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Interchange Income at other companies

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First Financial CorporationTHFF
$214K+18.9%
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First Financial CorporationTHFF
$214K+18.9%
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ChoiceOne FinancialCOFS
$2.14M+2.7%
Farmers & Merchants Bancorp logo
Farmers & Merchants BancorpFMAO
$1.35M+7.0%
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$2.14M+2.7%
Independent Bank Corporation logo
Independent Bank CorporationIBCP
$3.58M+5.5%

Other financials

Income statement

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Revenue$16.1M-0.2%
Net income$1.1M-66.3%
EPS (diluted)$0.11-66.7%

Balance sheet

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Cash & equivalents$121.8M+80.5%
Total debt$633.0K-26.7%
Total equity$191.3M+4.3%
Total assets$1.8B+4.6%

Cash flow

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Operating cash flow$7.9M
CapEx$1.5M+553%
Free cash flow$6.4M

Valuation

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Market cap$201.79M+33.7%
Enterprise value$80.66M-4.3%
P/E15.8×+3.6×
P/S3.1×+0.6×

Profitability

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Net margin19.9%-1.4pp
FCF margin30.1%+17.6pp

Returns & leverage

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Return on equity6.8%-0.1pp
Debt / equity0.0×

Where this comes from

Reported directly by Citizens Community Bancorp in its filing.

Tagged under the XBRL concept czwi:InterchangeIncome.

The source filing: Citizens Community Bancorp’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 4:10 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001367859-26-000050
Line itemThree Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Net interest income after provision for credit losses9,17911,96121,43923,805
Non-interest income:
Service charges on deposit accounts460432920855
Interchange income5565641,0571,082
Loan servicing income5935651,2541,124
Gain on sale of loans4426991,4631,419
Loan fees and service charges129237267357
Net gains on equity securities16099101109

ITEM 1.FINANCIAL STATEMENTS

FAQ

What is Citizens Community Bancorp's interchange income?
Citizens Community Bancorp (CZWI) reported interchange income of $556K in Q2 2026.
How has Citizens Community Bancorp's interchange income changed year-over-year?
Citizens Community Bancorp's interchange income decreased by 1.4% year-over-year, from $564K to $556K.
What is the long-term trend for Citizens Community Bancorp's interchange income?
Over 4 years (2021 to 2025), Citizens Community Bancorp's interchange income has grown at a -1.8% compound annual growth rate (CAGR), from $2.36M to $2.19M.
What does interchange income mean?
Interchange Income as reported by Citizens Community Bancorp, Inc..

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