Filing Flows › Financials › Citizens Community Bancorp (CZWI)
Citizens Community Bancorp (CZWI) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 9, 2026 · Citizens Community Bancorp (CZWI) Q3 2026 earnings results →
Q3 2026 Revenue up 7% year over year to $17.4M · 31¢ of every $1 of revenue kept as net profit · operating margin 38.1%
Citizens Community Bancorp made $17.4M in Q3 2026 (+7% Y/Y): Net interest income $14.5M, Noninterest income $2.9M. Operating margin 38.1%, net earnings $5.4M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 9, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $17.4M in Q3 2026, up 7% year over year and up 8% from the previous quarter. Net interest income was the largest line at 83% of revenue. Net interest income added $1.3M year over year (up 10%), 112% of the total change. Noninterest income declined 5%.
Operating profit was $6.6M, a 38.1% margin (up 10.1 points year over year). Of the extra revenue versus a year earlier, 183% reached operating profit, above the 28% margin then. Total costs fell 8% while revenue rose 7%. Net earnings were $5.4M, up 47% year over year. The effective tax rate was 18.2%.
Operating cash flow was $5.5M (down 17% year over year), 102% of net earnings. Non-cash charges added back $604K of depreciation and amortization and $7K of share-based compensation. Working capital and other items used $519K. Capital expenditures of $388K left free cash flow of $5.1M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 9, 2026 | $17.4M | +7% | 38.1% | $5.4M | $5.5M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Citizens Community Bancorp
Citizens Community Bancorp, Inc. (the “Company”) is a Maryland corporation organized in 2004. The Company is a bank holding company and is subject to regulation by the Office of the Comptroller of the Currency (“OCC”) and by the Federal Reserve Bank. Our primary activities consist of holding the stock of our wholly-owned subsidiary bank, Citizens Community Federal N.A. (the “Bank”), and providing commercial, agricultural and consumer banking activities through the Bank. At December 31, 2025, we had approximately $1.782 billion in total assets, $1.524 billion in deposits, and $187.9 million in equity.
In its own words, from its 10-K, filed Mar 5, 2026.
Citizens Community Bancorp against its Savings Institution, Federally Chartered peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +7% against the peers' median +7%. Operating margin: 38.1% against the peers' median 38.1%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| CZWI Citizens Community Bancorp | Q3 2026 | $17.4M | +7% | 38.1% |
| HSBC HSBC Holdings | Q3 2026 | $18.6B | +5% | 51.7% |
| AX Axos Financial | Q1 FY27 | $395M | +22% | 44.3% |
| EBC Eastern Bankshares | Q3 2026 | $307M | +27% | 45.7% |
| BKU BankUnited | Q3 2026 | $280M | +2% | 34.6% |
| PFS Provident Financial Services | Q3 2026 | $239M | +8% | 38.8% |
| CLBK Columbia Financial | Q3 2026 | $100M | +49% | 1.1% |
| NRIM Northrim Bancorp | Q3 2026 | $69.9M | -9% | 26.8% |
| HTB HomeTrust Bancshares | Q3 2026 | $55.5M | +3% | 37.1% |
Source: Citizens Community Bancorp 10-Q on SEC EDGAR · CIK 1367859 · Savings Institution, Federally Chartered
Guidance and outlook
13F: who owns CZWI and who is buying
More on CZWI
History
Every quarter: Q3 2026 results
Compare CZWI with
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- Citizens Community Bancorp vs First Capital (CZWI vs FCAP)
- Citizens Community Bancorp vs Provident Financial Holdings (CZWI vs PROV)
- Citizens Community Bancorp vs Broadway Financial (CZWI vs BYFC)