CZWI Q3 EPS $0.38 vs $0.41 prior qtr; net interest income up, loan growth 2.2%

Citizens Community Bancorp Inc.

2022-Q3 EPS reported $1.24

EPS of $0.38 diluted, net income $4.0M; down from $0.41/$4.4M prior quarter and $0.47/$5.0M year ago.
Net interest income $14.5M, up $0.2M linked Q; core NIM (ex-PPP/accretion) 3.33% vs 3.29%.
Loan growth 2.2% from prior quarter; allowance 1.25% of total loans.
Redeemed $15M sub debt (6.75% coupon) in Aug; announced closure of 3 branches in Q4 2022.
Book value $15.59, tangible book $12.32; repurchased ~53k shares in Q3.

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