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An announcement from Citizens Community Bancorp ( (CZWI) ) is now available.
On April 27, 2026, Citizens Community Bancorp, Inc. reported first-quarter 2026 net income of $3.8 million, or $0.39 per diluted share, down from $4.3 million in the fourth quarter of 2025 but up from $3.2 million a year earlier. The quarter featured 1.3% loan growth to $1.36 billion, 2.7% deposit growth to $1.57 billion, a 3-basis-point improvement in net interest margin to 3.18% and higher non-interest income, partly offset by increased credit loss provisions and tax expense.
Book value per share rose to $19.82 and tangible book value climbed to $16.52 as of March 31, 2026, supported by earnings and reduced unrealized securities losses despite dividend payments. Asset quality saw modest deterioration with higher nonperforming assets and special mention and substandard loans, though the allowance for credit losses increased to 1.69% of total loans, while the efficiency ratio improved to 66% and the board declared a quarterly dividend of $0.105 per share payable in May 2026, underscoring continued capital strength and support for shareholder returns.
Spark’s Take on CZWI Stock
According to Spark, TipRanks’ AI Analyst, CZWI is a Neutral.
The score is driven primarily by moderate financial performance—stronger leverage and liquidity/capital support are offset by weakening revenue and a sharp step-down in operating margins. Technicals are currently neutral-to-soft (below short-term averages and slightly negative MACD), while valuation is reasonable and recent corporate actions (recurring quarterly dividend and shareholder-return messaging) provide a positive tailwind.
To see Spark’s full report on CZWI stock, click here.
More about Citizens Community Bancorp
Citizens Community Bancorp, Inc., based in Eau Claire, Wisconsin, is the parent of Citizens Community Federal N.A., a community banking institution. The bank focuses on commercial and industrial lending, commercial real estate, construction finance, residential mortgages and government-guaranteed lending, funded primarily by core deposits across its regional footprint.
Average Trading Volume: 50,765
Technical Sentiment Signal: Buy
Current Market Cap: $198.6M
See more insights into CZWI stock on TipRanks’ Stock Analysis page.