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Citizens Community Bancorp (CZWI)

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Earnings summaries and quarterly performance for 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 $0.33 per share.
Jan 22, 2026, 9:30 PM
Citizens Community Bancorp to Present at Investor Conference and Reports Q3 2025 Financials
CZWI
Earnings
Share Buyback
  • Citizens Community Bancorp, Inc. (CZWI) management, including Chairman, President & CEO Stephen Bianchi and CFO James S. Broucek, will participate in the Hovde Group Financial Services Conference on November 6-7, 2025, to present to institutional investors.
  • The company's financial performance for the most recent quarters is summarized below :
MetricQ1 2025Q2 2025Q3 2025
Net Income ($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