{"schema_version":"secwatch.filing_event.v1","accession":"0001367859-23-000034","form_type":"8-K","ticker":"CZWI","cik":"0001367859","company_name":"Citizens Community Bancorp Inc.","filed_at":"2023-01-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:44.638789+00:00","generated_at":"2026-06-20T11:36:35.603766+00:00","sec_items":["2.02","9.01","8.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"CZWI Q4 EPS $0.45, annual dividend raised 12% to $0.29/share","bullets":["Q4 net income $4.7M ($0.45 diluted EPS); FY22 net income $17.8M ($1.69 EPS) vs $21.3M ($1.98 EPS) prior year.","Net interest margin (excl. purchase accretion) flat at 3.33% vs Q3; net interest income $14.5M.","Originated loans grew $46.3M in Q4; net loan growth 2.6% linked-quarter to $1.412B.","Board declared $0.29 annual dividend, a 12% increase; record Feb 3, payable Feb 17, 2023.","Efficiency ratio improved to 61% from 64% QoQ; substandard loans dropped $2.9M to $17.3M."],"urls":{"canonical":"https://secwatch.observer/filing/0001367859-23-000034","json":"https://secwatch.observer/filing/0001367859-23-000034.json","markdown":"https://secwatch.observer/filing/0001367859-23-000034.md","text":"https://secwatch.observer/filing/0001367859-23-000034.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1367859/000136785923000034/0001367859-23-000034-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1367859/000136785923000034/czwi-20230123.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T11:36:35.603766+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":[{"claim_id":"fe60f95c83ac1667f61ea8977a23308fc1576358","claim":"Citizens Community Bancorp Inc. reported the three and twelve months ended December 31, 2022 results: net income $4.7 million, EPS $0.45 per diluted share.","evidence_excerpt":"On January 23, 2023, Citizens Community Bancorp, Inc. (the “Company”) issued a press release announcing our financial results for the three and twelve months ended December 31, 2022","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1367859/000136785923000034/0001367859-23-000034-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three and twelve months ended December 31, 2022"},{"label":"Net income","value":"$4.7 million"},{"label":"EPS","value":"$0.45 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}