---
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"
generated_at: "2026-06-27T13:28:40.554073+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# CZWI Q4 EPS $0.58 (+81% YoY), record annual earnings $21.3M; dividend raised 13% to $0.26

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01, 8.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001367859-22-000017
- JSON: https://secwatch.observer/filing/0001367859-22-000017.json
- Plain text: https://secwatch.observer/filing/0001367859-22-000017.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.