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Finward Bancorp vs First Northern Community Bancorp vs Waterstone Financial, Inc. vs Citizens Community Bancorp Inc.

Latest annual figures from SEC filings. Each company is shown for its own most recent fiscal year, so period ends can differ. Select a figure to see its full history.

Latest fiscal year	Finward Bancorp FNWD	First Northern Community Bancorp FNRN	Waterstone Financial, Inc. WSBF	Citizens Community Bancorp Inc. CZWI
Year ended	2025-12-31	2025-12-31	2025-12-31	2025-12-31
Revenue	n/a	n/a	n/a	n/a
Revenue growth (YoY)	n/a	n/a	n/a	n/a
Gross margin	n/a	n/a	n/a	n/a
Operating margin	n/a	n/a	n/a	n/a
Net margin	n/a	n/a	n/a	n/a
Net income	$8.09M	$21.13M	$26.40M	$14.42M
EPS (Diluted)	$1.88	$1.27	$1.48	$1.46
Operating cash flow	$9.90M	$6.90M	$24.18M	$11.69M
Free cash flow	$9.05M	$5.20M	$23.02M	$10.38M
Cash & equivalents	n/a	$145.55M	n/a	$118.85M
Total assets	$2.02B	$1.91B	$2.26B	$1.78B
Total liabilities	$1.85B	$1.70B	$1.91B	$1.59B
Shareholders' equity	$174.66M	$212.02M	$349.39M	$187.94M
Return on year-end equity	4.6%	10.0%	7.6%	7.7%
Shares outstanding	4.33M	16.41M	18.36M	9.62M

n/a means the company did not report that line under the concept TickerFacts maps, not that it is zero.

Revenue, most recent five fiscal years

Fiscal year	Finward Bancorp	First Northern Community Bancorp	Waterstone Financial, Inc.	Citizens Community Bancorp Inc.
Latest	n/a	n/a	n/a	n/a
1 year earlier	n/a	n/a	n/a	n/a
2 years earlier	n/a	n/a	n/a	n/a
3 years earlier	n/a	n/a	n/a	n/a
4 years earlier	n/a	n/a	n/a	n/a