Welcome to our dedicated page for Citizens Community Bancorp news (Ticker: CZWI), a resource for investors and traders seeking the latest updates and insights on Citizens Community Bancorp stock.
Citizens Community Bancorp, Inc. (CZWI) is the parent company of Citizens Community Federal N.A. and reports detailed quarterly financial and operating results through press releases and SEC filings. The news flow for CZWI centers on earnings announcements, balance sheet trends, credit quality metrics and capital management decisions, providing investors with regular insight into the company’s community banking activities.
Recent news releases describe quarterly net income and earnings per diluted share, movements in net interest income and net interest margin, and changes in non-interest income and non-interest expense. They also highlight provisions for credit losses, the level of the allowance for credit losses on loans and unfunded commitments, and developments in special mention loans, substandard loans and nonperforming assets. Management commentary often explains how loan payoffs, loan originations, deposit pricing and macroeconomic assumptions influence these results.
Citizens Community Bancorp’s news coverage also includes information on capital and shareholder actions. The company has announced stock repurchase authorizations, share repurchase activity and annual dividend decisions, as well as changes in book value per share, tangible book value per share and tangible common equity ratios. Updates on liquidity, deposit mix across consumer, commercial, public and brokered categories, and the use or repayment of Federal Home Loan Bank advances are recurring topics.
On Stock Titan’s CZWI news page, readers can review these earnings releases, capital actions and other company communications in one place. This allows investors, analysts and interested observers to follow trends in Citizens Community Bancorp’s profitability, credit quality, funding profile and capital management over time.
Citizens Community Bancorp (Nasdaq: CZWI) reported Q4 2025 net income of $4.3M and diluted EPS of $0.44, up from $3.7M/$0.37 in Q3 2025 and $2.7M/$0.27 in Q4 2024. Full-year 2025 earnings were $14.4M or $1.46 per diluted share.
Key drivers: loan growth of $17.3M (Q4), deposit growth of $43.5M, modest NIM compression to 3.15%, lower provision for credit losses of $0.20M, tangible book value up to $16.23 per share (non-GAAP), and book value per share of $19.54 at 12/31/2025.
Capital actions: Board approved a quarterly dividend of $0.105 per share (declared 1/22/2026, payable 2/20/2026, record 2/6/2026) and repurchased ~250,000 shares in Q4 at an average price of $15.99.
Citizens Community Bancorp (Nasdaq: CZWI) reported Q3 2025 earnings of $3.7M, $0.37 diluted EPS, up from $0.33 in Q2 2025 and $0.32 in Q3 2024. Nine‑month 2025 earnings were $10.1M, $1.02 EPS.
Key drivers: net interest income of $13.2M, provision for credit losses of $0.65M, noninterest income of $3.0M, and noninterest expense of $11.1M. Book value rose to $18.95 and tangible book value to $15.71 (a 3.7% linked‑quarter increase). Allowance for credit losses on loans was $22.2M (1.68% of loans) covering 141% of nonperforming loans
Balance sheet moves: loans declined $22.6M to $1.323B; nonperforming assets rose to $16.7M. The company redeemed $15M of 6% subordinated debt on Sept 1, 2025, and repurchased ~136k shares under a new 5% buyback.
Citizens Community Bancorp (NASDAQ:CZWI) reported Q2 2025 earnings of $3.3 million, or $0.33 per diluted share, up from $3.2 million ($0.32/share) in Q1 2025 but down from $3.7 million ($0.35/share) in Q2 2024. Key highlights include a $1.7 million increase in net interest income to $13.3 million and net interest margin improvement of 42 basis points to 3.27%.
The bank's asset quality showed mixed results with nonperforming assets decreasing by $1.5 million to $13.0 million, while special mention loans increased by $8.2 million to $23.2 million. The Board authorized a new 5% common stock buyback program of 499,000 shares and approved the redemption of $15 million in subordinated debentures.
Total deposits decreased by $45.2 million to $1.48 billion, while the allowance for credit losses increased to 1.59% of total loans.Citizens Community Bancorp (CZWI) reported Q1 2025 earnings of $3.2 million, or $0.32 per diluted share, up from $2.7 million ($0.27/share) in Q4 2024 but down from $4.1 million ($0.39/share) in Q1 2024. Book value per share increased to $18.02, up 8% year-over-year, while tangible book value rose 10.1% to $14.79. Net interest income slightly decreased to $11.6 million, with net interest margin improving to 2.85%. Total deposits grew by $35.5 million to $1.524 billion, while loans decreased by $16.3 million to $1.353 billion. The bank maintains strong liquidity with no FHLB advances and an efficiency ratio of 73%.
Citizens Community Bancorp (CZWI) reported Q4 2024 earnings of $2.7 million ($0.27 per diluted share), down from $3.3 million ($0.32 per share) in Q3 2024 and $3.7 million ($0.35 per share) in Q4 2023. Key highlights include:
Net interest income increased $0.4 million to $11.7 million, with net interest margin rising 16 basis points to 2.79%. The company recorded a negative provision for credit losses of $0.45 million. Total loans decreased by $55.8 million to $1.369 billion, while deposits decreased by $32.5 million to $1.49 billion.
The Board of Directors increased the annual dividend by 12.5% to $0.36 per share. Book value per share improved to $17.94, and tangible book value per share increased 9.5% year-over-year to $14.69. The company repurchased 94,000 shares at an average price of $14.55 during Q4 2024.
Citizens Community Bancorp reported Q3 2024 earnings of $3.3 million ($0.32 per diluted share), compared to $3.7 million ($0.35 per share) in Q2 2024 and $2.5 million ($0.24 per share) in Q3 2023. Book value per share improved to $17.88, with tangible book value reaching $14.64. Key highlights include: net interest income decreased $0.3 million from Q2, deposits increased $1.1 million despite a $30.1 million decrease in brokered deposits, and nonperforming assets rose to $17.1 million. The company maintained a healthy reserve for credit losses at 1.47% of total loans and repurchased 223,000 shares at an average price of $12.91.
Citizens Community Bancorp, Inc. (CZWI) reported Q2 2024 earnings of $3.7 million, or $0.35 per diluted share. Key highlights include:
1. Net interest income decreased to $11.6 million, with a net interest margin of 2.72%.
2. Negative provision for credit losses of $1.525 million due to improved credit quality and economic outlook.
3. Non-interest income decreased to $1.9 million, mainly due to lower gains on sale of SBA loans.
4. Non-interest expenses decreased to $10.3 million, primarily due to lower SBA recourse reserves.
5. Gross loans decreased by $21.7 million to $1.43 billion.
6. Total deposits decreased by $7.9 million to $1.52 billion.
7. Board approved an additional 5% stock buyback authorization.
8. Book value per share improved to $17.10, and tangible book value per share increased to $13.91.
Citizens Community Bancorp, Inc. reported Q1 2024 earnings of $0.39 per share, with a net interest income increase and higher non-interest income. They saw a decrease in nonperforming assets by 31% and criticized assets by 25%.
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