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Side-by-side financial comparison of Citizens Community Bancorp Inc. (CZWI) and Idaho Strategic Resources, Inc. (IDR). Click either name above to swap in a different company.

Citizens Community Bancorp Inc. is the larger business by last-quarter revenue ($15.8M vs $14.6M, roughly 1.1× Idaho Strategic Resources, Inc.). Idaho Strategic Resources, Inc. runs the higher net margin — 64.3% vs 27.1%, a 37.2% gap on every dollar of revenue. On growth, Idaho Strategic Resources, Inc. posted the faster year-over-year revenue change (92.0% vs 14.9%). Citizens Community Bancorp Inc. produced more free cash flow last quarter ($10.4M vs $8.2M). Over the past eight quarters, Idaho Strategic Resources, Inc.'s revenue compounded faster (57.2% CAGR vs 1.9%).

Glacier Bancorp, Inc. is a regional multi-bank holding company headquartered in Kalispell, Montana, United States. It is a successor corporation to the Delaware corporation originally incorporated in 1990. The company provides personal and commercial banking services from 221 locations in Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona, and, Nevada.

Idaho Strategic Resources, Inc. is a U.S.-based natural resource company focused on the exploration, development, and production of critical and strategic minerals. Primarily operating in Idaho, it targets rare earth elements, gold, silver, and other high-demand minerals, supplying products to the clean energy, defense, and industrial manufacturing sectors across North America.

CZWI vs IDR — Head-to-Head

Bigger by revenue
CZWI
CZWI
1.1× larger
CZWI
$15.8M
$14.6M
IDR
Growing faster (revenue YoY)
IDR
IDR
+77.1% gap
IDR
92.0%
14.9%
CZWI
Higher net margin
IDR
IDR
37.2% more per $
IDR
64.3%
27.1%
CZWI
More free cash flow
CZWI
CZWI
$2.2M more FCF
CZWI
$10.4M
$8.2M
IDR
Faster 2-yr revenue CAGR
IDR
IDR
Annualised
IDR
57.2%
1.9%
CZWI

Income Statement — Q4 FY2025 vs Q4 FY2025

Metric
CZWI
CZWI
IDR
IDR
Revenue
$15.8M
$14.6M
Net Profit
$4.3M
$9.4M
Gross Margin
68.5%
Operating Margin
31.0%
62.4%
Net Margin
27.1%
64.3%
Revenue YoY
14.9%
92.0%
Net Profit YoY
58.1%
220.6%
EPS (diluted)
$0.44
$0.62

Green = leading value per metric. Periods may differ when fiscal calendars don't align.

8-Quarter Revenue & Profit Trend

Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.

Revenue
CZWI
CZWI
IDR
IDR
Q4 25
$15.8M
$14.6M
Q3 25
$16.2M
$11.1M
Q2 25
$16.1M
$9.5M
Q1 25
$14.2M
$7.3M
Q4 24
$13.7M
$7.6M
Q3 24
$14.2M
$6.2M
Q2 24
$13.5M
$6.1M
Q1 24
$15.2M
$5.9M
Net Profit
CZWI
CZWI
IDR
IDR
Q4 25
$4.3M
$9.4M
Q3 25
$3.7M
$3.0M
Q2 25
$3.3M
$2.8M
Q1 25
$3.2M
$1.6M
Q4 24
$2.7M
$2.9M
Q3 24
$3.3M
$1.6M
Q2 24
$3.7M
$2.2M
Q1 24
$4.1M
$2.2M
Gross Margin
CZWI
CZWI
IDR
IDR
Q4 25
68.5%
Q3 25
63.6%
Q2 25
57.8%
Q1 25
50.8%
Q4 24
53.3%
Q3 24
48.7%
Q2 24
50.2%
Q1 24
48.1%
Operating Margin
CZWI
CZWI
IDR
IDR
Q4 25
31.0%
62.4%
Q3 25
27.9%
23.4%
Q2 25
25.1%
26.6%
Q1 25
28.0%
19.3%
Q4 24
24.5%
36.2%
Q3 24
29.5%
23.4%
Q2 24
35.0%
34.2%
Q1 24
34.2%
36.3%
Net Margin
CZWI
CZWI
IDR
IDR
Q4 25
27.1%
64.3%
Q3 25
22.7%
26.8%
Q2 25
20.3%
29.2%
Q1 25
22.5%
22.1%
Q4 24
19.7%
38.5%
Q3 24
23.1%
25.8%
Q2 24
27.2%
35.2%
Q1 24
26.9%
36.8%
EPS (diluted)
CZWI
CZWI
IDR
IDR
Q4 25
$0.44
$0.62
Q3 25
$0.37
$0.20
Q2 25
$0.33
$0.20
Q1 25
$0.32
$0.12
Q4 24
$0.28
$0.21
Q3 24
$0.32
$0.12
Q2 24
$0.35
$0.17
Q1 24
$0.39
$0.17

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
CZWI
CZWI
IDR
IDR
Cash + ST InvestmentsLiquidity on hand
$118.9M
Total DebtLower is stronger
$51.8M
$2.3M
Stockholders' EquityBook value
$187.9M
$108.2M
Total Assets
$1.8B
$116.2M
Debt / EquityLower = less leverage
0.28×
0.02×

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
CZWI
CZWI
IDR
IDR
Q4 25
$118.9M
Q3 25
$82.4M
Q2 25
$67.5M
Q1 25
$100.2M
Q4 24
$50.2M
Q3 24
$36.6M
Q2 24
$36.9M
$6.3M
Q1 24
$28.6M
$5.3M
Total Debt
CZWI
CZWI
IDR
IDR
Q4 25
$51.8M
$2.3M
Q3 25
$3.0M
Q2 25
$3.3M
Q1 25
$3.7M
Q4 24
$66.6M
$1.7M
Q3 24
$2.9M
Q2 24
$2.7M
Q1 24
$3.3M
Stockholders' Equity
CZWI
CZWI
IDR
IDR
Q4 25
$187.9M
$108.2M
Q3 25
$186.8M
$74.3M
Q2 25
$183.5M
$49.3M
Q1 25
$180.1M
$39.8M
Q4 24
$179.1M
$37.7M
Q3 24
$180.1M
$33.1M
Q2 24
$176.0M
$25.4M
Q1 24
$172.8M
$21.6M
Total Assets
CZWI
CZWI
IDR
IDR
Q4 25
$1.8B
$116.2M
Q3 25
$1.7B
$83.1M
Q2 25
$1.7B
$57.7M
Q1 25
$1.8B
$48.1M
Q4 24
$1.7B
$44.0M
Q3 24
$1.8B
$40.8M
Q2 24
$1.8B
$32.2M
Q1 24
$1.8B
$28.7M
Debt / Equity
CZWI
CZWI
IDR
IDR
Q4 25
0.28×
0.02×
Q3 25
0.04×
Q2 25
0.07×
Q1 25
0.09×
Q4 24
0.37×
0.05×
Q3 24
0.09×
Q2 24
0.11×
Q1 24
0.15×

Cash Flow & Capital Efficiency

How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.

Metric
CZWI
CZWI
IDR
IDR
Operating Cash FlowLast quarter
$11.7M
$10.7M
Free Cash FlowOCF − Capex
$10.4M
$8.2M
FCF MarginFCF / Revenue
65.9%
56.0%
Capex IntensityCapex / Revenue
8.3%
17.7%
Cash ConversionOCF / Net Profit
2.74×
1.15×
TTM Free Cash FlowTrailing 4 quarters
$17.5M
$12.4M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
CZWI
CZWI
IDR
IDR
Q4 25
$11.7M
$10.7M
Q3 25
$6.6M
$2.4M
Q2 25
$-406.0K
$3.5M
Q1 25
$1.6M
$2.4M
Q4 24
$20.4M
$3.2M
Q3 24
$3.5M
$2.5M
Q2 24
$5.1M
$2.6M
Q1 24
$9.1M
$2.6M
Free Cash Flow
CZWI
CZWI
IDR
IDR
Q4 25
$10.4M
$8.2M
Q3 25
$6.2M
$709.8K
Q2 25
$-632.0K
$2.5M
Q1 25
$1.5M
$1.0M
Q4 24
$19.5M
$2.1M
Q3 24
$3.4M
$1.9M
Q2 24
$4.8M
$2.4M
Q1 24
$8.9M
$2.3M
FCF Margin
CZWI
CZWI
IDR
IDR
Q4 25
65.9%
56.0%
Q3 25
38.4%
6.4%
Q2 25
-3.9%
26.5%
Q1 25
10.7%
13.8%
Q4 24
142.2%
28.0%
Q3 24
23.8%
30.4%
Q2 24
35.7%
38.7%
Q1 24
58.9%
38.3%
Capex Intensity
CZWI
CZWI
IDR
IDR
Q4 25
8.3%
17.7%
Q3 25
2.4%
15.3%
Q2 25
1.4%
10.8%
Q1 25
0.7%
19.4%
Q4 24
6.5%
13.6%
Q3 24
0.9%
9.8%
Q2 24
2.3%
4.3%
Q1 24
1.4%
5.5%
Cash Conversion
CZWI
CZWI
IDR
IDR
Q4 25
2.74×
1.15×
Q3 25
1.80×
0.81×
Q2 25
-0.12×
1.28×
Q1 25
0.50×
1.50×
Q4 24
7.55×
1.08×
Q3 24
1.07×
1.56×
Q2 24
1.39×
1.22×
Q1 24
2.24×
1.19×

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

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