Citizens Community Bancorp Inc. (CZWI) Form 8-K — Oct 26, 2026
Citizens Community Bancorp (CZWI) reported Q3 2026 earnings of $5.4 million, or $0.56 per diluted share, up sharply from $1.1 million ($0.11) in Q2 and $3.7 million ($0.37) a year ago. The quarter was driven by a 15 bps NIM expansion to 3.37%, net interest income of $14.5 million, and a provision of just $0.13 million versus $4.33 million last quarter. The board approved a 14% increase in the quarterly dividend to $0.12 per share, payable November 20, 2026, and the company repurchased 70,000 shares in the quarter under a 482,500-share buyback authorization from September 2026. PPNR grew 21.1% sequentially to $6.74 million and the efficiency ratio improved to 61%.
Key figures
- Eps
- 0.56
- Revenue
- 0
- Net Income
- 5406000
- Total Debt
- 51925000
- Total Assets
- 1795657000
- Cash Position
- 95444000
- Shares Outstanding
- 9579231
- Roaa
- 1.18%
- Roatce
- 13.70%
- Ppnr q3
- 6737000
- Deposits
- 1536692000
- Acl loans
- 26139000
- Acl ratio
- 1.88%
- Tce ratio
- 9.02%
- Nine month eps
- 1.06
- Criticized loans
- 61200000
- Efficiency ratio
- 61%
- Loans receivable
- 1388878000
- Prior quarter eps
- 0.11
- Substandard loans
- 47600000
- Dividend per share
- 0.12
- Net charge offs q3
- 5000
- Net interest margin
- 3.37%
- Book value per share
- 19.91
- Nonperforming assets
- 32205000
- Year ago quarter eps
- 0.37
- Nine month net income
- 10263000
- Shares repurchased q3
- 70000
- Special mention loans
- 13700000
- Net interest income q3
- 14491000
- Non interest income q3
- 2882000
- Prior quarter provision
- 4325000
- Prior quarter net income
- 1102000
- Dividend increase percent
- 14
- Shares remaining authorized
- 412500
- Year ago quarter net income
- 3682000
- Buyback authorization shares
- 482500
- Tangible book value per share
- 16.62
- Tier 1 leverage ratio company
- 9.7%
- Ppnr growth linked quarter pct
- 21.1
- Provision for credit losses q3
- 125000
AI analysis
The rest of the AI analysis, red flags and sentiment are part of Signal8 Pro.
AI-generated analysis of a public disclosure. Not investment advice; verify against the original document.