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Western New England Bancorp vs Citizens Community Bancorp: WNEB and CZWI compared
Western New England Bancorp is the larger company: $23.9M of revenue in its latest quarter (Q3 2026) against $17.4M for Citizens Community Bancorp (Q3 2026). Western New England Bancorp is growing faster (+12% against +7% a year earlier). Citizens Community Bancorp is more profitable, with an operating margin of 38.1% against 35.0%.
Where the money goes: WNEB and CZWI
Western New England Bancorp (WNEB) · Q3 2026
Western New England Bancorp, Q3 2026: revenue $23.9M (+12% year over year), operating margin 35.0%, net earnings $6.3M, operating cash flow $7.5M. 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.
| Western New England Bancorp (WNEB) | Citizens Community Bancorp (CZWI) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $23.9M | $17.4M |
| Revenue growth, Y/Y | +12% | +7% |
| Operating margin | 35.0% | 38.1% |
| Net earnings | $6.3M | $5.4M |
| Net margin | 26.4% | 31.1% |
| Operating cash flow | $7.5M | $5.5M |
| Free cash flow | $7.1M | $5.1M |
Where the revenue comes from
Western New England Bancorp
- Net interest income: $20.0M (84%)
- Noninterest income: $3.9M (16%)
Citizens Community Bancorp
- Net interest income: $14.5M (83%)
- Noninterest income: $2.9M (17%)
Questions
Which is bigger, Western New England Bancorp or Citizens Community Bancorp?
Western New England Bancorp is the larger company: $23.9M of revenue in its latest quarter (Q3 2026) against $17.4M for Citizens Community Bancorp (Q3 2026).
Is Western New England Bancorp or Citizens Community Bancorp growing faster?
Western New England Bancorp is growing faster (+12% against +7% a year earlier).
Which is more profitable, Western New England Bancorp or Citizens Community Bancorp?
Citizens Community Bancorp is more profitable, with an operating margin of 38.1% against 35.0%.
More: Western New England Bancorp earnings · how Western New England 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 5, 2026; 10-Q filed Nov 9, 2026). Fiscal quarters can end on different dates. Not investment advice.