Citizens Community Bancorp (CZWI) Net Margin (2009 - 2026)
Citizens Community Bancorp's Net Margin was 6.84% in Q2 2026, down 13.41 percentage points from 20.25% a year earlier and down 16.47 percentage points from the prior quarter.
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Analysis
Citizens Community Bancorp (CZWI) Net Margin (2009 - 2026) Analysis & Trends
On a trailing twelve-month basis, Citizens Community Bancorp's Net Margin was 19.95% through Jun 30, 2026, down 1.43 percentage points year-over-year; for FY2025, it was 23.14%, down 1.17 percentage points from FY2024.
- Net Margin shows a five-year change of +4.61 percentage points (FY2020 to FY2025).
- In earlier years, Net Margin was 24.30% in FY2024 (+2.02 pp), 22.29% in FY2023 (-4.30 pp), 26.59% in FY2022 (-4.01 pp) and 30.60% in FY2021 (+12.08 pp).
- The Q2 2026 figure marks the lowest quarterly Net Margin since Q3 2018.
- Compared with a year earlier, Net Margin was higher in three of the last eight quarters, with an average year-over-year change of -2.15 percentage points.
- The best year-over-year quarter for Net Margin over five years was Q4 2021 (a gain of 12.56 percentage points); the worst was Q2 2026 (a drop of 13.41 percentage points).
- Per Business Quant data, CZWI's Net Margin in the three quarters before Q2 2026 was 23.31% (Q1 2026), 27.11% (Q4 2025) and 22.68% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 909.02 Bn | 886.77 Bn | - | 29.77% |
| 2 | Banco Santander Chile | 406.67 Bn | -7,110.43 Bn | - | - |
| 3 | Bank Of America | 350.91 Bn | -2,025.20 Bn | - | 21.83% |
| 4 | Hsbc Holdings | 308.71 Bn | -2,966.46 Bn | - | 38.08% |
| 5 | Morgan Stanley | 293.66 Bn | -249.15 Bn | - | 23.36% |
| 6 | Royal Bank Of Canada | 283.56 Bn | -546.44 Bn | - | 32.48% |
| 7 | Goldman Sachs | 262.71 Bn | -3,480.74 Bn | - | 27.42% |
| 8 | Wells Fargo & Company | 257.44 Bn | 92.87 Bn | - | 26.08% |
| 9 | Mitsubishi Ufj Financial | 256.82 Bn | -75.42 Bn | 10.89 Bn | 246.71% |
| 10 | Citizens Community Bancorp | 224.54 Mn | -285.38 Mn | - | 31.12% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 31.12% |
| Jun 30, 2026 | 6.84% |
| Mar 31, 2026 | 23.31% |
| Dec 31, 2025 | 27.11% |
| Sep 30, 2025 | 22.68% |
| Jun 30, 2025 | 20.25% |
| Mar 31, 2025 | 22.53% |
| Dec 31, 2024 | 19.70% |
| Sep 30, 2024 | 23.13% |
| Jun 30, 2024 | 27.24% |
| Mar 31, 2024 | 26.95% |
| Dec 31, 2023 | 25.96% |
| Sep 30, 2023 | 17.01% |
| Jun 30, 2023 | 21.96% |
| Mar 31, 2023 | 24.27% |
| Dec 31, 2022 | 27.06% |
| Sep 30, 2022 | 23.59% |
| Jun 30, 2022 | 26.24% |
| Mar 31, 2022 | 29.63% |
| Dec 31, 2021 | 32.23% |
API Access
Citizens Community Bancorp Net 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=net-margin&ticker=CZWI&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "net-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=net-margin&ticker=CZWI&period=max&api_key=YOUR_API_KEY");
const data = await res.json();