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Citizens Community Bancorp vs Provident Financial Holdings: CZWI and PROV compared
Citizens Community Bancorp is the larger company: $17.4M of revenue in its latest quarter (Q3 2026) against $10.6M for Provident Financial Holdings (Q1 FY27). Provident Financial Holdings is growing faster (+8% against +7% a year earlier). Citizens Community Bancorp is more profitable, with an operating margin of 38.1% against 20.6%.
Where the money goes: CZWI and PROV
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.
Provident Financial Holdings (PROV) · Q1 FY27
Provident Financial Holdings, Q1 FY27: revenue $10.6M (+8% year over year), operating margin 20.6%, net earnings $1.6M, operating cash flow $4.4M. The chart follows the revenue to costs, profit and cash.
| Citizens Community Bancorp (CZWI) | Provident Financial Holdings (PROV) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q1 FY27 |
| Revenue | $17.4M | $10.6M |
| Revenue growth, Y/Y | +7% | +8% |
| Operating margin | 38.1% | 20.6% |
| Net earnings | $5.4M | $1.6M |
| Net margin | 31.1% | 14.9% |
| Operating cash flow | $5.5M | $4.4M |
| Free cash flow | $5.1M | $4.3M |
Where the revenue comes from
Citizens Community Bancorp
- Net interest income: $14.5M (83%)
- Noninterest income: $2.9M (17%)
Provident Financial Holdings
- Net interest income: $9.8M (92%)
- Noninterest income: $804K (8%)
Questions
Which is bigger, Citizens Community Bancorp or Provident Financial Holdings?
Citizens Community Bancorp is the larger company: $17.4M of revenue in its latest quarter (Q3 2026) against $10.6M for Provident Financial Holdings (Q1 FY27).
Is Citizens Community Bancorp or Provident Financial Holdings growing faster?
Provident Financial Holdings is growing faster (+8% against +7% a year earlier).
Which is more profitable, Citizens Community Bancorp or Provident Financial Holdings?
Citizens Community Bancorp is more profitable, with an operating margin of 38.1% against 20.6%.
More: Citizens Community Bancorp earnings · how Citizens Community Bancorp makes money · Provident Financial Holdings earnings · how Provident Financial Holdings makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 9, 2026; 10-Q filed Nov 6, 2026). Fiscal quarters can end on different dates. Not investment advice.