1M | $13.8M | $14.4M |
| Depreciação e Amortização | $1.2M | $1.1M | $2.0M | $4.2M | $6.6M | $4.0M | $4.0M | $3.7M | $3.4M | $3.2M |
| Compensação em Ações | $33000 | $31000 | $12000 | $18000 | $14000 | $8000 | $3000 | 0 | 0 | 0 |
| Variação Capital de Giro | $296000 | -$4.3M | $3.1M | -$609000 | $8.3M | $3.0M | -$1.5M | $848000 | $936000 | -$2.1M |
| Fluxo de Caixa Operacional | $5.7M | $1.9M | $10.9M | $12.8M | $23.8M | $21.6M | $29.3M | $13.1M | $20.2M | $11.7M |
| CapEx | -$961000 | -$609000 | -$3.0M | -$6.8M | -$2.6M | -$3.8M | -$3.6M | -$1.4M | -$889000 | -$1.3M |
| Aquisições | $20.7M | -$19.0M | 0 | -$8.1M | $1.1M | 0 | 0 | 0 | $13000 | 0 |
| Recompra de Ações | -$50000 | -$38000 | -$34000 | -$53000 | -$2.8M | -$8.0M | -$1.9M | -$550000 | -$6.2M | -$6.2M |
| Dividendos Pagos | -$629000 | -$842000 | -$1.2M | -$2.2M | -$2.4M | -$2.5M | -$2.7M | -$3.0M | -$3.3M | -$3.6M |
| Fluxo de Caixa Livre | $4.7M | $1.3M | $7.9M | $6.1M | $21.2M | $17.8M | $25.7M | $11.8M | $19.3M | $10.4M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $6.6M | $3.9M | $4.0M | $7.9M |
| CapEx | -$392000 | -$593000 | -$570000 | $570000 |
| Fluxo de Caixa Livre | $6.2M | $3.3M | $3.4M | $8.5M |
| Dividendos Pagos | -$7.2M | 0 | -$1.0M | -$1.0M |
| Compensação em Ações | $33000 | 0 | $4000 | $8000 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +11.4% | -91.5% | +2577.4% | +12.9% | -3.2% | +0.2% | +17.7% | +5.3% | -9.4% |
| Crescimento Lucro Líquido (anual) | | -2.9% | +101.8% | +87.6% | +34.5% | +67.1% | -16.5% | -26.5% | +5.3% | +4.9% |
| Crescimento LPA (anual) | | -20.3% | -17.0% | +117.9% | +34.1% | +73.7% | -14.6% | -26.0% | +7.2% | +9.0% |
| Variação de Ações (anual) | | +1.9% | +107.0% | -0.1% | +0.4% | -3.9% | -2.0% | -0.4% | -2.5% | -4.9% |
| Crescimento FCF (anual) | | -72.5% | +505.8% | -23.2% | +249.7% | -16.0% | +44.1% | -54.2% | +64.0% | -46.2% |
| Margem Bruta | 82.5% | 81.7% | 100.0% | 72.1% | 73.4% | 87.0% | 81.9% | 62.5% | 59.8% | 54.7% |
| Margem Operacional | 13.3% | 11.8% | 266.5% | 16.8% | 20.9% | 36.2% | 29.4% | 20.0% | 17.6% | 7.0% |
| Margem EBITDA | 17.4% | 15.3% | 334.2% | 22.5% | 28.9% | 41.2% | 34.4% | 24.0% | 21.0% | 9.9% |
| Margem Líquida | 8.9% | 7.7% | 184.4% | 12.9% | 15.4% | 26.6% | 22.1% | 13.8% | 13.8% | 16.0% |
| Margem FCF | 16.3% | 4.0% | 288.8% | 8.3% | 25.7% | 22.3% | 32.0% | 12.4% | 19.4% | 11.5% |
| Taxa Efetiva de Imposto | 33.3% | 34.6% | 30.8% | 22.9% | 26.4% | 26.6% | 24.7% | 31.0% | 21.2% | 17.3% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $0.90 | $0.24 | $0.71 | $0.55 | $1.90 | $1.66 | $2.44 | $1.12 | $1.89 | $1.07 |
| Dividendo por Ação | $0.12 | $0.16 | $0.11 | $0.20 | $0.21 | $0.23 | $0.26 | $0.29 | $0.33 | $0.37 |
| Ações em Circulação (Básicas) | $5.2M | $5.3M | $10.9M | $11.1M | $11.2M | $10.7M | $10.5M | $10.5M | $10.2M | $9.7M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 6.77% |
| Retorno sobre capital investido | 0.50% |
| Retorno sobre ativos | 0.71% |
| Margem bruta | 55.66% |
| Margem operacional | 1.78% |
| Margem líquida | 14.64% |
Saúde financeira
| Dívida / Patrimônio | 0.27 |
| Liquidez corrente | 0.08 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 18.95 | 29.68 | 27.95 | 14.38 | 9.55 | 6.95 | 7.12 | 9.37 | 12.16 | 12.21 |
| P/VP | 0.92 | 1.01 | 0.86 | 0.90 | 0.76 | 0.86 | 0.76 | 0.71 | 0.93 | 0.92 |
| P/V | 2.02 | 2.30 | 43.61 | 1.85 | 1.47 | 1.84 | 1.58 | 1.30 | 1.67 | 1.92 |
| Margem Bruta | 82.5% | 81.7% | 100.0% | 72.1% | 73.4% | 87.0% | 81.9% | 62.5% | 59.8% | 54.7% |
| Margem Operacional | 13.3% | 11.8% | 266.5% | 16.8% | 20.9% | 36.2% | 29.4% | 20.0% | 17.6% | 7.0% |
| Margem Líquida | 8.9% | 7.7% | 184.4% | 12.9% | 15.4% | 26.6% | 22.1% | 13.8% | 13.8% | 16.0% |