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Citizens Community Bancorp
Citizens Community Bancorp (CZWI) investor relations material
Citizens Community Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary26 Jan, 2026
Executive summary
Achieved steady balance sheet growth in modest, diverse markets, supported by strong asset quality and capital ratios.
EPS expansion, quarterly dividend, and share buyback program in place, with board and executive management owning 6% of shares.
Strategic transformation from a consumer to a commercial bank, enhancing earnings profile and franchise value.
Reported Q4 2025 net income of $4.3 million ($0.44/share), up from $3.7 million ($0.37/share) in Q3 2025 and $2.7 million ($0.27/share) in Q4 2024.
Full-year 2025 net income was $14.4 million ($1.46/share), compared to $13.8 million ($1.34/share) in 2024.
Financial highlights
Net income for 2025 was $14.4M, with quarterly net income rising from $3.2M in Q1 to $4.3M in Q4.
Diluted EPS for 2025 was $1.46, with quarterly EPS increasing from $0.32 in Q1 to $0.44 in Q4.
Net interest income for Q4 2025 was $13.1M, up from $11.7M year-over-year; net interest margin was 3.15% in Q4.
Book value per share at year-end 2025 was $19.54; tangible book value per share was $16.23.
Non-interest expense decreased $0.4M sequentially to $10.7M in Q4 2025.
Outlook and guidance
Performance objectives target ROA above 1% and ROATCE above 12%, with efficiency ratio in the low to mid-60% range.
Management anticipates continued net interest margin expansion as pandemic-era loans reprice, supporting stronger future earnings.
Maintain tangible common equity above 8% to support organic growth, dividends, buybacks, and M&A.
The new quarterly dividend policy is expected to provide more regular shareholder returns.
Additional tax credit funding in 2026 is expected to further lower the effective tax rate.
Assess risk of new special mention CRE loans
Detail NIM expansion drivers for 2026
Future capital deployment for share repurchases
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Next Citizens Community Bancorp earnings date
Q1 202626 Apr, 2026
Citizens Community Bancorp
Next Citizens Community Bancorp earnings date
Q1 202626 Apr, 2026
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Frequently asked questions
Citizens Community Bancorp Inc. is a financial holding company that operates through its subsidiary, Citizens Community Federal N.A. The company provides a range of banking products and services to individuals, small to medium-sized businesses, and agricultural customers. Its offerings include personal and business banking services, such as checking and savings accounts, loans, mortgages, and credit facilities. Additionally, the company offers services like online and mobile banking, cash management, and treasury services. Citizens Community Bancorp Inc. primarily serves communities in Wisconsin, Minnesota, and Michigan. The company is headquartered in Eau Claire, Wisconsin, and its shares are listed on the NASDAQ.
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