Overview

* Citizens Community Bancorp ( CZWI ) Q2 earnings rise to $3.3 mln, EPS $0.33

* Net interest income increased, boosting net interest margin

* Company authorized 5% stock buyback authorization on July 24

Outlook

* Company expects business activity to accelerate in second half of 2025

Result Drivers

* NET INTEREST INCOME - Increase driven by $1.1 mln from loan payoffs and higher asset yields, boosting net interest margin by 42 bps

* CREDIT LOSSES - Provision for credit losses rose to $1.35 mln due to increased delinquencies and changes in macro-economic assumptions

* NON-INTEREST INCOME - Higher gains on equity securities and loan fee collections contributed to non-interest income increasing

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

Q2 EPS $0.33

Q2 Net 3.3%

Interest

Margin

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 ( CZWI ) is $17.50, about 15.6% above its July 25 closing price of $14.77

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

Press Release:

(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.)