Citizens Community Bancorp announces Q3 earnings per share of 37 cents, up from 32 cents a year ago.
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Oct 27 2025
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Book Value Improvement: Book value per share increased to $18.95 as of September 30, 2025, up from $18.36 in June 2025 and $17.88 in September 2024, indicating a strengthening balance sheet.
Earnings and Capital Growth: Earnings met expectations with a tangible capital ratio exceeding 9.1%, and tangible book value rose 3.7% to $15.71 per share, supported by strong net interest margins and non-interest income from mortgage and SBA gains.
Credit Quality and Loan Performance: The company reported net loan recoveries of $51 thousand and a $7 million decrease in criticized assets, although there was a $3.4 million increase in substandard loans, with the allowance for credit losses (ACL) rising to 1.68%.
Economic Pressures: Despite low unemployment rates, middle-income consumers and smaller businesses are experiencing stress due to rising costs and slowing income growth, as noted by CEO Stephen Bianchi.
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About CZWI
Citizens Community Bancorp, Inc. is a bank holding company for Citizens Community Federal N.A. (the Bank). The Bank is a federally chartered national bank serving customers in Wisconsin and Minnesota. Its primary markets include the Chippewa Valley Region in Wisconsin, the Twin Cities and Mankato markets in Minnesota, and various rural communities around these areas. The Bank offers traditional community banking services to businesses, agricultural operators and consumers, including one-to-four family residential mortgages. The Bank offers a variety of loan products including commercial real estate loans, commercial and industrial (C&I) loans, agricultural real estate loans, agricultural operating loans, residential mortgages, home equity lines-of-credit and consumer loans. It maintains a portfolio of investments, consisting primarily of mortgage-backed securities, asset-backed securities, the United States Government sponsored agency securities and corporate debt securities.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Citizens Community Bancorp Q4 Financial Highlights
- Earnings Performance: Citizens Community Bancorp reported a GAAP EPS of $0.44 for Q4 2025, indicating stable profitability despite market challenges.
- Revenue Growth: The company achieved revenue of $15.75 million in the quarter, reflecting effective market strategies in retail and public deposits.
- Nonperforming Assets: Nonperforming assets remained flat at $16.7 million as of December 31, 2025, compared to September 30, 2025, demonstrating stability in asset quality management.
- Deposit Increase: Total deposits increased by $43.5 million during Q4 2025 to $1.524 billion, primarily driven by growth in retail consumer deposits and seasonal public deposits, enhancing the company's liquidity and market competitiveness.
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Citizens Community Bancorp (CZWI) Stock Rises 71% Over Five Years
- Significant Stock Growth: Citizens Community Bancorp's share price has increased by 71% over the past five years, significantly outperforming the market average, indicating strong investor confidence and company performance.
- Earnings Growth: During the same period, the company's earnings per share (EPS) achieved a compound annual growth rate of 3.9%, which, while lower than the stock price's annual growth of 11%, still reflects stable profitability.
- Enhanced Shareholder Returns: Over the last five years, Citizens Community Bancorp's total shareholder return (TSR) reached 91%, far exceeding the share price return, highlighting the positive impact of the company's dividend policy on investors.
- Management Confidence: Significant insider purchases in the past year reflect confidence in future growth, although future earnings will be crucial for shareholder profitability.
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