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Citizens Community Bancorp CZWI Provision for Credit Losses

Provision for Credit Losses at other companies

Capital Bancorp logo
Capital BancorpCBNK
$3.01M+34.2%
German American Bancorp logo
German American BancorpGABC
$2M-86.9%
Customers Bancorp logo
Customers BancorpCUBI

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:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal.

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 provision for credit losses?
Citizens Community Bancorp (CZWI) reported provision for credit losses of $750K in Q1 2026.
How has Citizens Community Bancorp's provision for credit losses changed year-over-year?
Citizens Community Bancorp's provision for credit losses increased by 400.0% year-over-year, from -$250K to $750K.
What does provision for credit losses mean?
This represents the periodic expense or reversal recorded to adjust the allowance for credit losses on the bank's loan portfolio. It reflects management's assessment of the collectability of loans and the expected credit risk inherent in the lending activities. A provision expense reduces net income, while a reversal increases it, signaling changes in credit quality expectations.