CZWI
Citizens Community Bancorp, Inc.18.45
+0.01+0.05%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
178.22MP/E (TTM)
14.30Basic EPS (TTM)
1.29Dividend Yield
0.02%Recent Filings
10-Q
Q3 FY2025 results
Citizens Community Bancorp posted solid Q3 FY2025 results, with net interest income climbing 17% year-over-year to $13.2M on a 57 basis point drop in funding costs, while asset yields edged up 4 basis points to offset a 4% dip in earning assets (derived). Earnings per share held steady at $0.37, matching last year, as a $0.7M provision for credit losses reflected higher impaired loan reserves amid a $9M multi-family addition to nonaccruals, up from a $0.4M benefit in Q3 2024. Non-interest income rose 3% to $3.0M, driven by 32% higher loan sale gains, though compensation costs jumped 10% on raises and incentives. Cash swelled 64% to $82.4M, FHLB debt cleared, and total borrowings fell to $46.8M; the bank stays well-capitalized at 14.6% Tier 1. Yet competition from larger banks squeezes deposit pricing in rural markets.
8-K
Q3 earnings up to $0.37/share
Citizens Community Bancorp reported Q3 2025 net income of $3.7 million, or $0.37 per diluted share, up from $3.3 million in Q2, driven by a lower $0.65 million provision for credit losses versus $1.35 million previously, plus $0.2 million higher non-interest income from loan sales, despite a slight $0.1 million dip in net interest income to $13.2 million. Tangible book value per share rose 3.7% to $15.71, with TCE at 9.13% of tangible assets, bolstering capital for buybacks—136,000 shares repurchased at $14.93 average—while redeeming $15 million in 6% subordinated debt on September 1. Nonperforming assets climbed to $16.7 million on a $9 million multifamily loan shift, yet net recoveries hit $51,000 and ACL covers 141% of nonperformers. Middle-income stress lingers amid rising costs.
10-Q
Q2 FY2025 results
Citizens Community Bancorp's Q2 FY2025 results showed net interest income climbing 15% year-over-year to $13.3M, driven by $0.7M in interest recovered from nonaccrual loan payoffs and a net interest margin expansion to 3.27% from 2.72%, though quarterly income dipped slightly amid a shrinking loan book. Provision for credit losses swung to $1.35M from a $1.53M benefit last year, reflecting three new delinquent commercial relationships and worsening economic forecasts, while non-interest income surged 48% on equity gains and loan sales. Liquidity strengthened with cash at $67.5M and no FHLB debt, supporting a solid equity base of $183.5M. Yet competition from larger banks pressures deposit growth in rural markets.
8-K
Q2 earnings up; buyback authorized
Citizens Community Bancorp reported Q2 2025 net income of $3.3 million, or $0.33 per diluted share, up from $3.2 million in Q1, driven by net interest income rising 9.4% to $13.3 million on a 42 bps net interest margin expansion to 3.27%, fueled by loan payoffs and lower deposit costs—yet a $1.35 million credit loss provision reflected rising delinquencies. Tangible book value per share climbed 2.4% to $15.15, bolstering the 8.89% tangible common equity ratio. On July 24, the board authorized repurchasing 499,000 shares, or 5% of outstanding stock, at management's discretion amid solid business activity.
8-K
Notes redemption approved
Citizens Community Bancorp approved the full redemption of its $15 million 6.00% fixed-to-floating rate subordinated notes due September 1, 2030, on July 7, 2025, with the redemption set for September 1, 2025, covering principal plus accrued interest. This move clears a long-term debt obligation early, potentially easing balance sheet pressures amid interest rate volatility. Redemption proceeds in full. Forward-looking statements highlight risks like economic conditions and regulatory changes.
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