Filing Flows › Citizens Community Bancorp (CZWI) › Q3 2026
Citizens Community Bancorp (CZWI) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 9, 2026
Citizens Community Bancorp (CZWI) reported revenue of $17.4M for the third quarter 2026 (Q3 2026), +7% from a year earlier and +8% from the quarter before. Operating margin was 38.1%, net earnings $5.4M (31.1% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $17.4M | +8% | +7% |
| Operating profit | $6.6M | +435% | +46% |
| Net earnings | $5.4M | +391% | +47% |
| Operating cash flow | $5.5M | -31% | -17% |
| Free cash flow | $5.1M | -21% | -18% |
What changed
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.
Questions
What was Citizens Community Bancorp's revenue in the third quarter 2026?
Citizens Community Bancorp (CZWI) reported revenue of $17.4M for the third quarter 2026 (Q3 2026), +7% from a year earlier and +8% from the quarter before.
Was Citizens Community Bancorp profitable in the third quarter 2026?
Operating profit was $6.6M (38.1% of revenue) and net earnings $5.4M.