AI Earnings Predictions for Citizens Community Bancorp Inc. (CZWI)

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EXHIBIT 99.1

Citizens Community Bancorp, Inc. Reports Third Quarter 2026 Earnings of $0.56 Per Share;

Board Approves 14% Increase in Quarterly Dividend to $0.12 per Share

EAU CLAIRE, WI, October 26, 2026 - Citizens Community Bancorp, Inc. (the “Company”) (Nasdaq: CZWI), the parent company of CCFBank N.A. (the “Bank” or “CCFBank”), today reported earnings of $5.4 million and earnings per diluted share of $0.56 for the third quarter ended September 30, 2026, compared to $1.1 million and earnings per diluted share of $0.11 for the second quarter ended June 30, 2026, and $3.7 million and $0.37 earnings per diluted share for the quarter ended September 30, 2025, respectively. For the nine months ended September 30, 2026, the Company reported earnings of $10.3 million and earnings per diluted share of $1.06 compared to the prior year period of $10.1 million and earnings per diluted share of $1.02.

Third quarter 2026 operating results reflected the following changes from the second quarter of 2026: (1) an increase in net interest income of $1.0 million largely due to a higher net interest margin of 15 basis points due to the impact of new loan originations and loans repricing; (2) a decrease in provision for credit losses of $4.2 million from $4.3 million the prior quarter; and (3) slightly higher non-interest income of $0.3 million largely due to higher loan servicing income and higher gains on equity securities.

Book value per share increased to $19.91 on September 30, 2026, compared to $19.83 at June 30, 2026, and increased from $18.95 at September 30, 2025. Tangible book value per share (non-GAAP)1 was $16.62 at September 30, 2026, compared to $16.55 at June 30, 2026, and $15.71 at September 30, 2025. For the third quarter of 2026, the increase in tangible book value was due to quarterly net income, partially offset by both the impact of higher unrealized losses on the available-for-sale investment portfolio, and the quarterly dividend payment. Stockholders’ equity as a percentage of total assets was 10.62% at September 30, 2026, compared to 10.55% at June 30, 2026. Tangible common equity (“TCE”) as a percent of tangible assets (non-GAAP)1 was 9.02% at September 30, 2026, compared to 8.96% at June 30, 2026.

“The strong quarter reflected continued execution of our strategic plan with lower provision expense and the net interest margin and margin dollar increase being the highlight. We also saw loan originations outpace a modest pickup in loan payoffs, ten percent higher non-interest income from the linked quarter and non-interest expenses were controlled other than higher variable performance-based compensation expense which accounted for the uptick from last quarter. Efforts to work through asset quality issues continued in the quarter. Net charge offs were $5 thousand and criticized loans increased at a slower rate from last quarter to $61.2 million. The number of relationships risk rated special mention or substandard is concentrated in ten relationships, which make up 70% of the above two risk ratings dollars. We believe these problem loan relationships represent individual company/management issues rather than a concentration or industry weakness.

Executive management has directed workout strategies for criticized loan relationships and led portfolio reviews during the quarter of select loan segments to enhance resolution efforts and align resources. We continue to monitor performance as updated borrower financial information is received.

Growth in capital through earnings absorbed unrealized losses in our securities portfolio and nudged our tangible capital ratio to 9.02%. Seventy thousand shares were repurchased in the quarter under the authorization announced in early September. On October 22, 2026, the board authorized an increase of the quarterly dividend by 14% to $0.12 per

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share. The board and management continue to work with our investment bankers on strategic opportunities in the best interest of our shareholders,” said Stephen Bianchi, Chairman, President, and CEO.

September 30, 2026, Highlights:

•Quarterly earnings were $5.4 million, or $0.56 per diluted share for the quarter ending September 30, 2026, an increase compared to earnings of $1.1 million, or $0.11 per diluted share for the quarter ended June 30, 2026, and an increase from $3.7 million, or $0.37 per diluted share for the quarter ended September 30, 2025.

•For the nine months ended September 30, 2026, earnings were $10.3 million or $1.06 per diluted share compared to $10.1 million or $1.02 per diluted share for the nine-month period one year earlier. The increase in earnings for the nine-month period primarily related to a $2.9 million increase in net interest income, higher non-interest income of $0.1 million, lower non-interest expenses of $0.4 million, lower income taxes of $0.2 million, partially offset by a $3.5 million increase in the provision for credi

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EXHIBIT 99.1

Citizens Community Bancorp, Inc. Reports Second Quarter 2026 Earnings of $0.11 Per Share;

Board Approves Quarterly Dividend at $0.105 per Share

EAU CLAIRE, WI, July 27, 2026 - Citizens Community Bancorp, Inc. (the “Company”) (Nasdaq: CZWI), the parent company of CCFBank N.A. (the “Bank” or “CCFBank”), today reported earnings of $1.1 million and earnings per diluted share of $0.11 for the second quarter ended June 30, 2026, compared to $3.8 million and earnings per diluted share of $0.39 for the first quarter ended March 31, 2026, and $3.3 million and $0.33 earnings per diluted share for the quarter ended June 30, 2025, respectively. For the six months ended June 30, 2026, the Company reported earnings of $4.9 million and earnings per diluted share of $0.50 compared to the prior year period of $6.5 million and earnings per diluted share of $0.65.

The Company’s second quarter 2026 operating results reflected the following changes from the first quarter of 2026: (1) increased provision for credit losses of $3.6 million; (2) lower non-interest income of $0.5 million largely due to lower gains on sale of loans, with these changes partially offset by; (3) an increase in net interest margin of 4 basis points due to lower interest-bearing deposit costs, along with the higher portfolio loan yields, offset by the impact of new nonaccrual loans. This net interest margin increase, along with one additional business day during the current quarter of $0.1 million, and an increase in average interest-earning assets, increased net interest income by $0.5 million; and (4) lower non-interest expense of $0.2 million resulted in an increase in pre-provision net revenue of $0.2 million. In addition, lower income tax expense of $0.7 million was recognized in the quarter.

Book value per share increased to $19.83 at June 30, 2026, compared to $19.82 at March 31, 2026, and increased from $18.36 at June 30, 2025. Tangible book value per share (non-GAAP)1 was $16.55 at June 30, 2026, compared to $16.52 at March 31, 2026, and increased 9.2% from $15.15 at June 30, 2025. For the second quarter of 2026, the increase in tangible book value was due to quarterly net income, the impact of lower unrealized losses on the available-for-sale investment portfolio, partially offset by payment of the quarterly dividend. Stockholders’ equity as a percentage of total assets was 10.55% at June 30, 2026, compared to 10.47% at March 31, 2026. Tangible common equity (“TCE”) as a percent of tangible assets (non-GAAP)1 was 8.96% at June 30, 2026, compared to 8.88% at March 31, 2026.

“We are disappointed with the impact three loan relationships had on net income, but have undertaken an aggressive posture to mitigate their future earnings influences. Specifically, one loan relationship ceased operations and was downgraded to substandard nonaccrual. This loan relationship had a $3.8 million ACL provision impact including a $1.2 million charge-off, with a specific reserve established equal to the owner occupied real estate loan exposure. In addition, two CRE loan relationships totaling $8 million moved to substandard nonaccrual from pass in the quarter. Dedicated workout resources and processes are in place to resolve substandard and nonperforming loan levels. The underlying strength of our business remained positive with loan growth of $24.7 million, up 1.8% in the linked quarter or 7.2% annualized, and deposits up 5.1% versus the same prior year period. Net interest margin expansion continued, more than offsetting the impact of elevated nonaccruals. Tangible book value increased $0.03 per share after the quarterly dividend payment and reduction in AOCI, and the Company was well capitalized with a TCE ratio of 8.96%,” according to Stephen Bianchi, Chairman, President, and CEO.

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June 30, 2026, Highlights:

•Quarterly earnings were $1.1 million, or $0.11 per diluted share for the quarter ended June 30, 2026, a decrease compared to earnings of $3.8 million, or $0.39 per diluted share for the quarter ended March 31, 2026, and a decrease from $3.3 million, or $0.33 per diluted share for the quarter ended June 30, 2025.

•For the six months ended June 30, 2026, earnings were $4.9 million or $0.50 per diluted share compared to $6.5 million or $0.65 per diluted share for the six-month period one year earlier. The decline in earnings for the six-month period primarily relates to increases in the provision for credit losses for the most recent six-month period, mostly due to the second quarter of 2026 increases, modestly offset by increases in pre-provision net revenue.

•Pre-provision net revenue (“PPNR”) increased 3.3% during the quarter ended June 30, 2026, to $5.56 million from $5.38 million for the quarter ended March 31, 2026, and increased 3.1% from $5.40 million over the past year.

•PPNR for the six months ended June 30, 2026, increased 20.0% to $10.9 million from $9.1 million f

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EXHIBIT 99.1

Citizens Community Bancorp, Inc. Reports First Quarter 2026 Earnings of $0.39 Per Share;

Board Approves Quarterly Dividend at $0.105 per Share

EAU CLAIRE, WI, April 27, 2026 - Citizens Community Bancorp, Inc. (the “Company”) (Nasdaq: CZWI), the parent company of Citizens Community Federal N.A. (the “Bank” or “CCFBank”), today reported earnings of $3.8 million and earnings per diluted share of $0.39 for the first quarter ended March 31, 2026, compared to $4.3 million and earnings per diluted share of $0.44 for the quarter ended December 31, 2025, and $3.2 million and $0.32 earnings per diluted share for the quarter ended March 31, 2025, respectively.

The Company’s first quarter 2026 operating results reflected the following changes from the fourth quarter of 2025: (1) loan growth of $17.9 million, or 1.3%; (2) deposit growth of 2.7% to $1.57 billion; (3) an increase in net interest margin of 3 basis points highlighted by a 5 basis points increase in loan yields and an 8 basis point decline in deposit costs partially offset by a decline in cash and investment yields; (4) a slight decrease in net interest income largely due to the impact of 2 fewer business days during the first quarter; (5) increased provision for credit losses of $0.55 million; (6) higher non-interest income of $0.4 million; (7) higher non-interest expense of $0.1 million; and (8) higher tax expense of $0.3 million.

Book value per share improved to $19.82 at March 31, 2026, compared to $19.54 at December 31, 2025, and $18.02 at March 31, 2025. Tangible book value per share (non-GAAP)1 was $16.52 at March 31, 2026, compared to $16.23 at December 31, 2025, and increased 11.7% from $14.79 at March 31, 2025. For the first quarter of 2026, the increase in tangible book value was primarily due to the increase in net income in the quarter, along with the impact of lower unrealized losses on the available for sale investment portfolio, partially offset by payment of the quarterly dividend. Stockholders’ equity as a percentage of total assets was 10.47% at March 31, 2026, compared to 10.55% at December 31, 2025, with the decline largely due to modest asset growth. Tangible common equity (“TCE”) as a percent of tangible assets (non-GAAP)1 was 8.88% at March 31, 2026, compared to 8.92% at December 31, 2025.

“Loan and deposit growth held strong even during the seasonal low point of our year with loans expanding at an annualized rate of 5.3% from the linked quarter. Mortgage and government guaranteed lending activities were a bright spot during the quarter and expenses were well-managed. Loan pipelines remain solid entering April as we approach balance sheet repricing in the back half of the year. There was no share buyback activity in the quarter, although 113 thousand shares remained under the current buyback authorization. Our capital position remained strong with TCE of 8.9% to support organic growth, dividends, share buybacks and M&A activity,” stated Stephen Bianchi, Chairman, President, and Chief Executive Officer.

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March 31, 2026, Highlights:

•Quarterly earnings were $3.8 million, or $0.39 per diluted share for the quarter ended March 31, 2026, a decrease compared to earnings of $4.3 million, or $0.44 per diluted share for the quarter ended December 31, 2025, and an increase from $3.2 million, or $0.32 per diluted share for the quarter ended March 31, 2025.

•Pre-provision net revenue (“PPNR”) increased 5.8% during the quarter ended March 31, 2026, to $5.38 million from $5.09 million for the quarter ended December 31, 2025, and increased 44.5% from $3.72 million over the past year.

•Net interest income decreased $0.1 million to $13.0 million for the quarter ended March 31, 2026, from $13.1 million for the quarter ended December 31, 2025, and increased from $11.6 million for the quarter ended March 31, 2025. The decrease in net interest income from the fourth quarter of 2025 was primarily due to a net decrease of $0.25 million due to the impact of 2 fewer business days. Partially offsetting the fewer days was the impact of higher loan yields, lower deposit costs, and a decrease in interest-bearing cash yield.

•Net interest margin increased 3 basis points to 3.18% for the quarter ended March 31, 2026, compared to the quarter ended December 31, 2025, and increased 33 basis points from the quarter ended March 31, 2025. The increase in net interest margin from the prior quarter was due to higher loan yields and lower deposit costs, partially offset by lower yields on cash and investment securities and the growth of lower yielding interest-bearing cash.

•The provision for credit losses was $0.75 million for the quarter ended March 31, 2026, compared to a provision for credit losses of $0.20 million for the fourth quarter of 2025, and a negative provision for credit losses of $0.25 million during the quarter ended March 31, 2025. Factors affecting the March 31, 2026,