Filing Flows › Citizens Community Bancorp (CZWI) › Q3 2026 › vs Q3 2025
Citizens Community Bancorp (CZWI) Q3 2026 vs Q3 2025 (year over year)
Citizens Community Bancorp's revenue rose $1.1M (+7%) from $16.2M in Q3 2025 to $17.4M in Q3 2026. The biggest changes: Net interest income +$1.3M (+10%); Noninterest income −$140K (-5%). Operating margin 38.1% against 27.9% (+10.1 pts).
Citizens Community Bancorp, Q3 2026: revenue $17.4M (+7% year over year), operating margin 38.1%, net earnings $5.4M, operating cash flow $5.5M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 38.1% | 27.9% | +10.1 pts |
| Net margin | 31.1% | 22.7% | +8.4 pts |
| Free cash flow margin | 29.4% | 38.4% | -9.0 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $14.5M | $13.2M | $1.3M | +10% |
| Noninterest income | $2.9M | $3.0M | −$140K | -5% |
| Revenue | $17.4M | $16.2M | $1.1M | +7% |
| Operating profit | $6.6M | $4.5M | $2.1M | +46% |
| Costs & expenses | $10.8M | $11.7M | −$940K | -8% |
| Pre-tax earnings | $6.6M | $4.5M | $2.1M | +46% |
| Net earnings | $5.4M | $3.7M | $1.7M | +47% |
| Income tax | $1.2M | $853K | $353K | +41% |
| Depreciation & amortization | $604K | $618K | −$14K | -2% |
| Share-based compensation | $7K | $33K | −$26K | -79% |
| Working capital & other | $519K | −$2.3M | $2.8M | — |
| Operating cash flow | $5.5M | $6.6M | −$1.1M | -17% |
| Free cash flow (OCF − capex) | $5.1M | $6.2M | −$1.1M | -18% |
| Capital expenditures | $388K | $392K | −$4K | -1% |
Questions
How much did Citizens Community Bancorp's revenue grow year over year in Q3 2026?
Citizens Community Bancorp's revenue rose $1.1M (+7%) from $16.2M in Q3 2025 to $17.4M in Q3 2026.
What drove Citizens Community Bancorp's revenue change in Q3 2026?
Net interest income +$1.3M (+10%); Noninterest income −$140K (-5%).