{"schema_version":"secwatch.filing_event.v1","accession":"0001367859-22-000017","form_type":"8-K","ticker":"CZWI","cik":"0001367859","company_name":"Citizens Community Bancorp Inc.","filed_at":"2022-01-31T23:59:59+00:00","discovered_at":"2026-05-14T18:04:06.162418+00:00","generated_at":"2026-06-27T13:28:40.554073+00:00","sec_items":["2.02","9.01","8.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"CZWI Q4 EPS $0.58 (+81% YoY), record annual earnings $21.3M; dividend raised 13% to $0.26","bullets":["Q4 2021 net income $6.1M ($0.58 diluted EPS) vs $3.6M ($0.32) YoY; FY21 net income $21.3M ($1.98) vs $12.7M ($1.14) – record annual earnings.","Total loans excl. PPP grew $83.4M (6.8%) in Q4; net interest margin improved to 3.50% from 3.34% in Q3 2021.","Board declared annual dividend of $0.26/share (13% increase), payable Feb 28, 2022 to holders of record Feb 14, 2022.","No loan loss provision recorded for Q4 2021; ALL to total loans 1.29% vs 1.35% at Sep 30, 2021.","Nonperforming assets $13.2M (0.76% of assets) vs $12.1M (0.69%) prior quarter; increase due to branch OREO transfer."],"urls":{"canonical":"https://secwatch.observer/filing/0001367859-22-000017","json":"https://secwatch.observer/filing/0001367859-22-000017.json","markdown":"https://secwatch.observer/filing/0001367859-22-000017.md","text":"https://secwatch.observer/filing/0001367859-22-000017.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1367859/000136785922000017/0001367859-22-000017-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1367859/000136785922000017/czwi-20220131.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T13:28:40.554073+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}