Earnings summaries and quarterly performance for Citizens Community Bancorp.
Executive leadership at Citizens Community Bancorp.
Board of directors at Citizens Community Bancorp.
Research analysts covering Citizens Community Bancorp.
Recent press releases and 8-K filings for CZWI.
Citizens Community Bancorp, Inc. to present at investor conference and reports Q4 2025 financial results
CZWI
Earnings
Guidance Update
Share Buyback
- Citizens Community Bancorp, Inc.'s Chairman, President & CEO, Stephen Bianchi, and CFO, James S. Broucek, are scheduled to participate in a meeting with institutional investors at the 2026 CEO Forum on February 4-5, 2026.
- For the fourth quarter of 2025, the company reported Net Income of $4,271 thousand and Diluted EPS of $0.44.
- As of December 31, 2025, key financial metrics included a Return on Average Assets (ROAA) of 0.97%, a Return on Average Tangible Common Equity (ROATCE) of 11.2%, and an Efficiency Ratio of 68%.
- The company's performance objectives are to exceed 1% ROA and 12% ROATCE, while targeting an efficiency ratio in the low to mid 60% range.
Jan 27, 2026, 2:01 PM
Citizens Community Bancorp, Inc. Reports Strong Q4 2025 Earnings and Initiates Quarterly Dividend
CZWI
Earnings
Dividends
Share Buyback
- Citizens Community Bancorp, Inc. reported net income of $4.3 million and diluted earnings per share of $0.44 for the fourth quarter ended December 31, 2025, an increase from $3.7 million and $0.37 per diluted share in the third quarter of 2025. For the full year ended December 31, 2025, earnings were $14.4 million and diluted earnings per share were $1.46.
- The Board of Directors approved a quarterly dividend of $0.105 per share, payable on February 20, 2026, to shareholders of record on February 6, 2026, replacing the company's former annual dividend.
- The company repurchased approximately 250,000 shares during the fourth quarter of 2025 at an average price of $15.99 per share, with approximately 113,000 shares remaining available under the authorization as of December 31, 2025.
- Loans receivable increased by $17.3 million to $1.340 billion, and total deposits increased by $43.5 million to $1.524 billion during the fourth quarter ended December 31, 2025.
- Book value per share improved to $19.54 at December 31, 2025, compared to $18.95 at September 30, 2025. Tangible book value per share (non-GAAP) was $16.23 at December 31, 2025, up from $15.71 at September 30, 2025.
Jan 26, 2026, 1:33 PM
Citizens Community Bancorp, Inc. Reports Q4 and Full Year 2025 Financial Results
CZWI
Earnings
Share Buyback
Dividends
- Citizens Community Bancorp, Inc. (CZWI) reported Q4 2025 diluted EPS as adjusted of $0.44 and net income as adjusted of $4,271 thousand. For the full year 2025, diluted EPS as adjusted was $1.46 and net income as adjusted was $14,420 thousand.
- The company's profitability for Q4 2025 included an annualized return on average assets (ROAA) as adjusted of 0.97% and an annualized return on average tangible common equity (ROATCE) as adjusted of 11.2%.
- CZWI's efficiency ratio as adjusted was 68% for both Q4 2025 and FY 2025. Net interest income for FY 2025 was $51,184 thousand with a net interest margin of 3.12%.
- Capital ratios remained strong at December 2025, with tangible common equity as a percentage of tangible assets at 8.5% and a total capital ratio of 15.5%.
- Asset quality showed net (recoveries) charge-offs/average loans at 0.00% for Q4 2025, and the company repurchased 385,252 shares during FY 2025.
Jan 26, 2026, 1:30 PM
Citizens Community Bancorp Reports Fourth Quarter and Full-Year 2025 Earnings, Approves Quarterly Dividend
CZWI
Earnings
Dividends
Share Buyback
- Citizens Community Bancorp, Inc. reported earnings of $4.3 million and $0.44 per diluted share for the fourth quarter ended December 31, 2025, an increase from $3.7 million and $0.37 per diluted share in the third quarter of 2025.
- For the twelve months ended December 31, 2025, the company reported earnings of $14.4 million and $1.46 per diluted share.
- The Board of Directors approved a new quarterly dividend of $0.105 per share, replacing the former annual dividend, payable on February 20, 2026, to shareholders of record on February 6, 2026.
- The company repurchased approximately 250,000 shares during the fourth quarter ended December 31, 2025, at an average price of $15.99 per share, with 113,000 shares remaining under the authorization as of December 31, 2025.
- Book value per share improved to $19.54 and tangible book value per share increased to $16.23 at December 31, 2025.
Jan 26, 2026, 1:30 PM
Glacier Bancorp, Inc. Announces Q4 and Full Year 2025 Results
CZWI
Earnings
M&A
Dividends
- Glacier Bancorp, Inc. reported net income of $63.8 million for Q4 2025 and $239 million for the full year 2025, with diluted earnings per share of $0.49 and $1.99, respectively.
- The company completed two significant acquisitions in 2025: Bank of Idaho Holding Co. on April 30, 2025, and Guaranty Bancshares, Inc. on October 1, 2025.
- As of December 31, 2025, total assets reached $31.978 billion, total deposits were $24.591 billion, and the loan portfolio stood at $20.928 billion.
- The company declared a quarterly dividend of $0.33 per share.
Jan 22, 2026, 9:30 PM
Citizens Community Bancorp to Present at Investor Conference and Reports Q3 2025 Financials
CZWI
Earnings
Share Buyback
- Citizens Community Bancorp, Inc. (CZWI) management, including Chairman, President & CEO Stephen Bianchi and CFO James S. Broucek, will participate in the Hovde Group Financial Services Conference on November 6-7, 2025, to present to institutional investors.
- The company's financial performance for the most recent quarters is summarized below :
| Metric | Q1 2025 | Q2 2025 | Q3 2025 |
|---|---|---|---|
| Net Income ($USD Thousands) | $3,197 | $3,270 | $3,682 |
| Diluted EPS ($USD) | $0.32 | $0.33 | $0.37 |
| Pre-Provision Net Revenue ($USD Thousands) | $3,724 | $5,397 | $5,185 |
| Total Assets ($USD Thousands) | $1,779,963 | $1,735,164 | $1,726,987 |
| Total Deposits ($USD Thousands) | $1,523,654 | $1,478,416 | $1,480,554 |
| Tangible Common Equity ($USD Thousands) | $147,753 | $151,343 | $154,809 |
| Tangible Book Value Per Share ($USD) | $14.79 | $15.15 | $15.71 |
| Return on Average Assets (%) | 0.74% | 0.75% | 0.84% |
| Return on Average Tangible Common Equity (%) | 9.3% | 9.2% | 9.8% |
| Net Interest Margin (%) | 2.85% | 3.27% | 3.20% |
| Efficiency Ratio (%) | 73% | 66% | 67% |
- The company's performance objectives include optimizing the balance sheet and earnings to support share buybacks and maintain a TCE >8% to weather economic shocks.
Oct 29, 2025, 12:37 PM
Citizens Community Bancorp, Inc. Reports Q3 2025 Earnings and Debt Redemption
CZWI
Earnings
Debt Issuance
Share Buyback
- Citizens Community Bancorp, Inc. reported earnings of $3.7 million and $0.37 per diluted share for the third quarter ended September 30, 2025, an increase from the prior quarter and the same period last year.
- The company redeemed $15 million of 6% subordinated debt on September 1, 2025.
- Book value per share improved to $18.95 and tangible book value per share increased to $15.71 at September 30, 2025, compared to the previous quarter.
- Loans receivable decreased by $22.6 million to $1.323 billion, while nonperforming assets increased by $3.7 million to $16.7 million during the third quarter of 2025.
- The company repurchased approximately 136 thousand shares at an average price of $14.93 per share during the quarter ended September 30, 2025, under a new authorization.
Oct 27, 2025, 12:36 PM
Citizens Community Bancorp Inc. Announces Q3 2025 Results
CZWI
Earnings
- Citizens Community Bancorp Inc. reported basic and diluted earnings per share of $0.37 for the three months ended September 30, 2025, with net income attributable to common shareholders at $3,682 thousand for the same period.
- As of September 30, 2025, the company's agricultural real estate and operating loans had an outstanding balance of $94 million, with criticized loans representing 0.9% of the total.
- The company maintained strong capital ratios as of September 30, 2025, with a Tier 1 leverage ratio of 9.9%, a Tier 1 capital to risk-weighted assets ratio of 11.8%, and a total capital to risk-weighted assets ratio of 15.5%.
- Net loan recoveries for the three months ended September 30, 2025, totaled $51 thousand.
Oct 27, 2025, 12:30 PM
Citizens Community Bancorp Inc. Announces Q3 2025 Results
CZWI
Earnings
Share Buyback
Dividends
- Citizens Community Bancorp Inc. reported Net Income of $3,682 thousand and Diluted EPS of $0.37 for Q3 2025.
- As of September 30, 2025, the company's capital ratios included a Tangible Common Equity to Tangible Assets ratio of 9.1%, a Leverage Ratio of 9.9%, a Common Equity Tier 1 Ratio of 11.8%, and a Total Capital Ratio of 15.5%.
- For Q3 2025, the Net Interest Margin was 3.20% , the Efficiency Ratio was 67% , Return on Average Assets (ROAA) was 0.75%, and Return on Average Tangible Common Equity (ROATCE) was 9.8%.
- The company's earnings and Tangible Common Equity (TCE) profile support double-digit percentage dividend growth and share buyback activity , with 135,252 shares repurchased year-to-date 2025.
- CZWI maintains strong asset quality, with net charge-offs averaging less than 5 basis points since 2017 due to prudent underwriting and disciplined loan administration.
Oct 27, 2025, 12:30 PM
Glacier Bancorp Announces Strong Q3 2025 Results and Acquisition Completions
CZWI
Earnings
M&A
Dividends
- Glacier Bancorp reported net income of $67.9 million for the third quarter of 2025, a 29% increase from the prior quarter, with diluted earnings per share of $0.57.
- Year-to-date net income for the first nine months of 2025 was $175 million, representing a 36% increase from the prior year, and diluted earnings per share was $1.51.
- Net interest income for the third quarter of 2025 increased 9% to $225 million from the prior quarter, and the net interest margin (tax-equivalent) rose by 18 basis points to 3.39%.
- The company completed the acquisition of Bank of Idaho Holding Co. on April 30, 2025, which had $1.365 billion in total assets, and finalized the acquisition of Guaranty Bancshares, Inc. on October 1, 2025, which had $3.111 billion in total assets as of September 30, 2025.
Oct 16, 2025, 8:08 PM
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