Citizens Community Bancorp, Inc. (CZWI) Quarterly Income Statement

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Citizens Community Bancorp, Inc. (CZWI) quarterly income statement — complete revenue, gross profit & net income history

Quarterly statement

CZWI Income Statement

Citizens Community Bancorp, Inc. (CZWI) annual income statement — 23-year revenue, gross profit & net income history

Annual Quarterly

Metric	Q2'26	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

Net Interest Income	13.5M	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
NII Growth %	1.45%	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%
Net Interest Margin %	0.74%	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%
Interest Income	22.03M	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
Interest Expense	8.53M	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
Loan Loss Provision	0	750K	0	650K	1.35M	-250K	-450K	-400K	-1.52M	-800K	-650K	-325K	450K	50K	700K	375K	400K	0	1K	0
Non-Interest Income	0	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
Non-Interest Income %	0%	18.42%	-194.92%	18.63%	17.56%	18.25%	13.08%	20.2%	14.3%	21.52%	17.43%	16.9%	20%	15.35%	18.34%	14.64%	14.27%	17.12%	23.66%	20.14%
Total Net Revenue	13.5M	15.95M	4.43M	16.24M	16.15M	14.18M	13.47M	14.14M	13.51M	15.17M	14.23M	14.59M	14.61M	15.12M	17.73M	16.94M	16.64M	15.89M	18.84M	17.14M
Revenue Growth %	-16.37%	12.44%	-67.11%	14.84%	19.55%	-6.5%	-5.32%	-3.05%	-7.54%	0.35%	-19.75%	-13.88%	-12.22%	-4.85%	-5.89%	-1.18%	-0.07%	-6.86%	3.48%	1.44%
Non-Interest Expense	14.87M	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
Efficiency Ratio	110.15%	66.25%	240.9%	68.07%	66.58%	73.74%	78.41%	73.23%	76.38%	71.05%	71.74%	67.66%	67.46%	67.15%	60.43%	66.63%	62.87%	60.9%	56.13%	60.23%
Operating Income	-1.37M	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
Operating Margin %	-10.15%	29.04%	-140.9%	27.92%	25.06%	28.02%	24.93%	29.59%	34.91%	34.23%	32.83%	34.57%	29.46%	32.52%	35.62%	31.16%	34.72%	39.1%	43.88%	39.77%
Operating Income Growth %	-133.85%	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%
Pretax Income	1.24M	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
Pretax Margin %	9.16%	29.04%	110.27%	27.92%	25.06%	28.02%	24.93%	29.59%	34.91%	34.23%	32.83%	34.57%	29.46%	32.52%	35.62%	31.16%	34.72%	39.1%	43.88%	39.77%
Income Tax	135K	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
Effective Tax Rate %	10.91%	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%
Net Income	1.1M	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
Net Margin %	8.16%	23.55%	96.41%	22.67%	20.25%	22.54%	20.06%	23.24%	27.21%	26.95%	25.96%	17.13%	21.95%	24.23%	26.49%	23.58%	26.24%	29.62%	32.15%	29.16%
Net Income Growth %	-66.3%	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%
Net Income (Continuing)	1.1M	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
EPS (Diluted)	0.11	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
EPS Growth %	-66.67%	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%
EPS (Basic)	0.11	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
Diluted Shares Outstanding	10.02M	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