CZWI

Citizens Community Bancorp, Inc. (CZWI) came out with quarterly earnings of $0.39 per share, beating the Zacks Consensus Estimate of $0.36 per share. This compares to earnings of $0.32 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +8.33%. A quarter ago, it was expected that this company would post earnings of $0.37 per share when it actually produced earnings of $0.44, delivering a surprise of +18.92%. Over the last four quarters, the company has surpassed consensus EPS estimates three times. Citizens Community Bancorp, which belongs to the Zacks Financial - Savings and Loan industry, posted revenues of $16.11 million for the quarter ended March 2026, surpassing the Zacks Consensus Estimate by 2.61%. This compares to year-ago revenues of $14.19 million. The company has topped consensus revenue estimates four times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Citizens Community Bancorp shares have added about 15.8% since the beginning of the year versus the S&P 500's gain of 4.7%. While Citizens Community Bancorp has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Citizens Community Bancorp was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market...

EAU CLAIRE, Wis., April 27, 2026 (GLOBE NEWSWIRE) -- Citizens Community Bancorp, Inc. (the “Company”) (Nasdaq: CZWI), the parent company of Citizens Community Federal N.A. (the “Bank” or “CCFBank”), today reported earnings of $3.8 million and earnings per diluted share of $0.39 for the first quarter ended March 31, 2026, compared to $4.3 million and earnings per diluted share of $0.44 for the quarter ended December 31, 2025, and $3.2 million and $0.32 earnings per diluted share for the quarter ended March 31, 2025, respectively. The Company’s first quarter 2026 operating results reflected the following changes from the fourth quarter of 2025: (1) loan growth of $17.9 million, or 1.3%; (2) deposit growth of 2.7% to $1.57 billion; (3) an increase in net interest margin of 3 basis points highlighted by a 5 basis points increase in loan yields and an 8 basis point decline in deposit costs partially offset by a decline in cash and investment yields; (4) a slight decrease in net interest income largely due to the impact of 2 fewer business days during the first quarter; (5) increased provision for credit losses of $0.55 million; (6) higher non-interest income of $0.4 million; (7) higher non-interest expense of $0.1 million; and (8) higher tax expense of $0.3 million. Book value per share improved to $19.82 at March 31, 2026, compared to $19.54 at December 31, 2025, and $18.02 at March 31, 2025. Tangible book value per share (non-GAAP)1 was $16.52 at March 31, 2026, compared to $16.23 at December 31, 2025, and increased 11.7% from $14.79 at March 31, 2025. For the first quarter of 2026, the increase in tangible book value was primarily due to the increase in net income in the quarter, along with the impact of lower unrealized losses on the available for sale investment portfolio, partially offset by payment of the quarterly dividend. Stockholders’ equity as a percentage of total assets was 10.47% at March 31, 2026, compared to 10.55% at December 31, 2025, with the decline largely due to modest asset growth. Tangible common equity (“TCE”) as a percent of tangible assets (non-GAAP)1 was 8.88% at March 31, 2026, compared to 8.92% at December 31, 2025. “Loan and deposit growth held strong even during the seasonal low point of our year with loans expanding at an annualized rate of 5.3% from the linked quarter. Mortgage and government guaranteed lending activities were a...

West Bancorp (WTBA) came out with quarterly earnings of $0.61 per share, beating the Zacks Consensus Estimate of $0.59 per share. This compares to earnings of $0.46 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +3.39%. A quarter ago, it was expected that this holding company for West Bank would post earnings of $0.57 per share when it actually produced earnings of $0.61, delivering a surprise of +7.02%. Over the last four quarters, the company has surpassed consensus EPS estimates four times. West Bancorp, which belongs to the Zacks Financial - Savings and Loan industry, posted revenues of $26.94 million for the quarter ended March 2026, missing the Zacks Consensus Estimate by 0.23%. This compares to year-ago revenues of $23.1 million. The company has topped consensus revenue estimates three times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. West Bancorp shares have added about 6.6% since the beginning of the year versus the S&P 500's gain of 4.3%. While West Bancorp has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for West Bancorp was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's...

EAU CLAIRE, Wis., Jan. 26, 2026 (GLOBE NEWSWIRE) -- Citizens Community Bancorp, Inc. (the “Company”) (Nasdaq: CZWI), the parent company of Citizens Community Federal N.A. (the “Bank” or “CCFBank”), today reported earnings of $4.3 million and earnings per diluted share of $0.44 for the fourth quarter ended December 31, 2025, compared to $3.7 million and earnings per diluted share of $0.37 for the third quarter ended September 30, 2025, and $2.7 million and $0.27 earnings per diluted share for the quarter ended December 31, 2024, respectively. For the twelve months ended December 31, 2025, the Company reported earnings of $14.4 million and earnings per diluted share of $1.46 compared to the prior year period of $13.8 million and earnings per diluted share of $1.34. The Company’s improved fourth quarter 2025 operating results reflected the following changes from the third quarter of 2025: (1) loan growth of $17.3 million, or 1.3% and deposit growth of $43.5 million, or 2.9%; (2) a decrease in net interest income of $0.1 million, largely due to a decrease of $0.4 million in the recognition of interest income in the third quarter from loan payoffs; (3) lower provision for credit losses of $0.2 million compared to a $0.7 million provision in the third quarter; (4) lower non-interest income of $0.3 million; (5) lower non-interest expense of $0.4 million; (6) lower tax expense of $0.2 million due to a lower effective tax rate realized through purchased tax credits; and (7) fewer shares outstanding due to the repurchase of approximately 250,000 shares during the quarter. Book value per share improved to $19.54 at December 31, 2025, compared to $18.95 at September 30, 2025, and $17.94 at December 31, 2024. Tangible book value per share (non-GAAP)1 was $16.23 at December 31, 2025, compared to $15.71 at September 30, 2025, and increased 10.5% from $14.69 at December 31, 2024, with dividends paid of 2.45% of the December 31, 2024 tangible book value. Since December 31, 2024, the Company has paid dividends to shareholders totaling $0.36 per share. For the fourth quarter of 2025, the increase in tangible book value was primarily due to the increase in net income in the quarter, along with the impact of lower unrealized losses on the available for sale investment portfolio. Stockholders’ equity as a percentage of total assets was 10.55% at December 31, 2025, compared to 10....

Citizens Community Bancorp, Inc. (CZWI) came out with quarterly earnings of $0.44 per share, beating the Zacks Consensus Estimate of $0.37 per share. This compares to earnings of $0.27 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +18.92%. A quarter ago, it was expected that this company would post earnings of $0.37 per share when it actually produced earnings of $0.37, delivering no surprise. Over the last four quarters, the company has surpassed consensus EPS estimates three times. Citizens Community Bancorp, which belongs to the Zacks Financial - Savings and Loan industry, posted revenues of $15.76 million for the quarter ended December 2025, surpassing the Zacks Consensus Estimate by 1.01%. This compares to year-ago revenues of $13.72 million. The company has topped consensus revenue estimates three times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Citizens Community Bancorp shares have added about 2.1% since the beginning of the year versus the S&P 500's gain of 1%. While Citizens Community Bancorp has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Citizens Community Bancorp was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the n...

OceanFirst Financial (OCFC) came out with quarterly earnings of $0.41 per share, beating the Zacks Consensus Estimate of $0.39 per share. This compares to earnings of $0.38 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +6.03%. A quarter ago, it was expected that this holding company for OceanFirst Bank would post earnings of $0.34 per share when it actually produced earnings of $0.36, delivering a surprise of +5.88%. Over the last four quarters, the company has surpassed consensus EPS estimates two times. OceanFirst, which belongs to the Zacks Financial - Savings and Loan industry, posted revenues of $104.69 million for the quarter ended December 2025, surpassing the Zacks Consensus Estimate by 1.94%. This compares to year-ago revenues of $95.56 million. The company has topped consensus revenue estimates three times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. OceanFirst shares have added about 6.4% since the beginning of the year versus the S&P 500's gain of 0.4%. While OceanFirst has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for OceanFirst was unfavorable. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #4 (Sell) for the stock. So, the shares are expected to underperform the market in the near future. You can see the complete list...

Citizens Community Bancorp (CZWI) has posted a 5.2% per year decline in earnings over the past five years, with another year of negative earnings growth now in the books. Net profit margins narrowed to 21.5% from last year’s 23%, while revenue is projected to rise 8.6% annually, trailing the broader US market forecast of 10.1%. As investors digest the lack of meaningful growth, attention pivots to the company’s below-fair-value share price as well as its reputation for good value and an attractive dividend. See our full analysis for Citizens Community Bancorp. Next, we will break down how these headline numbers compare to the market’s narratives and what that might mean for the story investors tell about Citizens Community Bancorp. Curious how numbers become stories that shape markets? Explore Community Narratives Net profit margins landed at 21.5%, down slightly from last year’s 23% but still solidly above many regional peers. This suggests Citizens Community Bancorp continues to manage costs relative to revenue even as top-line growth underwhelms. Stability in the margin, despite negative earnings growth and a slower 8.6% revenue growth outlook versus the US market, strongly supports investors who view the company as a consistently managed, defensive bank. It is surprising that the margin remains healthy even as profit itself declines by 5.2% per year. This challenges assumptions that compressing margins would coincide with much sharper earnings deterioration. With the stock trading at $15.89, well below its DCF fair value estimate of $27.73 and a peer-average price-to-earnings of 15.3x, valuation arguments have become central for both skeptics and optimists. Prevailing market analysis highlights that the discount to fair value and peer multiples makes Citizens Community Bancorp attractive to value-seeking investors. However, there is added tension, as thinner growth prospects and a P/E above the US banking industry average of 11.2x could justify the lower price. Critics highlight that price weakness may be justified by muted revenue and profit forecasts, not just market disinterest. Similarly, valuation bulls must contend with the lack of clear future growth drivers, as stronger sector peers may warrant higher premiums. Citizens Community Bancorp’s blend of “good value” and an attractive dividend, cited as a key reward in the EDGAR summary, stands out ami...

Citizens Community Bancorp, Inc. (CZWI) came out with quarterly earnings of $0.37 per share, in line with the Zacks Consensus Estimate . This compares to earnings of $0.32 per share a year ago. These figures are adjusted for non-recurring items. A quarter ago, it was expected that this company would post earnings of $0.29 per share when it actually produced earnings of $0.33, delivering a surprise of +13.79%. Over the last four quarters, the company has surpassed consensus EPS estimates two times. Citizens Community Bancorp, which belongs to the Zacks Financial - Savings and Loan industry, posted revenues of $16.24 million for the quarter ended September 2025, surpassing the Zacks Consensus Estimate by 5.43%. This compares to year-ago revenues of $14.21 million. The company has topped consensus revenue estimates two times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Citizens Community Bancorp shares have lost about 2.3% since the beginning of the year versus the S&P 500's gain of 15.5%. While Citizens Community Bancorp has underperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Citizens Community Bancorp was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks #1 Rank (...

EAU CLAIRE, Wis., Oct. 27, 2025 (GLOBE NEWSWIRE) -- Citizens Community Bancorp, Inc. (the “Company”) (Nasdaq: CZWI), the parent company of Citizens Community Federal N.A. (the “Bank” or “CCFBank”), today reported earnings of $3.7 million and earnings per diluted share of $0.37 for the third quarter ended September 30, 2025, compared to $3.3 million and earnings per diluted share of $0.33 for the second quarter ended June 30, 2025, and $3.3 million and $0.32 earnings per diluted share for the quarter ended September 30, 2024, respectively. For the nine months ended September 30, 2025, the Company reported earnings of $10.1 million and earnings per diluted share of $1.02 compared to the prior year period of $11.0 million and earnings per diluted share of $1.07. The Company’s improved third quarter 2025 operating results reflected the following changes from the second quarter of 2025: (1) a decrease in net interest income of $0.1 million, due to a decrease of $0.7 million in the recognition of interest income from loan payoffs, partially offset by a $0.4 million increase from higher asset yields and lower deposit costs and one more day of interest income; (2) lower provision for credit losses of $0.65 million compared to a $1.35 million provision in the second quarter; (3) higher non-interest income of $0.2 million; and (4) higher non-interest expense of $0.3 million. Book value per share improved to $18.95 at September 30, 2025, compared to $18.36 at June 30, 2025, and $17.88 at September 30, 2024. Tangible book value per share (non-GAAP)1 was $15.71 at September 30, 2025, compared to $15.15 at June 30, 2025, and a 7.3% increase from $14.64 at September 30, 2024, with dividends paid of 2.44% of the September 30, 2024 tangible book value. Since September 30, 2024, the Company has paid dividends to shareholders totaling $0.36 per share. For the third quarter of 2025, the increase in tangible book value was primarily due to the increase in net income in the quarter, along with the impact of lower unrealized losses on the available for sale investment portfolio. Stockholders’ equity as a percentage of total assets was 10.82% at September 30, 2025, compared to 10.57% at June 30, 2025. Tangible common equity (“TCE”) as a percent of tangible assets (non-GAAP)1 increased to 9.13% at September 30, 2025, compared to 8.89% at June 30, 2025. “Earnings met expectations, an...

Revenue: US$14.8m (flat on 2Q 2024). Net income: US$3.27m (down 11% from 2Q 2024). Profit margin: 22% (down from 25% in 2Q 2024). EPS: US$0.33 (down from US$0.35 in 2Q 2024). Trump has pledged to "unleash" American oil and gas and these 15 US stocks have developments that are poised to benefit. All figures shown in the chart above are for the trailing 12 month (TTM) period Revenue exceeded analyst estimates by 9.8%. Earnings per share (EPS) also surpassed analyst estimates by 14%. Looking ahead, revenue is forecast to grow 9.7% p.a. on average during the next 2 years, compared to a 7.6% growth forecast for the Banks industry in the US. Performance of the American Banks industry. The company's shares are down 1.7% from a week ago. While earnings are important, another area to consider is the balance sheet. We've done some analysis and you can see our take on Citizens Community Bancorp's balance sheet. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team (at) simplywallst.com. This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

Citizens Community Bancorp, Inc. (CZWI) came out with quarterly earnings of $0.33 per share, beating the Zacks Consensus Estimate of $0.29 per share. This compares to earnings of $0.36 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +13.79%. A quarter ago, it was expected that this company would post earnings of $0.27 per share when it actually produced earnings of $0.32, delivering a surprise of +18.52%. Over the last four quarters, the company has surpassed consensus EPS estimates three times. Citizens Community Bancorp, which belongs to the Zacks Financial - Savings and Loan industry, posted revenues of $16.15 million for the quarter ended June 2025, surpassing the Zacks Consensus Estimate by 9.84%. This compares to year-ago revenues of $13.49 million. The company has topped consensus revenue estimates two times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Citizens Community Bancorp shares have lost about 9.3% since the beginning of the year versus the S&P 500's gain of 8.6%. While Citizens Community Bancorp has underperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Citizens Community Bancorp was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market i...

EAU CLAIRE, Wis., July 28, 2025 (GLOBE NEWSWIRE) -- Citizens Community Bancorp, Inc. (the “Company”) (Nasdaq: CZWI), the parent company of Citizens Community Federal N.A. (the “Bank” or “CCFBank”), today reported earnings of $3.3 million and earnings per diluted share of $0.33 for the second quarter ended June 30, 2025, compared to $3.2 million and earnings per diluted share of $0.32 for the quarter ended March 31, 2025, and $3.7 million and $0.35 earnings per diluted share for the quarter ended June 30, 2024, respectively. For the six months ended June 30, 2025, the Company reported earnings of $6.5 million and earnings per diluted share of $0.65 compared to the prior year period of $7.8 million and earnings per diluted share of $0.75. The Company’s second quarter 2025 operating results reflected the following changes from the first quarter of 2025: 1) increase in net interest income of $1.7 million, due to the recognition of $1.1 million of interest income from loan payoffs, which contributed a 27 basis point increase in net interest margin, and a $0.6 million increase resulting from higher asset yields and lower deposit costs, which contributed a 15 basis point increase in net interest margin; 2) a provision for credit losses of $1.35 million compared to a negative provision of $0.25 million in the first quarter largely due to a $9.3 million increase in 30 to 89 day delinquencies and a modest change in macro-economic assumptions; 3) $0.2 million higher non-interest income; and 4) $0.3 million higher non-interest expense. Book value per share improved to $18.36 at June 30, 2025, compared to $18.02 at March 31, 2025, and $17.10 at June 30, 2024. Tangible book value per share (non-GAAP)1 was $15.15 at June 30, 2025, compared to $14.79 at March 31, 2025, and an 8.9% increase from $13.91 at June 30, 2024. For the second quarter of 2025, the increase in tangible book value was primarily due to the increase in net income in the quarter compared to the first quarter. Stockholders’ equity as a percentage of total assets was 10.57% at June 30, 2025, compared to 10.12% at March 31, 2025. Tangible common equity (“TCE”) as a percent of tangible assets (non-GAAP)1 increased to 8.89% at June 30, 2025, compared to 8.45% at March 31, 2025. “The quarter was solid overall with continued margin improvement of 15 bps to 3.00% (42 bps reported), strong net interest income whic...