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Citizens Community Bancorp CZWI Interchange income

Interchange income at other companies

Orrstown Financial Services logo
Orrstown Financial ServicesORRF
$1.51M+6.0%
First Financial Corporation logo
First Financial CorporationTHFF
$186K-13.1%
Independent Bank Corporation logo
Independent Bank CorporationIBCP
$3.23M+3.4%
SBC
Seacoast Banking Corporation of FloridaSBCF
$2.07M+14.4%
ChoiceOne Financial logo
ChoiceOne FinancialCOFS
$1.89M+25.4%
Farmers & Merchants Bancorp logo
Farmers & Merchants BancorpFMAO
$1.51M+6.5%

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 czwi:InterchangeIncome.

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 interchange income?
Citizens Community Bancorp (CZWI) reported interchange income of $501K in Q1 2026.
How has Citizens Community Bancorp's interchange income changed year-over-year?
Citizens Community Bancorp's interchange income decreased by 3.3% year-over-year, from $518K to $501K.
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?
Fees earned by the bank from payment networks for processing debit or credit card transactions initiated by customers. This is a key component of non-interest income that scales with consumer transaction volume and digital banking adoption.