Citizens Community Bancorp Q4 earnings rise on loan growth, credit quality

Citizens Community Bancorp

26/01/2026 13:40

Overview

Wisconsin-based bank's Q4 earnings rose to $4.3 mln, with EPS up to $0.44

Company's Q4 loan growth was $17.3 mln, deposit growth was $43.5 mln

Company repurchased 250,000 shares, boosting book value per share

Outlook

Company anticipates continued net interest margin expansion due to improved deposit quality

Citizens Community Bancorp expects promising loan growth entering 2026

Company transitions to quarterly dividend strategy

Result Drivers

LOAN AND DEPOSIT GROWTH - Q4 loan growth of $17.3 mln driven by multi-family and C&I loan originations; deposit growth of $43.5 mln due to retail and public deposits

LOWER CREDIT LOSSES - Provision for credit losses decreased to $0.2 mln from $0.7 mln in Q3, reflecting improved loan quality

TAX RATE REDUCTION - Effective tax rate decreased due to new tax credit investments, lowering tax expense by $0.2 mln

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 Net Interest Margin
3.15%


Analyst Coverage

The current average analyst rating on the shares is "strong 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 $18.75, about 3% above its January 23 closing price of $18.20

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

Press Release: ID:nGNX7Nxpvl

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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.)