8-K Announcements
6Material company update
Apr 27, 2026·SEC
Material company update
Apr 16, 2026·SEC
Material company update
Jan 27, 2026·SEC
Citizens Community Bancorp, Inc.(CZWI)Earnings, Financials & Key Ratios
CZWI•NASDAQ•Banking & Credit
14.6× P/E·Price updated Jun 19, 2026
AboutCitizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal N.A. that provides various traditional community banking services to businesses, agricultural operators, and consumers. The company accepts various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit. It also offers various loan products comprising commercial real estate, commercial and industrial, agricultural real estate, agricultural operating, and consumer loans; and one-to-four family residential mortgages and home equity lines-of-credit. In addition, the company provides a portfolio of investments, such as mortgage-backed, corporate asset-backed, U.S. Government sponsored agency, corporate debt, and trust preferred securities. It operates through a network of 25 full-service branch in Wisconsin and Minnesota. Citizens Community Bancorp, Inc. was founded in 1938 and is based in Eau Claire, Wisconsin.Show more
- Net Interest Income$51M+10.1%
- Total Revenue$90M-9.4%
- Net Income$14M+4.9%
- Return on Equity7.86%+0.7%
- Net Interest Margin2.87%+8.1%
- Efficiency Ratio47.67%+12.8%
- ROA0.82%+6.9%
- Equity / Assets10.55%+3.0%
- Book Value per Share19.36+10.3%
CZWI Key Insights
Citizens Community Bancorp, Inc. (CZWI) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 47.7% efficiency ratio
- ✓Well capitalized: 10.5% equity/assets
- ✓Share count reduced 4.9% through buybacks
- ✓Trading at only 1.1x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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CZWI Price & Volume
Citizens Community Bancorp, Inc. (CZWI) stock price & volume — 10-year historical chart
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CZWI Growth Metrics
Citizens Community Bancorp, Inc. (CZWI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years12.84%
5 Years1.73%
3 Years3.94%
TTM-
Profit CAGR
10 Years17.78%
5 Years2.53%
3 Years-6.71%
TTM4.87%
EPS CAGR
10 Years11.31%
5 Years5.07%
3 Years-4.76%
TTM9.77%
Return on Capital
10 Years6.66%
5 Years7.39%
3 Years5.01%
Last Year0.62%
CZWI Recent Earnings
Citizens Community Bancorp, Inc. (CZWI) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (78%)●Beat Revenue 4/12 qtrs (44%)
Q2 2026Latest
Apr 27, 2026Metric
Actual
Est
EPS
$0.39+8.3%
$0.36
Rev
$16M+2.6%
$16M
Q2 2026
Mar 5, 2026Metric
Actual
Est
EPS
$0.44
—
Rev
$16M
—
Q1 2026
Jan 26, 2026Metric
Actual
Est
EPS
$0.44+18.9%
$0.37
Rev
$16M-4.6%
$16M
Q4 2025
Oct 27, 2025Metric
Actual
Est
EPS
$0.37+0.0%
$0.37
Rev
$16M-0.4%
$16M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 27, 2026 | $0.39vs $0.36+8.3% | $16Mvs $16M+2.6% |
| Q2 2026 | Mar 5, 2026 | $0.44 | $16M |
| Q1 2026 | Jan 26, 2026 | $0.44vs $0.37+18.9% | $16Mvs $16M-4.6% |
| Q4 2025 | Oct 27, 2025 | $0.37vs $0.37+0.0% | $16Mvs $16M-0.4% |
Based on last 12 quarters of dataView full earnings history →
CZWI Peer Comparison
Citizens Community Bancorp, Inc. (CZWI) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 BWFG | 447.93M | 56.18 | 12.62 | 6.13% | 16.95% | 12.21% | 0.60 | |
 HONE | 522.22M | 12.10 | 18.33 | 10.7% | 8.56% | 4.56% | 0.90 | |
 NECB | 356.09M | 25.74 | 7.92 | -1.55% | 28.41% | 13.07% | 0.21 | |
 LKFN | 1.56B | 59.86 | 14.93 | -1.93% | 24.51% | 14.19% | 0.24 | |
 KRNY | 532.62M | 8.47 | 20.17 | 5.09% | 9.41% | 4.31% | 1.68 | |
 NBTB | 2.44B | 46.68 | 14.02 | 10.36% | 18.76% | 9.51% | 0.17 | |
 FBIZ | 503.41M | 60.34 | 9.96 | 6.43% | 18.74% | 14.12% | 0.70 | |
 JACK | 244.14M | 12.80 | -3.04 | -6.75% | 2.82% |
Compare CZWI vs Peers
Citizens Community Bancorp, Inc. (CZWI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CZWI Income Statement
Citizens Community Bancorp, Inc. (CZWI) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Sep'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 22.27M | 30.3M | 43.51M | 50.26M | 53.67M | 56.37M | 48.35M | 46.47M | 51.18M |
NII Growth % | 10.91% | 36.08% | 43.59% | 15.49% | 6.79% | 5.03% | -14.23% | -3.88% | 10.13% |
Net Interest Margin % | 2.37% | 2.35% | 2.84% | 3.05% | 3.08% | 3.1% | 2.61% | 2.66% | 2.87% |
Interest Income | 27.88M | 38.9M | 60.42M | 64.53M | 64.03M | 69.4M | 84.25M | 89.61M | 90.25M |
Interest Expense | 5.61M | 8.59M | 16.91M | 14.27M | 10.37M | 13.03M | 35.9M | 43.14M | 39.07M |
Loan Loss Provision | 319K | -8.59M | 3.52M | 7.75M | 0 | 1.48M | -475K | -3.17M | 1.75M |
Non-Interest Income | 4.44M | -36.16M | 12.8M | 18.14M | 16.02M | 10.82M | 10.19M | 9.81M | -184K |
Non-Interest Income % | 13.73% | -1322.16% | 17.49% | 21.95% | 20.01% | 13.49% | 10.79% | 9.87% | -0.2% |
Total Revenue | 32.31M▲ 0% | 2.73M▼ 91.5% | 73.23M▲ 2577.4% | 82.67M▲ 12.9% | 80.06M▼ 3.2% | 80.22M▲ 0.2% | 94.44M▲ 17.7% | 99.43M▲ 5.3% | 90.07M▼ 9.4% |
Revenue Growth % | 11.43% | -91.54% | 2577.44% | 12.9% | -3.16% | 0.2% | 17.72% | 5.29% | -9.41% |
Non-Interest Expense | 22.56M | 26.85M | 40.52M | 43.37M | 40.73M | 42.14M | 40.08M | 42.01M | 42.94M |
Efficiency Ratio | 69.82% | 981.57% | 55.33% | 52.46% | 50.88% | 52.53% | 42.44% | 42.25% | 47.67% |
Operating Income | 3.82M▲ 0% | 7.29M▲ 90.7% | 12.28M▲ 68.5% | 17.28M▲ 40.8% | 28.96M▲ 67.6% | 23.58M▼ 18.6% | 18.93M▼ 19.7% | 17.45M▼ 7.8% | 6.31M▼ 63.8% |
Operating Margin % | 11.83% | 266.47% | 16.77% | 20.9% | 36.17% | 29.39% | 20.05% | 17.55% | 7.01% |
Operating Income Growth % | -0.96% | 90.69% | 68.45% | 40.75% | 67.59% | -18.57% | -19.71% | -7.83% | -63.82% |
Pretax Income | 3.82M▲ 0% | 7.29M▲ 90.7% | 12.28M▲ 68.5% | 17.28M▲ 40.8% | 28.96M▲ 67.6% | 23.58M▼ 18.6% | 18.93M▼ 19.7% | 17.45M▼ 7.8% | 17.44M▼ 0.1% |
Pretax Margin % | 11.83% | 266.47% | 16.77% | 20.9% | 36.17% | 29.39% | 20.05% | 17.55% | 19.36% |
Income Tax | 1.32M | 2.24M | 2.81M | 4.55M | 7.69M | 5.82M | 5.87M | 3.7M | 3.02M |
Effective Tax Rate % | 34.62% | 30.79% | 22.92% | 26.36% | 26.57% | 24.68% | 31.02% | 21.2% | 17.32% |
Net Income | 2.5M▲ 0% | 5.04M▲ 101.8% | 9.46M▲ 87.6% | 12.72M▲ 34.5% | 21.27M▲ 67.1% | 17.76M▼ 16.5% | 13.06M▼ 26.5% | 13.75M▲ 5.3% | 14.42M▲ 4.9% |
Net Margin % | 7.73% | 184.42% | 12.92% | 15.39% | 26.56% | 22.14% | 13.83% | 13.83% | 16.01% |
Net Income Growth % | -2.88% | 101.84% | 87.61% | 34.47% | 67.12% | -16.48% | -26.47% | 5.3% | 4.87% |
Net Income (Continuing) | 2.5M | 5.04M | 9.46M | 12.72M | 21.27M | 17.76M | 13.06M | 13.75M | 14.42M |
EPS (Diluted) | 0.46▲ 0% | 0.38▼ 17.4% | 0.85▲ 123.7% | 1.14▲ 34.1% | 1.98▲ 73.7% | 1.69▼ 14.6% | 1.25▼ 26.0% | 1.34▲ 7.2% | 1.46▲ 9.0% |
EPS Growth % | -22.03% | -17.39% | 123.68% | 34.12% | 73.68% | -14.65% | -26.04% | 7.2% | 8.96% |
EPS (Basic) | 0.47 | 0.39 | 0.85 | 1.14 | 1.98 | 1.69 | 1.25 | 1.34 | 1.46 |
Diluted Shares Outstanding | 5.38M | 11.13M | 11.12M | 11.16M | 10.73M | 10.51M | 10.47M | 10.2M | 9.71M |
CZWI Balance Sheet
Citizens Community Bancorp, Inc. (CZWI) balance sheet — assets, liabilities & shareholders' equity
| Metric | Sep'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 145.71M | 199.96M | 240.7M | 123.19M | 49.34M | 35.61M | 110.62M | 123.05M | 252.96M |
Cash & Due from Banks | 49.83M | 53.24M | 60.58M | 123.19M | 49.2M | 35.61M | 37.14M | 50.17M | 118.85M |
Short Term Investments | 95.88M | 146.72M | 180.12M | 0 | 140K | 0 | 73.48M | 72.87M | 134.1M |
Total Investments | 838.01M | 1.15B | 1.37B | 1.43B | 1.59B | 1.66B | 1.7B | 1.59B | 1.55B |
Investments Growth % | 31.82% | 37.2% | 19.26% | 4.04% | 11.57% | 4.33% | 2.18% | -6.54% | -2.5% |
Long-Term Investments | 742.13M | 1B | 1.19B | 1.43B | 1.59B | 1.66B | 1.62B | 1.51B | 1.48B |
Accounts Receivables | 3.29M | 4.31M | 4.74M | 5.65M | 3.92M | 5.29M | 5.41M | 5.65M | 1.32B |
Goodwill & Intangibles | 17.78M | 43.46M | 43.37M | 40.24M | 39.56M | 38.21M | 37.06M | 36.14M | 31.89M |
Goodwill | 10.44M | 31.47M | 31.5M | 31.5M | 31.5M | 31.5M | 31.5M | 31.5M | 31.5M |
Intangible Assets | 7.33M | 11.99M | 11.87M | 8.75M | 8.06M | 6.71M | 5.56M | 4.64M | 395K |
PP&E (Net) | 9.64M | 13.51M | 21.11M | 21.16M | 21.17M | 20.49M | 18.37M | 17.07M | 16.36M |
Other Assets | 22.11M | 23.69M | 30.28M | 32.3M | 34.22M | 56.27M | 56.78M | 53.74M | -1.32B |
Total Current Assets | 149M | 204.27M | 245.44M | 128.84M | 53.26M | 40.9M | 116.03M | 128.7M | 1.58B |
Total Non-Current Assets | 791.66M | 1.08B | 1.29B | 1.52B | 1.69B | 1.78B | 1.74B | 1.62B | 204.75M |
Total Assets | 940.66M▲ 0% | 1.29B▲ 36.9% | 1.53B▲ 18.9% | 1.65B▲ 7.7% | 1.74B▲ 5.5% | 1.82B▲ 4.4% | 1.85B▲ 1.9% | 1.75B▼ 5.6% | 1.78B▲ 1.9% |
Asset Growth % | 37.04% | 36.95% | 18.87% | 7.7% | 5.49% | 4.41% | 1.93% | -5.56% | 1.9% |
Return on Assets (ROA) | 0.31% | 0.45% | 0.67% | 0.8% | 1.26% | 1% | 0.71% | 0.76% | 0.82% |
Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 120.32M | 134.46M | 174.53M | 181.83M | 169.95M | 214.94M | 147M | 66.61M | 51.8M |
Net Debt | 70.49M | 81.22M | 113.95M | 58.63M | 120.75M | 179.33M | 109.86M | 16.43M | -67.05M |
Long-Term Debt | 30.32M | 24.65M | 43.56M | 58.33M | 58.43M | 72.41M | 67.47M | 61.61M | 51.8M |
Short-Term Debt | 90M | 109.81M | 130.97M | 123.5M | 111.53M | 142.53M | 79.53M | 5M | 523K |
Other Liabilities | 4.36M | 7.76M | 10.46M | 11.45M | 11.27M | 9.64M | 11.97M | 14.68M | 1.54B |
Total Current Liabilities | 832.5M | 1.12B | 1.33B | 1.42B | 1.5B | 1.57B | 1.6B | 1.49B | 523K |
Total Non-Current Liabilities | 34.68M | 32.41M | 54.02M | 69.78M | 69.7M | 82.05M | 79.44M | 76.29M | 1.59B |
Total Liabilities | 867.18M | 1.15B | 1.38B | 1.49B | 1.57B | 1.65B | 1.68B | 1.57B | 1.59B |
Total Equity | 73.48M▲ 0% | 138.19M▲ 88.1% | 150.55M▲ 8.9% | 160.56M▲ 6.6% | 170.87M▲ 6.4% | 167.09M▼ 2.2% | 173.33M▲ 3.7% | 179.08M▲ 3.3% | 187.94M▲ 4.9% |
Equity Growth % | 15.13% | 88.05% | 8.95% | 6.65% | 6.42% | -2.21% | 3.74% | 3.32% | 4.94% |
Equity / Assets (Capital Ratio) | 7.81% | 10.73% | 9.83% | 9.74% | 9.82% | 9.2% | 9.36% | 10.24% | 10.55% |
Return on Equity (ROE) | 3.64% | 4.77% | 6.55% | 8.18% | 12.83% | 10.51% | 7.67% | 7.8% | 7.86% |
Book Value per Share | 13.66 | 12.41 | 13.54 | 14.38 | 15.93 | 15.89 | 16.56 | 17.55 | 19.36 |
Tangible BV per Share | 10.36 | 8.51 | 9.64 | 10.78 | 12.24 | 12.26 | 13.02 | 14.01 | 16.08 |
Common Stock | 59K | 109K | 113K | 111K | 105K | 104K | 104K | 100K | 96K |
Additional Paid-in Capital | 63.38M | 125.51M | 128.86M | 126.15M | 119.92M | 119.24M | 119.44M | 114.56M | 110.31M |
Retained Earnings | 10.76M | 15.26M | 22.52M | 32.81M | 50.67M | 65.4M | 71.12M | 80.84M | 90M |
Accumulated OCI | -267K | -1.84M | -471K | 1.49M | 161K | -17.66M | -17.33M | -16.42M | -12.47M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CZWI Cash Flow Statement
Citizens Community Bancorp, Inc. (CZWI) cash flow — operating, investing & free cash flow history
| Metric | Sep'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 1.91M | 10.86M | 12.84M | 23.79M | 21.6M | 29.29M | 13.12M | 20.18M | 11.69M |
Operating CF Growth % | -66.43% | 467.43% | 18.25% | 85.3% | -9.19% | 35.6% | -55.19% | 53.73% | -42.05% |
Net Income | 2.5M | 4.28M | 9.46M | 12.72M | 21.27M | 17.76M | 13.06M | 13.75M | 14.42M |
Depreciation & Amortization | 1.12M | 2.03M | 4.17M | 6.63M | 4.04M | 4.03M | 3.74M | 3.42M | 0 |
Deferred Taxes | 1.95M | -194K | -752K | -2.53M | 930K | 1.16M | 202K | 380K | 0 |
Other Non-Cash Items | 585K | 1.62M | 548K | -1.35M | -7.62M | 7.88M | -4.73M | 1.69M | -673K |
Working Capital Changes | -4.27M | 3.1M | -609K | 8.3M | 2.97M | -1.54M | 848K | 936K | -2.05M |
Cash from Investing | 13.79M | -49.46M | -63.33M | -61.81M | -163.2M | -119.19M | -34.2M | 113.74M | 45.71M |
Purchase of Investments | -34.87M | -36.93M | -55.21M | -72.66M | -171.29M | -53.3M | -12.36M | -450K | 0 |
Sale/Maturity of Investments | 47.65M | 10.81M | 60.62M | 70.56M | 82.67M | 36.02M | 27.12M | 22.22M | 0 |
Net Investment Activity | 12.78M | -26.12M | 5.4M | -2.1M | -88.62M | -17.29M | 14.76M | 21.77M | 0 |
Acquisitions | -18.97M | 0 | -8.14M | 1.13M | 0 | 0 | 0 | 13K | 0 |
Other Investing | 20.59M | -20.46M | -53.83M | -58.27M | -70.8M | -98.3M | -47.6M | 92.84M | 45.71M |
Cash from Financing | 15.93M | 31.43M | 60.56M | 101.63M | 69.85M | 77.57M | 22.86M | -120.88M | 11.28M |
Dividends Paid | -842K | -1.18M | -2.2M | -2.37M | -2.51M | -2.74M | -3.04M | -3.35M | -3.6M |
Share Repurchases | -38K | -34K | -53K | -2.85M | -7.98M | -1.91M | -550K | -6.22M | -6.25M |
Stock Issued | 0 | 61.27M | 3.1M | 0 | 0 | 0 | 0 | 0 | 179K |
Net Stock Activity | -38K | 61.23M | 3.05M | -2.85M | -7.98M | -1.91M | -550K | -6.22M | -6.07M |
Debt Issuance (Net) | 1000K | -1000K | 1000K | 1000K | -1000K | 1000K | -1000K | -1000K | -1000K |
Other Financing | -33.22M | 4.08M | 39.76M | 99.67M | 92.46M | 37.66M | 94.61M | -30.71M | 35.95M |
Net Change in Cash | 31.63M▲ 0% | -7.18M▼ 122.7% | 10.06M▲ 240.1% | 63.6M▲ 532.1% | -71.75M▼ 212.8% | -12.33M▲ 82.8% | 1.77M▲ 114.4% | 13.03M▲ 634.3% | 68.68M▲ 426.9% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 10.05M | 41.68M | 45.78M | 55.84M | 119.44M | 47.69M | 35.36M | 37.14M | 50.17M |
Cash at End | 41.68M | 34.49M | 55.84M | 119.44M | 47.69M | 35.36M | 37.14M | 50.17M | 118.85M |
Interest Paid | 5.3M | 8.47M | 17.79M | 13.93M | 10.58M | 12.64M | 33.53M | 39.56M | 38.61M |
Income Taxes Paid | 1.62M | 1.16M | 3.85M | 7.87M | 6.83M | 4.87M | 3.98M | 2.32M | 2.06M |
Free Cash Flow | 1.3M▲ 0% | 7.9M▲ 505.8% | 6.07M▼ 23.2% | 21.21M▲ 249.7% | 17.82M▼ 16.0% | 25.69M▲ 44.1% | 11.76M▼ 54.2% | 19.29M▲ 64.0% | 10.38M▼ 46.2% |
FCF Growth % | -72.47% | 505.83% | -23.23% | 249.74% | -15.99% | 44.13% | -54.23% | 64.05% | -46.17% |
CZWI Banking Ratios
Citizens Community Bancorp, Inc. (CZWI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 4.11% | 3.64% | 4.77% | 6.55% | 8.18% | 12.83% | 10.51% | 7.67% | 7.8% | 7.86% |
Return on Assets (ROA) | 0.41% | 0.31% | 0.45% | 0.67% | 0.8% | 1.26% | 1% | 0.71% | 0.76% | 0.82% |
Net Interest Margin | 2.92% | 2.37% | 2.35% | 2.84% | 3.05% | 3.08% | 3.1% | 2.61% | 2.66% | 2.87% |
Efficiency Ratio | 69.17% | 69.82% | 981.57% | 55.33% | 52.46% | 50.88% | 52.53% | 42.44% | 42.25% | 47.67% |
Equity / Assets | 9.3% | 7.81% | 10.73% | 9.83% | 9.74% | 9.82% | 9.2% | 9.36% | 10.24% | 10.55% |
Book Value / Share | 12.09 | 13.66 | 12.41 | 13.54 | 14.38 | 15.93 | 15.89 | 16.56 | 17.55 | 19.36 |
NII Growth | 8.14% | 10.91% | 36.08% | 43.59% | 15.49% | 6.79% | 5.03% | -14.23% | -3.88% | 10.13% |
Dividend Payout | 24.45% | 33.69% | 23.41% | 23.23% | 18.64% | 11.81% | 15.44% | 23.28% | 24.33% | 24.95% |
Related:CZWI Dividend History·CZWI Revenue History·CZWI Price History·CZWI P/E History·CZWI Financial Ratios·CZWI Institutional Holders
CZWI SEC Filings & Documents
Citizens Community Bancorp, Inc. (CZWI) SEC filings — annual & quarterly reports (10-K, 10-Q)
CZWI Frequently Asked Questions
Citizens Community Bancorp, Inc. (CZWI) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Citizens Community Bancorp, Inc. (CZWI) saw revenue decline by 9.4% over the past year.
Yes, Citizens Community Bancorp, Inc. (CZWI) is profitable, generating $14.4M in net income for fiscal year 2025 (16.0% net margin).
Dividend & Returns
Yes, Citizens Community Bancorp, Inc. (CZWI) pays a dividend with a yield of 1.74%. This makes it attractive for income-focused investors.
Citizens Community Bancorp, Inc. (CZWI) has a return on equity (ROE) of 7.9%. This is below average, suggesting room for improvement.
Industry Metrics
Citizens Community Bancorp, Inc. (CZWI) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.
Citizens Community Bancorp, Inc. (CZWI) has an efficiency ratio of 47.7%. This is excellent, indicating strong cost control.