Filing Flows › Citizens Community Bancorp (CZWI) › How it makes money
How Citizens Community Bancorp (CZWI) makes money
Citizens Community Bancorp (CZWI) made $17.4M of revenue in the third quarter 2026 (Q3 2026), +7% from a year earlier. Net interest income brought in $14.5M (83%); Noninterest income brought in $2.9M (17%). Of every dollar of revenue, 38¢ was left as operating profit, 31¢ was left as net earnings.
Drawing the Sankey…
Revenue by segment, Q3 2026
| Segment | Revenue | Share | Q/Q | Y/Y |
|---|---|---|---|---|
| Net interest income | $14.5M | 83.4% | +7% | +10% |
| Noninterest income | $2.9M | 16.6% | +11% | -5% |
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $17.4M | 100.0% |
| Operating profit | $6.6M | 38.1% |
| Income tax | $1.2M | 6.9% |
| Net earnings | $5.4M | 31.1% |
| Operating cash flow | $5.5M | 31.6% |
| Free cash flow | $5.1M | 29.4% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $17.4M | +7% |
From Citizens Community Bancorp's 10-Q filed Nov 9, 2026 (on EDGAR).
Questions
How does Citizens Community Bancorp make money?
Citizens Community Bancorp (CZWI) made $17.4M of revenue in the third quarter 2026 (Q3 2026), +7% from a year earlier. Net interest income brought in $14.5M (83%); Noninterest income brought in $2.9M (17%). Of every dollar of revenue, 38¢ was left as operating profit, 31¢ was left as net earnings.
What is Citizens Community Bancorp's biggest business?
Net interest income: $14.5M in the third quarter 2026, 83% of revenue, +10% from a year earlier.
What is Citizens Community Bancorp's profit margin?
Net earnings were $5.4M, 31.1% of revenue, in the third quarter 2026; the operating margin was 38.1%.
Updated Nov 10, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.