Citizens Community Bancorp's Q1 profit rises on loan & deposit growth

Citizens Community Bancorp

27/04/2026 13:38

Overview

US community bank's Q1 net income and EPS rose yr/yr but fell from prior qtr

Net interest income dipped slightly from Q4, impacted by two fewer business days

Company saw loan and deposit growth, with higher non-interest income from loan sales

Outlook

Company says loan pipelines remain solid entering April as balance sheet repricing approaches in H2 2026

Result Drivers

LOAN AND DEPOSIT GROWTH - Co said loans grew $17.9 mln, or 1.3%, and deposits rose 2.7%, with commercial and public deposits contributing to the increase

HIGHER LOAN YIELDS, LOWER DEPOSIT COSTS - Net interest margin improved 3 basis points, as loan yields rose and deposit costs fell, partially offset by lower yields on cash and investments

NON-INTEREST INCOME FROM LOAN SALES - Non-interest income rose $0.4 mln, mainly due to higher gains on sale of loans, including SBA loans delayed in Q4 by the government shutdown

Company press release: ID:nGNX9SHhNX

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q1 EPS
$0.39
Q1 Net Interest Income
$13 mln
Q1 Net Interest Margin
3.18%


Analyst Coverage

The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 2 "strong buy" or "buy", no "hold" and no "sell" or "strong sell"

The average consensus recommendation for the banks peer group is "buy"

Wall Street's median 12-month price target for Citizens Community Bancorp Inc is $21.25, about 3% above its April 24 closing price of $20.63

The stock recently traded at 11 times the next 12-month earnings vs. a P/E of 10 three months ago

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)