CZWI earnings analysis
What we found in CZWI's 10-Q: the parts that mattered, the offsets in the same document, and what the company said about what comes next.
Our reading of the filing · Free to read, no account needed
Citizens Community Bancorp, Inc. reported solid Q1 2026 results with an increase in revenue and EPS compared to the prior year, driven by strong net interest income and non-interest income growth. Cash and deposits showed significant increases, contributing to improved liquidity, while the provision for credit losses increased as well, indicating potential headwinds.
The parts that mattered.
Pulled out of the filing itself, with the figures the company reported.
- Revenue Growth
- Q1 2026 revenue reached $16.1 million, up 5.0% from $15.4 million in Q1 2025.
- Improved EPS
- Diluted EPS increased to $0.39 in Q1 2026, compared to $0.32 in Q1 2025.
- Strong Non-Interest Income Growth
- Non-interest income rose to $3.1 million in Q1 2026, up 19.5% from $2.6 million in Q1 2025.
- Increase in Total Deposits
- Total deposits grew by $41.5 million, reaching $1.57 billion as of March 31, 2026.
- Higher Cash Reserves
- Cash and cash equivalents increased by $30.3 million to $149.2 million from $118.9 million at year-end 2025.
- Net Interest Margin Expansion
- Net interest margin improved to 3.18% in Q1 2026, from 2.85% in Q1 2025.
And the other side of it.
The offsets in the same document — the things a summary that only listed the good news would have left out.
- Increased Provision for Credit Losses
- Provision for credit losses rose to $0.75 million in Q1 2026, up from a negative provision of $0.25 million in Q1 2025.
- Nonperforming Assets Rise
- Total nonperforming assets increased to $18.2 million as of March 31, 2026, compared to $16.7 million at December 31, 2025.
- Potential Economic Sensitivity
- Continued economic challenges and geopolitical tensions could adversely affect loan repayment capability.
What they reported.
What the company itself reported, taken out of the document.
- Earnings per share
- $0.39
What they said about what is next.
No explicit numeric guidance provided for future quarters.
The filing reads better than the one before it.
What came before.
- 10-K · March 5, 2026
- Citizens Community Bancorp (CZWI) presents a stable community‑bank profile: a $1.782 billion balance sheet with $1.524 billion of deposits and $187.9 million of equity at December 31, 2025, and a loan portfolio of…
- 10-Q · November 4, 2025
- Citizens Community Bancorp reported Q3 2025 results with revenue (net interest income before provision + non-interest income) of $16,236,000 and diluted EPS of $0.37, each improving versus the prior-year quarter. Net…
- 10-Q · May 8, 2025
- Citizens Community Bancorp reported Q1 2025 results with diluted EPS of $0.32 (beat $0.26 consensus) and reported operating revenue of $14.187M. Profitability compressed year‑over‑year (income before tax $3.974M vs…
- 10-Q · August 6, 2024
- Q2 2024 results show modest earnings growth: net income rose to $3,675 (thousands) vs $3,206 in Q2 2023 and diluted EPS increased to $0.35 from $0.31. Revenue (net interest income before provision + non‑interest income)…
This is our reading of a public filing, not the filing. Read the original on SEC.gov · Educational only. Nothing here is investment advice.
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