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Citizens Community Bancorp CZWI Accretion (Amortization) of Discounts and Premiums, Investments

Accretion (Amortization) of Discounts and Premiums, Investments at other companies

Associated Banc-Corp logo
Associated Banc-CorpASB
-$12.26M-93.6%
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
-$71K+67.3%
Citizens & Northern logo
Citizens & NorthernCZNC
-$331K+8.1%
CTB
Community Trust BancorpCTBI
-$539K+7.7%
Eagle Bancorp logo
Eagle BancorpEGBN
-$1.11M+4.2%
Customers Bancorp logo
Customers BancorpCUBI
$991K+36.7%

Other financials

Income statement

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Revenue$16.1M+13.5%
Net income$3.8M+17.5%
EPS (diluted)$0.39+21.9%

Balance sheet

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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

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Operating cash flow$4.0M+146%
CapEx$570.0K+470%
Free cash flow$3.4M+125%

Valuation

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Market cap$225.58M+67.4%
Enterprise value$77.1M+14.4%
P/E15.1×+4.2×
P/S3.5×+1.2×

Profitability

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Net margin23.3%+0.2pp
FCF margin20.1%-1.7pp

Returns & leverage

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Return on equity8.1%+0.8pp
Debt / equity0×0.0×

Where this comes from

Reported directly by Citizens Community Bancorp in its filing.

Tagged under the XBRL concept us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments.

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 accretion (amortization) of discounts and premiums, investments?
Citizens Community Bancorp (CZWI) reported accretion (amortization) of discounts and premiums, investments of $27K in Q1 2026.
How has Citizens Community Bancorp's accretion (amortization) of discounts and premiums, investments changed year-over-year?
Citizens Community Bancorp's accretion (amortization) of discounts and premiums, investments increased by 170.0% year-over-year, from $10K to $27K.
What is the long-term trend for Citizens Community Bancorp's accretion (amortization) of discounts and premiums, investments?
Over 3 years (2021 to 2025), Citizens Community Bancorp's accretion (amortization) of discounts and premiums, investments has grown at a -14.7% compound annual growth rate (CAGR), from -$103K to $64K.
What does accretion (amortization) of discounts and premiums, investments mean?
This represents the non-cash adjustment to interest income resulting from the amortization of premiums or accretion of discounts on investment securities. It reflects the systematic allocation of the difference between the purchase price and the par value of debt securities over their remaining life. This metric is essential for understanding the true yield on an investment portfolio beyond the stated coupon rate.