Citizens Community Bancorp (CZWI) EBT Margin (2009 - 2026)
Citizens Community Bancorp's EBT Margin was 7.68% in Q2 2026, down 17.39 percentage points from 25.06% a year earlier and down 21.08 percentage points from the prior quarter.
Powered by 
Analysis
Citizens Community Bancorp (CZWI) EBT Margin (2009 - 2026) Analysis & Trends
On a trailing twelve-month basis, Citizens Community Bancorp's EBT Margin was 23.81% through Jun 30, 2026, down 2.91 percentage points year-over-year; for FY2025, it was 27.98%, down 2.86 percentage points from FY2024.
- EBT Margin has now declined for four consecutive years, though with a five-year change of +2.83 percentage points (FY2020 to FY2025).
- In earlier years, EBT Margin was 30.84% in FY2024 (-1.47 pp), 32.31% in FY2023 (-2.99 pp), 35.30% in FY2022 (-6.37 pp) and 41.67% in FY2021 (+16.52 pp).
- The Q2 2026 figure marks the lowest quarterly EBT Margin since Q4 2017.
- Compared with a year earlier, EBT Margin was higher in two of the last eight quarters, with an average year-over-year change of -5.12 percentage points.
- The best year-over-year quarter for EBT Margin over five years was Q4 2021 (a gain of 17.44 percentage points); the worst was Q2 2026 (a drop of 17.39 percentage points).
- Per Business Quant data, CZWI's EBT Margin in the three quarters before Q2 2026 was 28.75% (Q1 2026), 31.00% (Q4 2025) and 27.93% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 909.02 Bn | 886.77 Bn | - | 40.13% |
| 2 | Banco Santander Chile | 406.67 Bn | -7,110.43 Bn | - | - |
| 3 | Bank Of America | 350.91 Bn | -2,025.20 Bn | - | 29.93% |
| 4 | Hsbc Holdings | 308.71 Bn | -2,966.46 Bn | - | 51.73% |
| 5 | Morgan Stanley | 293.66 Bn | -249.15 Bn | - | 31.85% |
| 6 | Royal Bank Of Canada | 283.56 Bn | -546.44 Bn | - | 41.80% |
| 7 | Goldman Sachs | 262.71 Bn | -3,480.74 Bn | - | 37.49% |
| 8 | Wells Fargo & Company | 257.44 Bn | 92.87 Bn | - | 32.46% |
| 9 | Mitsubishi Ufj Financial | 256.82 Bn | -75.42 Bn | 10.89 Bn | 70.61% |
| 10 | Citizens Community Bancorp | 224.54 Mn | -285.38 Mn | - | 38.06% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 38.06% |
| Jun 30, 2026 | 7.68% |
| Mar 31, 2026 | 28.75% |
| Dec 31, 2025 | 31.00% |
| Sep 30, 2025 | 27.93% |
| Jun 30, 2025 | 25.06% |
| Mar 31, 2025 | 28.01% |
| Dec 31, 2024 | 24.48% |
| Sep 30, 2024 | 29.46% |
| Jun 30, 2024 | 34.95% |
| Mar 31, 2024 | 34.23% |
| Dec 31, 2023 | 32.83% |
| Sep 30, 2023 | 34.33% |
| Jun 30, 2023 | 29.47% |
| Mar 31, 2023 | 32.58% |
| Dec 31, 2022 | 36.40% |
| Sep 30, 2022 | 31.17% |
| Jun 30, 2022 | 34.72% |
| Mar 31, 2022 | 39.12% |
| Dec 31, 2021 | 43.99% |
API Access
Citizens Community Bancorp EBT Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=ebt-margin&ticker=CZWI&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebt-margin", "ticker": "CZWI", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=ebt-margin&ticker=CZWI&period=max&api_key=YOUR_API_KEY");
const data = await res.json();