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Side-by-side financial comparison of Citizens Community Bancorp Inc. (CZWI) and Velo3D, Inc. (VELO). 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 $9.4M, roughly 1.7× Velo3D, Inc.). Citizens Community Bancorp Inc. runs the higher net margin — 27.1% vs -231.9%, a 259.0% gap on every dollar of revenue. On growth, Citizens Community Bancorp Inc. posted the faster year-over-year revenue change (14.9% vs -25.2%). Citizens Community Bancorp Inc. produced more free cash flow last quarter ($10.4M vs $-8.3M). Over the past eight quarters, Citizens Community Bancorp Inc.'s revenue compounded faster (1.9% CAGR vs -1.8%).
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.
Velo3D, Inc. develops and sells advanced end-to-end metal additive manufacturing (3D printing) solutions, comprising industrial-grade printers, specialized processing software, and high-performance metal materials. It primarily serves global aerospace, defense, energy, semiconductor and industrial manufacturing markets, enabling customers to produce complex, high-precision metal parts that are difficult to manufacture with traditional methods.
CZWI vs VELO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $15.8M | $9.4M |
| Net Profit | $4.3M | $-21.9M |
| Gross Margin | — | -73.6% |
| Operating Margin | 31.0% | -231.0% |
| Net Margin | 27.1% | -231.9% |
| Revenue YoY | 14.9% | -25.2% |
| Net Profit YoY | 58.1% | -2.9% |
| EPS (diluted) | $0.44 | $-0.87 |
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.
| Q4 25 | $15.8M | $9.4M | ||
| Q3 25 | $16.2M | $13.6M | ||
| Q2 25 | $16.1M | $13.6M | ||
| Q1 25 | $14.2M | $9.3M | ||
| Q4 24 | $13.7M | $12.6M | ||
| Q3 24 | $14.2M | $8.2M | ||
| Q2 24 | $13.5M | $10.3M | ||
| Q1 24 | $15.2M | $9.8M |
| Q4 25 | $4.3M | $-21.9M | ||
| Q3 25 | $3.7M | $-11.2M | ||
| Q2 25 | $3.3M | $-13.3M | ||
| Q1 25 | $3.2M | $-25.0M | ||
| Q4 24 | $2.7M | $-21.3M | ||
| Q3 24 | $3.3M | $-21.9M | ||
| Q2 24 | $3.7M | $935.0K | ||
| Q1 24 | $4.1M | $-27.5M |
| Q4 25 | — | -73.6% | ||
| Q3 25 | — | 3.2% | ||
| Q2 25 | — | -11.7% | ||
| Q1 25 | — | 7.5% | ||
| Q4 24 | — | -3.5% | ||
| Q3 24 | — | 49.4% | ||
| Q2 24 | — | -28.0% | ||
| Q1 24 | — | -28.8% |
| Q4 25 | 31.0% | -231.0% | ||
| Q3 25 | 27.9% | -73.3% | ||
| Q2 25 | 25.1% | -85.4% | ||
| Q1 25 | 28.0% | -123.6% | ||
| Q4 24 | 24.5% | -167.0% | ||
| Q3 24 | 29.5% | -213.8% | ||
| Q2 24 | 35.0% | -187.7% | ||
| Q1 24 | 34.2% | -211.1% |
| Q4 25 | 27.1% | -231.9% | ||
| Q3 25 | 22.7% | -82.0% | ||
| Q2 25 | 20.3% | -97.7% | ||
| Q1 25 | 22.5% | -268.4% | ||
| Q4 24 | 19.7% | -168.5% | ||
| Q3 24 | 23.1% | -265.3% | ||
| Q2 24 | 27.2% | 9.0% | ||
| Q1 24 | 26.9% | -281.2% |
| Q4 25 | $0.44 | $-0.87 | ||
| Q3 25 | $0.37 | $-0.65 | ||
| Q2 25 | $0.33 | $-0.94 | ||
| Q1 25 | $0.32 | $-1.87 | ||
| Q4 24 | $0.28 | $7.06 | ||
| Q3 24 | $0.32 | $-35.52 | ||
| Q2 24 | $0.35 | $1.65 | ||
| Q1 24 | $0.39 | $-55.51 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $118.9M | $39.0M |
| Total DebtLower is stronger | $51.8M | $31.0M |
| Stockholders' EquityBook value | $187.9M | $38.2M |
| Total Assets | $1.8B | $105.3M |
| Debt / EquityLower = less leverage | 0.28× | 0.81× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $118.9M | $39.0M | ||
| Q3 25 | $82.4M | $11.8M | ||
| Q2 25 | $67.5M | $854.0K | ||
| Q1 25 | $100.2M | $3.9M | ||
| Q4 24 | $50.2M | $1.2M | ||
| Q3 24 | $36.6M | $1.6M | ||
| Q2 24 | $36.9M | $3.2M | ||
| Q1 24 | $28.6M | $10.9M |
| Q4 25 | $51.8M | $31.0M | ||
| Q3 25 | — | $23.0M | ||
| Q2 25 | — | $22.5M | ||
| Q1 25 | — | $21.7M | ||
| Q4 24 | $66.6M | $5.7M | ||
| Q3 24 | — | $32.3M | ||
| Q2 24 | — | $33.5M | ||
| Q1 24 | — | $44.0M |
| Q4 25 | $187.9M | $38.2M | ||
| Q3 25 | $186.8M | $29.9M | ||
| Q2 25 | $183.5M | $21.4M | ||
| Q1 25 | $180.1M | $32.8M | ||
| Q4 24 | $179.1M | $39.7M | ||
| Q3 24 | $180.1M | $34.4M | ||
| Q2 24 | $176.0M | $52.1M | ||
| Q1 24 | $172.8M | $45.5M |
| Q4 25 | $1.8B | $105.3M | ||
| Q3 25 | $1.7B | $93.7M | ||
| Q2 25 | $1.7B | $78.4M | ||
| Q1 25 | $1.8B | $91.3M | ||
| Q4 24 | $1.7B | $89.2M | ||
| Q3 24 | $1.8B | $110.8M | ||
| Q2 24 | $1.8B | $116.7M | ||
| Q1 24 | $1.8B | $136.1M |
| Q4 25 | 0.28× | 0.81× | ||
| Q3 25 | — | 0.77× | ||
| Q2 25 | — | 1.05× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | 0.37× | 0.14× | ||
| Q3 24 | — | 0.94× | ||
| Q2 24 | — | 0.64× | ||
| Q1 24 | — | 0.97× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $11.7M | $-7.7M |
| Free Cash FlowOCF − Capex | $10.4M | $-8.3M |
| FCF MarginFCF / Revenue | 65.9% | -88.3% |
| Capex IntensityCapex / Revenue | 8.3% | 6.4% |
| Cash ConversionOCF / Net Profit | 2.74× | — |
| TTM Free Cash FlowTrailing 4 quarters | $17.5M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $11.7M | $-7.7M | ||
| Q3 25 | $6.6M | $-6.0M | ||
| Q2 25 | $-406.0K | $-1.2M | ||
| Q1 25 | $1.6M | $-12.3M | ||
| Q4 24 | $20.4M | $-2.2M | ||
| Q3 24 | $3.5M | $-2.0M | ||
| Q2 24 | $5.1M | $-8.0M | ||
| Q1 24 | $9.1M | $-20.5M |
| Q4 25 | $10.4M | $-8.3M | ||
| Q3 25 | $6.2M | $-6.3M | ||
| Q2 25 | $-632.0K | $-3.0M | ||
| Q1 25 | $1.5M | — | ||
| Q4 24 | $19.5M | $-2.2M | ||
| Q3 24 | $3.4M | $-2.0M | ||
| Q2 24 | $4.8M | $-8.0M | ||
| Q1 24 | $8.9M | $-20.5M |
| Q4 25 | 65.9% | -88.3% | ||
| Q3 25 | 38.4% | -46.5% | ||
| Q2 25 | -3.9% | -22.2% | ||
| Q1 25 | 10.7% | — | ||
| Q4 24 | 142.2% | -17.7% | ||
| Q3 24 | 23.8% | -24.2% | ||
| Q2 24 | 35.7% | -77.1% | ||
| Q1 24 | 58.9% | -209.8% |
| Q4 25 | 8.3% | 6.4% | ||
| Q3 25 | 2.4% | 2.3% | ||
| Q2 25 | 1.4% | 13.3% | ||
| Q1 25 | 0.7% | 0.0% | ||
| Q4 24 | 6.5% | 0.2% | ||
| Q3 24 | 0.9% | 0.2% | ||
| Q2 24 | 2.3% | 0.0% | ||
| Q1 24 | 1.4% | 0.1% |
| Q4 25 | 2.74× | — | ||
| Q3 25 | 1.80× | — | ||
| Q2 25 | -0.12× | — | ||
| Q1 25 | 0.50× | — | ||
| Q4 24 | 7.55× | — | ||
| Q3 24 | 1.07× | — | ||
| Q2 24 | 1.39× | -8.52× | ||
| Q1 24 | 2.24× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
