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First Northern Community Bancorp vs Citizens Community Bancorp: FNRN and CZWI compared
First Northern Community Bancorp is the larger company: $21.0M of revenue in its latest quarter (Q3 2026) against $17.4M for Citizens Community Bancorp (Q3 2026). First Northern Community Bancorp is growing faster (+14% against +7% a year earlier). First Northern Community Bancorp is more profitable, with an operating margin of 39.5% against 38.1%.
Where the money goes: FNRN and CZWI
First Northern Community Bancorp (FNRN) · Q3 2026
First Northern Community Bancorp, Q3 2026: revenue $21.0M (+14% year over year), operating margin 39.5%, net earnings $6.2M, operating cash flow $4.7M. The chart follows the revenue to costs, profit and cash.
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 Northern Community Bancorp (FNRN) | Citizens Community Bancorp (CZWI) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $21.0M | $17.4M |
| Revenue growth, Y/Y | +14% | +7% |
| Operating margin | 39.5% | 38.1% |
| Net earnings | $6.2M | $5.4M |
| Net margin | 29.5% | 31.1% |
| Operating cash flow | $4.7M | $5.5M |
| Free cash flow | $3.9M | $5.1M |
Where the revenue comes from
First Northern Community Bancorp
- Net interest income: $19.4M (92%)
- Noninterest income: $1.6M (8%)
Citizens Community Bancorp
- Net interest income: $14.5M (83%)
- Noninterest income: $2.9M (17%)
Questions
Which is bigger, First Northern Community Bancorp or Citizens Community Bancorp?
First Northern Community Bancorp is the larger company: $21.0M of revenue in its latest quarter (Q3 2026) against $17.4M for Citizens Community Bancorp (Q3 2026).
Is First Northern Community Bancorp or Citizens Community Bancorp growing faster?
First Northern Community Bancorp is growing faster (+14% against +7% a year earlier).
Which is more profitable, First Northern Community Bancorp or Citizens Community Bancorp?
First Northern Community Bancorp is more profitable, with an operating margin of 39.5% against 38.1%.
More: First Northern Community Bancorp earnings · how First Northern Community Bancorp makes money · Citizens Community Bancorp earnings · how Citizens Community Bancorp makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 6, 2026; 10-Q filed Nov 9, 2026). Fiscal quarters can end on different dates. Not investment advice.