Citizens Community Bancorp, Inc. (CZWI) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 13.01M | 13.06M | 13.21M | 13.31M | 11.59M | 11.71M | 11.29M | 11.58M | 11.9M | 11.75M | 12.12M | 11.69M | 12.79M | 14.48M | 14.46M | 14.27M | 13.17M | 14.38M | 13.69M | 12.83M |
| NII Growth % | 12.21% | 11.59% | 17.09% | 14.99% | -2.61% | -0.33% | -6.9% | -0.94% | -6.96% | -18.86% | -16.16% | -18.09% | -2.83% | 0.67% | 5.62% | 11.19% | 3.16% | 7.55% | 14.94% | 4.29% |
| Net Interest Margin % | 0.71% | 0.73% | 0.77% | 0.77% | 0.65% | 0.67% | 0.63% | 0.64% | 0.65% | 0.63% | 0.66% | 0.64% | 0.69% | 0.8% | 0.81% | 0.81% | 0.74% | 0.83% | 0.78% | 0.75% |
| Interest Income | 21.52M | 24.39M | 22.25M | 22.5M | 21.1M | 21.96M | 22.51M | 22.46M | 22.68M | 22.03M | 21.77M | 20.78M | 19.67M | 19.36M | 17.96M | 16.7M | 15.38M | 16.76M | 16.18M | 15.48M |
| Interest Expense | 8.51M | 11.33M | 9.04M | 9.19M | 9.51M | 10.25M | 11.23M | 10.89M | 10.77M | 10.28M | 9.65M | 9.09M | 6.88M | 4.88M | 3.5M | 2.44M | 2.21M | 2.38M | 2.49M | 2.65M |
| Loan Loss Provision | 750K | 0 | 650K | 1.35M | -250K | -450K | -400K | -1.52M | -800K | -650K | -325K | 450K | 50K | 700K | 375K | 400K | 0 | 1K | 0 | 0 |
| Non-Interest Income | 2.94M | -8.63M | 3.03M | 2.84M | 2.59M | 1.76M | 2.86M | 1.93M | 3.26M | 2.48M | 2.46M | 2.92M | 2.32M | 3.25M | 2.48M | 2.37M | 2.72M | 4.46M | 3.45M | 3.82M |
| Non-Interest Income % | 12.01% | -54.79% | 11.97% | 11.19% | 10.93% | 7.43% | 11.26% | 7.92% | 12.58% | 10.12% | 10.17% | 12.33% | 10.55% | 14.38% | 12.13% | 12.44% | 15.03% | 21% | 17.58% | 19.8% |
| Total Revenue | 24.45M | 15.76M | 25.28M | 25.34M | 23.69M | 23.72M | 25.37M | 24.39M | 25.94M | 24.51M | 24.24M | 23.7M | 21.99M | 22.61M | 20.44M | 19.08M | 18.1M | 21.22M | 19.63M | 19.3M |
| Revenue Growth % | 3.22% | -33.57% | -0.35% | 3.87% | -8.68% | -3.2% | 4.67% | 2.93% | 17.95% | 8.39% | 18.58% | 24.23% | 21.54% | 6.56% | 4.14% | -1.16% | -9.12% | -0.61% | -2.87% | -6.03% |
| Non-Interest Expense | 10.57M | 10.67M | 11.05M | 10.75M | 10.46M | 10.56M | 10.36M | 10.32M | 10.78M | 10.21M | 9.87M | 9.86M | 10.15M | 10.71M | 11.29M | 10.46M | 9.68M | 10.57M | 10.32M | 10.23M |
| Efficiency Ratio | 43.21% | 67.72% | 43.73% | 42.43% | 44.15% | 44.52% | 40.82% | 42.29% | 41.54% | 41.65% | 40.72% | 41.58% | 46.15% | 47.39% | 55.21% | 54.84% | 53.46% | 49.83% | 52.6% | 52.99% |
| Operating Income | 4.63M | -6.24M | 4.54M | 4.05M | 3.97M | 3.36M | 4.18M | 4.71M | 5.19M | 4.67M | 5.04M | 4.3M | 4.92M | 6.32M | 5.28M | 5.78M | 6.21M | 8.27M | 6.82M | 6.43M |
| Operating Margin % | 18.94% | -39.61% | 17.94% | 15.97% | 16.77% | 14.16% | 16.5% | 19.33% | 20.01% | 19.06% | 20.8% | 18.16% | 22.35% | 27.93% | 25.82% | 30.28% | 34.33% | 38.96% | 34.73% | 33.3% |
| Operating Income Growth % | 16.56% | -285.88% | 8.36% | -14.17% | -23.46% | -28.11% | -17% | 9.57% | 5.61% | -26.03% | -4.45% | -25.52% | -20.86% | -23.6% | -22.58% | -10.1% | -16.63% | 71.64% | 43.59% | 53.95% |
| Pretax Income | 4.63M | 4.88M | 4.54M | 4.05M | 3.97M | 3.36M | 4.18M | 4.71M | 5.19M | 4.67M | 5.04M | 4.3M | 4.92M | 6.32M | 5.28M | 5.78M | 6.21M | 8.27M | 6.82M | 6.43M |
| Pretax Margin % | 18.94% | 31% | 17.94% | 15.97% | 16.77% | 14.16% | 16.5% | 19.33% | 20.01% | 19.06% | 20.8% | 18.16% | 22.35% | 27.93% | 25.82% | 30.28% | 34.33% | 38.96% | 34.73% | 33.3% |
| Income Tax | 877K | 614K | 853K | 777K | 777K | 656K | 899K | 1.04M | 1.1M | 978K | 2.54M | 1.1M | 1.25M | 1.62M | 1.28M | 1.41M | 1.51M | 2.21M | 1.82M | 1.72M |
| Effective Tax Rate % | 18.93% | 12.57% | 18.81% | 19.2% | 19.55% | 19.54% | 21.48% | 22.06% | 21.26% | 20.94% | 50.46% | 25.49% | 25.51% | 25.64% | 24.33% | 24.42% | 24.24% | 26.72% | 26.69% | 26.77% |
| Net Income | 3.75M | 4.27M | 3.68M | 3.27M | 3.2M | 2.7M | 3.29M | 3.67M | 4.09M | 3.69M | 2.5M | 3.21M | 3.66M | 4.7M | 3.99M | 4.37M | 4.71M | 6.06M | 5M | 4.71M |
| Net Margin % | 15.36% | 27.1% | 14.56% | 12.91% | 13.49% | 11.39% | 12.95% | 15.07% | 15.76% | 15.07% | 10.31% | 13.53% | 16.65% | 20.77% | 19.54% | 22.89% | 26.01% | 28.55% | 25.46% | 24.38% |
| Net Income Growth % | 17.45% | 58.07% | 12.05% | -11.02% | -21.8% | -26.83% | 31.55% | 14.63% | 11.63% | -21.36% | -37.44% | -26.57% | -22.18% | -22.47% | -20.09% | -7.22% | -14.53% | 69.66% | 43.59% | 53.34% |
| Net Income (Continuing) | 3.75M | 4.27M | 3.68M | 3.27M | 3.2M | 2.7M | 3.29M | 3.67M | 4.09M | 3.69M | 2.5M | 3.21M | 3.66M | 4.7M | 3.99M | 4.37M | 4.71M | 6.06M | 5M | 4.71M |
| EPS (Diluted) | 0.39 | 0.44 | 0.37 | 0.33 | 0.32 | 0.27 | 0.32 | 0.35 | 0.39 | 0.35 | 0.24 | 0.31 | 0.35 | 0.45 | 0.38 | 0.41 | 0.45 | 0.58 | 0.47 | 0.44 |
| EPS Growth % | 21.88% | 62.96% | 15.63% | -5.71% | -17.95% | -22.86% | 33.33% | 12.9% | 11.43% | -22.22% | -36.84% | -24.39% | -22.22% | -22.41% | -19.15% | -6.82% | -10% | 81.25% | 51.61% | 57.14% |
| EPS (Basic) | 0.39 | 0.44 | 0.37 | 0.33 | 0.32 | 0.27 | 0.32 | 0.35 | 0.39 | 0.35 | 0.24 | 0.31 | 0.35 | 0.45 | 0.38 | 0.41 | 0.45 | 0.58 | 0.47 | 0.44 |
| Diluted Shares Outstanding | 9.63M | 9.71M | 10M | 10M | 10M | 10.03M | 10.2M | 10.5M | 10.44M | 10.46M | 10.47M | 10.34M | 10.48M | 10.46M | 10.51M | 10.65M | 10.46M | 10.52M | 10.63M | 10.79M |