CZWI
Citizens Community Bancorp, Inc.18.45
+0.01+0.05%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '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-K
8-K
8-K
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
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