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Citizens Community Bancorp CZWI Net margin

Net margin at other companies

Associated Banc-CorpASB

32.3%—

U.S. BancorpUSB

27%+2.8pp

Wells Fargo & CompanyWFC

25.5%+1.0pp

Citizens Financial Services, Inc.CZFS

34%+6.2pp

Citizens & NorthernCZNC

13.2%-11.4pp

CTB

Community Trust BancorpCTBI

35.5%+1.9pp

Other financials

Income statement

Revenue$16.1M+13.5%

Net income$3.8M+17.5%

EPS (diluted)$0.39+21.9%

Balance sheet

Cash & equivalents$149.2M+48.9%

Total debt$731.0K-24.6%

Total equity$190.9M+6.0%

Total assets$1.8B+2.4%

Cash flow

Operating cash flow$4.0M+146%

CapEx$570.0K+470%

Free cash flow$3.4M+125%

Valuation

Market cap$225.58M+67.4%

Enterprise value$77.1M+14.4%

P/E15.1×+4.2×

P/S3.5×+1.2×

Profitability

FCF margin20.1%-1.7pp

Returns & leverage

Return on equity8.1%+0.8pp

Debt / equity0×0.0×

Where this comes from

Calculated from Citizens Community Bancorp’s reported figures.

net income/total revenue=23.3%

Based on trailing twelve months.

The official record: Citizens Community Bancorp’s 10-Q, filed May 6, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens Community Bancorp's net margin?: Citizens Community Bancorp (CZWI) reported net margin of 23.3% in Q1 2026.
How has Citizens Community Bancorp's net margin changed year-over-year?: Citizens Community Bancorp's net margin increased by 0.8% year-over-year, from 23.1% to 23.3%.
What is the long-term trend for Citizens Community Bancorp's net margin?: Over 5 years (2020 to 2025), Citizens Community Bancorp's net margin has grown at a 4.5% compound annual growth rate (CAGR), from 18.5% to 23.1%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.