CZWI Q3 EPS Rebounds to $0.56; Dividend Raised 14% to $0.12
CZWI sits 39% above its 52-week low of $15.5.
Summary
Citizens Community Bancorp earned $0.56 per diluted share in Q3 2026 versus $0.11 in Q2 as the credit provision collapsed to $0.13 million, and raised its quarterly dividend 14% to $0.12. Criticized loans still climbed to $61.2 million.
Key Events · Earnings and Guidance · CZWI
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Q3 Earnings Rebound to $0.56
Net income was $5.4 million, or $0.56 per diluted share, versus $1.1 million and $0.11 in Q2 2026 and $3.7 million and $0.37 a year earlier.
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Credit Provision Falls to $0.13 Million
The provision for credit losses dropped from $4.33 million in Q2 2026 to $0.13 million, the main driver of the earnings jump; net charge-offs were $5 thousand.
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Dividend Raised 14% to $0.12
The board declared a quarterly cash dividend of $0.12 per share on October 22, 2026, payable November 20, 2026 to shareholders of record November 6, 2026.
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Criticized Loans Climb to $61.2 Million
Substandard loans rose $12.4 million to $47.6 million and criticized loans reached $61.2 million, concentrated in ten relationships making up 70% of special mention and substandard balances.
Analysis · CZWI · Finance
Third-quarter earnings of $5.4 million ($0.56 per diluted share) reversed the $1.1 million ($0.11) posted in Q2, helped by a provision for credit losses that fell to $0.13 million from $4.33 million and a net interest margin that widened 15 basis points to 3.37%. The board also raised the quarterly dividend 14% to $0.12 per share, payable November 20, 2026. The offset is asset quality: substandard loans jumped $12.4 million to $47.6 million and criticized loans reached $61.2 million, so the earnings rebound rests on a provision that may not stay this low if those credits deteriorate. Management also said it is still working with investment bankers on strategic opportunities, which keeps the activist-driven review in play.
How filings like this one have moved
In the 30 days to Oct 26, 2026, 29.9% of the 1374 measured filings Wiseek scored 7 moved their stock by 5% or more by the next session's close. The median move was -0.12%. These are measured outcomes after filings of this importance, not a forecast for this one.
Measured one observation per ticker per day, after exclusions. Current figures: Filing Impact Tracker · open dataset
At the time of this filing, CZWI was trading at $21.56 on NASDAQ in the Finance sector, with a market capitalization of approximately $206.7M. The 52-week trading range was $15.50 to $24.43. This filing was assessed with positive market sentiment and an importance score of 7 out of 10.