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Citizens Community Bancorp CZWI Allowance for credit losses

Allowance for credit losses at other companies

Pathward Financial, Inc. logo
Pathward Financial, Inc.CASH
$52.46M-20.7%
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Xerox Holdings CorporationXRX
$42M-16.0%
Citizens Community Bancorp logo
Citizens Community BancorpCZWI
$22.97M+13.7%
Pathfinder Bancorp logo
Pathfinder BancorpPBHC
-$29.44M-70.7%
John Marshall Bancorp logo
John Marshall BancorpJMSB
$19.98M+6.1%
First BanCorp logo
First BanCorpFBP
-$4K-111%

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×

Where this comes from

Reported directly by Citizens Community Bancorp in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestNoncurrent.

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 allowance for credit losses?
Citizens Community Bancorp (CZWI) reported allowance for credit losses of $22.97M in Q1 2026.
How has Citizens Community Bancorp's allowance for credit losses changed year-over-year?
Citizens Community Bancorp's allowance for credit losses increased by 13.7% year-over-year, from $20.21M to $22.97M.
What is the long-term trend for Citizens Community Bancorp's allowance for credit losses?
Over 3 years (2022 to 2025), Citizens Community Bancorp's allowance for credit losses has grown at a 7.7% compound annual growth rate (CAGR), from $17.94M to $22.4M.
What does allowance for credit losses mean?
This represents the contra-asset account established to account for estimated credit losses on financing receivables outside of the primary loan portfolio. It reflects management's assessment of potential uncollectibility for these specific financial assets. A higher balance relative to the portfolio size may indicate increased credit risk or a more conservative provisioning strategy.