Citizens Community Bancorp Inc. Sees Profit Increase in Q3
Earnings Overview: Citizens Community Bancorp Inc. reported third-quarter earnings of $3.7 million, an increase from $3.3 million in the same period last year.
Earnings Per Share: The earnings per share (EPS) rose to $0.37, compared to $0.32 in the previous year.
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- Earnings Performance: Citizens Community Bancorp reported a GAAP EPS of $0.44 for Q4 2025, indicating stable profitability despite market challenges.
- Revenue Growth: The company achieved revenue of $15.75 million in the quarter, reflecting effective market strategies in retail and public deposits.
- Nonperforming Assets: Nonperforming assets remained flat at $16.7 million as of December 31, 2025, compared to September 30, 2025, demonstrating stability in asset quality management.
- Deposit Increase: Total deposits increased by $43.5 million during Q4 2025 to $1.524 billion, primarily driven by growth in retail consumer deposits and seasonal public deposits, enhancing the company's liquidity and market competitiveness.
- Significant Stock Growth: Citizens Community Bancorp's share price has increased by 71% over the past five years, significantly outperforming the market average, indicating strong investor confidence and company performance.
- Earnings Growth: During the same period, the company's earnings per share (EPS) achieved a compound annual growth rate of 3.9%, which, while lower than the stock price's annual growth of 11%, still reflects stable profitability.
- Enhanced Shareholder Returns: Over the last five years, Citizens Community Bancorp's total shareholder return (TSR) reached 91%, far exceeding the share price return, highlighting the positive impact of the company's dividend policy on investors.
- Management Confidence: Significant insider purchases in the past year reflect confidence in future growth, although future earnings will be crucial for shareholder profitability.
Earnings Overview: Citizens Community Bancorp Inc. reported third-quarter earnings of $3.7 million, an increase from $3.3 million in the same period last year.
Earnings Per Share: The earnings per share (EPS) rose to $0.37, compared to $0.32 in the previous year.
Profit Decline and Stock Buyback: Citizens Community Bancorp Inc. reported a decrease in second-quarter profit, with earnings dropping to $3.27 million from $3.68 million last year, while the Board approved a 5% stock buyback to enhance shareholder value.
Revenue and Share Performance: Despite the profit decline, revenues increased slightly to $22.50 million, and non-interest income rose to $2.8 million; shares of the company are currently trading at $15.03, reflecting a 1.76% increase.
Earnings Report: Citizens Community Bancorp Inc. reported a profit of $3.27 million, or $0.33 per share for the second quarter, which is a decrease from $3.68 million, or $0.35 per share last year, but exceeded analysts' expectations of $0.29 per share.
Revenue Growth: The company's revenue increased slightly by 0.2% to $22.50 million compared to $22.46 million in the previous year.
Stock Recommendations: Two stocks, Balfour Beatty PLC (BLFBY) and Citizens Community Bancorp, Inc. (CZWI), are highlighted as strong buy candidates with Zacks Rank #1 and favorable earnings estimates, showcasing attractive price-to-earnings ratios compared to their respective industries.
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