Citizens Community Bancorp profit margin CZWI
Gross, operating and net profit as a share of revenue over the last twelve months, from 2011.
- Net margin, 12 months
- 19.9%
- Net margin on a year earlier
- −1.4 pts
- Peer median
- 24.5%
Over the twelve months to Jun 30, 2026, Citizens Community Bancorp kept 19.9% of its revenue as net profit.
Five years earlier its net margin was 25.1%.
The median for 10 regional banks of a similar size is 24.5%.
Profit margin over time
Fiscal year by fiscal year
| Fiscal year | Net margin |
|---|---|
| FY2025 | 23.1% |
| FY2024 | 24.3% |
| FY2023 | 22.3% |
| FY2022 | 26.6% |
| FY2021 | 30.6% |
| FY2020 | 18.5% |
| FY2019 | 16.2% |
| FY2018 | 11.4% |
| FY2017 | 9.2% |
| FY2016 | 10.7% |
| FY2015 | 11.6% |
| FY2014 | 7.7% |
| FY2013 | 4.7% |
| FY2012 | 0.5% |
| FY2011 | 0.8% |
Quarter by quarter
| Quarter | Ended | Net margin, 12 months | Change on a year |
|---|---|---|---|
| Q2 FY26 | 19.9% | −1.4 pts | |
| Q1 FY26 | 23.3% | +0.2 pts | |
| Q4 FY25 | 23.1% | −1.2 pts | |
| Q3 FY25 | 21.3% | −4.5 pts | |
| Q2 FY25 | 21.4% | −2.9 pts | |
| Q1 FY25 | 23.1% | +0.1 pts | |
| Q4 FY24 | 24.3% | +2.0 pts | |
| Q3 FY24 | 25.8% | +3.0 pts | |
| Q2 FY24 | 24.2% | −0.1 pts | |
| Q1 FY24 | 23.0% | −2.3 pts | |
| Q4 FY23 | 22.3% | −4.3 pts | |
| Q3 FY23 | 22.8% | −5.2 pts |
Against its peers
Companies in Banks - Regional nearest Citizens Community Bancorp's size, closest first, today.
| Company | Profit margin |
|---|---|
| CZWICitizens Community Bancorp | 19.9% |
| RBKBRhinebeck Bancorp | 18.4% |
| FCAPFirst Capital | 33.8% |
| CBFVCB Financial Services | 14.9% |
| OPBKOP Bancorp | 29.2% |
| SBFGSB Financial | 24.5% |
| ECBKECB Bancorp | 29.4% |
| FNWDFinward Bancorp | 14.2% |
| BVFLBV Financial | 32.5% |
| QNBCQNB | 20.3% |
| PEBKPeoples Bancorp of North Carolina | n/m |
| Peer median | 24.5% |
What the profit margin tells you
Profit as a share of revenue at three levels: gross (after making the product), operating (after running the business) and net (after everything, including tax and interest).
Compare within an industry. 10% is superb for a retailer and poor for a software company.
More on Citizens Community Bancorp
Valuation data, not investment advice. Prices as of . Reported figures come from the company's filings with the SEC.