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Citizens Community Bancorp vs First Capital: CZWI and FCAP compared
Citizens Community Bancorp is the larger company: $17.4M of revenue in its latest quarter (Q3 2026) against $14.3M for First Capital (Q2 2026). First Capital is growing faster (+15% against +7% a year earlier). First Capital is more profitable, with an operating margin of 42.1% against 38.1%.
Where the money goes: CZWI and FCAP
Citizens Community Bancorp (CZWI) · Q3 2026
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.
First Capital (FCAP) · Q2 2026
First Capital, Q2 2026: revenue $14.3M (+15% year over year), operating margin 42.1%, net earnings $4.8M, operating cash flow $4.3M. The chart follows the revenue to costs, profit and cash.
| Citizens Community Bancorp (CZWI) | First Capital (FCAP) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q2 2026 |
| Revenue | $17.4M | $14.3M |
| Revenue growth, Y/Y | +7% | +15% |
| Operating margin | 38.1% | 42.1% |
| Net earnings | $5.4M | $4.8M |
| Net margin | 31.1% | 33.3% |
| Operating cash flow | $5.5M | $4.3M |
| Free cash flow | $5.1M | $3.5M |
Where the revenue comes from
Citizens Community Bancorp
- Net interest income: $14.5M (83%)
- Noninterest income: $2.9M (17%)
Questions
Which is bigger, Citizens Community Bancorp or First Capital?
Citizens Community Bancorp is the larger company: $17.4M of revenue in its latest quarter (Q3 2026) against $14.3M for First Capital (Q2 2026).
Is Citizens Community Bancorp or First Capital growing faster?
First Capital is growing faster (+15% against +7% a year earlier).
Which is more profitable, Citizens Community Bancorp or First Capital?
First Capital is more profitable, with an operating margin of 42.1% against 38.1%.
More: Citizens Community Bancorp earnings · how Citizens Community Bancorp makes money · First Capital earnings · how First Capital makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 9, 2026; 10-Q filed Aug 12, 2026). Fiscal quarters can end on different dates. Not investment advice.