Overview

* Citizens Community Bancorp ( CZWI ) Q3 earnings rise to $3.7 mln, EPS at $0.37

* Net interest margin for Q3 2025 decreased to 3.20% from 3.27% in Q2

* Company repurchased 136,000 shares at $14.93 per share in Q3

Outlook

* Company did not provide specific financial guidance for future quarters or the full year

Result Drivers

* NET INTEREST INCOME - Decreased due to lower interest income from loan payoffs, offset by higher asset yields and lower deposit costs

* CREDIT LOSSES - Provision for credit losses decreased significantly, aiding earnings growth

* NON-INTEREST INCOME - Increased due to higher gains on sale of loans

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

Q3 Net 3.20%

Interest

Margin

Press Release:

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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.)