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Citizens Community Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$5.1M in Q3 2026 · $18.2M over twelve months

Operating cash flow$5.5M
Capital spending−$388K
Free cash flow+$5.1M
Cash / net income1.0×

Analysis

In Q3 2026, Citizens Community Bancorp generated $5.5M of operating cash flow and spent $388K on capital projects, leaving free cash flow of $5.1M. That is $1.1M less than in Q3 2025 ($6.2M).

Over the twelve months to Sep 30, 2026, operating cash flow was $21.2M; the largest uses were other investing ($58.0M), buybacks ($5.6M), dividends ($3.0M); besides operations, cash came from other financing ($61.1M), shares issued ($352K); the cash balance rose by $13.0M.

Operating cash flow was $5.5M against net income of $5.4M — 1.0× profit, roughly in line with earnings. The largest differences: prepaid and other assets +$1.0M, depreciation & amortization +$604K, other liabilities −$360K.

Free cash flow

Citizens Community Bancorp: free cash flow by quarterCitizens Community Bancorp: free cash flow by quarter$2.4MQ4 2024$1.5MQ1 2025−$632KQ2 2025$6.2MQ3 2025$3.3MQ4 2025$3.4MQ1 2026$6.4MQ2 2026$5.1MQ3 2026
Operating cash flow less capital spending.
Citizens Community Bancorp: operating cash flow against capital spendingCitizens Community Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$2.6M$240KQ4 2024$1.6M$100KQ1 2025−$406K$226KQ2 2025$6.6M$392KQ3 2025$3.9M$593KQ4 2025$4.0M$570KQ1 2026$7.9M$1.5MQ2 2026$5.5M$388KQ3 2026
Latest (Q3 2026): Operating cash flow $5.5M, Capital spending $388K.

Capital allocation, year by year

Citizens Community Bancorp: where the cash came from (up) and went (down), by fiscal yearCitizens Community Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $21.6MFY2021: Shares issued $52KFY2021: Asset sales $38KFY2021: Capital spending −$3.8MFY2021: Buybacks −$8.0MFY2021: Dividends −$2.5M$21.7MFY2021FY2022: Operating cash flow $29.3MFY2022: Shares issued $71KFY2022: Asset sales $14KFY2022: Capital spending −$3.6MFY2022: Buybacks −$1.8MFY2022: Dividends −$2.7M$29.4MFY2022FY2023: Operating cash flow $13.1MFY2023: Shares issued $29KFY2023: Asset sales $12KFY2023: Capital spending −$1.4MFY2023: Buybacks −$421KFY2023: Dividends −$3.0M$13.2MFY2023FY2024: Operating cash flow $20.4MFY2024: Shares issued $22KFY2024: Asset sales $13KFY2024: Capital spending −$889KFY2024: Buybacks −$6.1MFY2024: Dividends −$3.3M$20.4MFY2024FY2025: Operating cash flow $11.7MFY2025: Shares issued $179KFY2025: Capital spending −$1.3MFY2025: Buybacks −$6.1MFY2025: Dividends −$3.6M$11.9MFY2025
Over these 5 years operating cash flow totalled $96.1M; the largest uses were buybacks ($22.3M) and dividends ($15.2M). Cash-flow statements as filed.

Where the cash came from and went

Citizens Community Bancorp: sources (+) and uses (−) of cash, Q3 2026Citizens Community Bancorp: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)$26.3MOther financing−$17.7MOther investing−$11.1MOperating cash flow$5.5MBuybacks−$1.5MDividends−$1.0MCapital spending−$388KShares issued$7K
Citizens Community Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Citizens Community Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other financing$61.1MOther investing−$58.0MOperating cash flow$21.2MCash drawn (+) / kept (−)−$13.0MBuybacks−$5.6MDividends−$3.0MCapital spending−$3.0MShares issued$352KTaxes on employees’ shares−$89K

From profit to cash

Citizens Community Bancorp: net income to operating cash flow, Q3 2026Citizens Community Bancorp: net income to operating cash flow, Q3 2026Net income$5.4MDepreciation & amortization$604KStock-based pay$7KGains on disposals−$61KPrepaid and other assets$1.0MOther liabilities−$360KOperating cash flow$5.5M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsShares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$5.5M−$388K−$1.5M−$1.0M$7K$26.3M$5.1M
Q2 2026$7.9M−$1.5M—−$1.0M$180K$27.4M$6.4M
Q1 2026$4.0M−$570K—−$1.0M$47K−$30.3M$3.4M
Q4 2025$3.9M−$593K−$4.0M—$118K−$36.4M$3.3M
Q3 2025$6.6M−$392K−$2.0M——−$15.0M$6.2M
Q2 2025−$406K−$226K——$33K$32.7M−$632K
Q1 2025$1.6M−$100K—−$3.6M$28K−$50.0M$1.5M
Q4 2024$2.6M−$240K−$1.4M—$22K−$13.5M$2.4M

Citizens Community Bancorp: income statement and cash flow

Citizens Community Bancorp, Q3 2026: revenue $17.4M (+7% year over year), operating margin 38.1%. The chart follows the revenue to costs, profit and cash.

Citizens Community Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.