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…
Earnings analysis · 10-Q
CZWI earnings analysis
Filed May 6, 2026 · Our reading of the company's report
The latest report
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…
Read full summary
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.
Gross and operating margin
How much of each revenue dollar the business keeps.
One point per quarterly or annual filing. Both margins are shares of that report's revenue.
How we read each report
Our analysis across the last few reports.
Our model's reading of each filing, not the share price or the market's reaction. Annual and quarterly reports each occupy one position.
Reported figures
- Earnings per share
- $0.39
What stood out
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Revenue Growth
Q1 2026 revenue reached $16.1 million, up 5.0% from $15.4 million in Q1 2025.
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Improved EPS
Diluted EPS increased to $0.39 in Q1 2026, compared to $0.32 in Q1 2025.
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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.
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Increase in Total Deposits
Total deposits grew by $41.5 million, reaching $1.57 billion as of March 31, 2026.
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Higher Cash Reserves
Cash and cash equivalents increased by $30.3 million to $149.2 million from $118.9 million at year-end 2025.
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Net Interest Margin Expansion
Net interest margin improved to 3.18% in Q1 2026, from 2.85% in Q1 2025.
What to watch
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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.
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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.
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Potential Economic Sensitivity
Continued economic challenges and geopolitical tensions could adversely affect loan repayment capability.
Management's outlook
No explicit numeric guidance provided for future quarters.
Earlier filings 4
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 itself. Analysis can contain errors; check the source document for full context.