---
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"
generated_at: "2026-06-20T11:36:35.603766+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# CZWI Q4 EPS $0.45, annual dividend raised 12% to $0.29/share

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01, 8.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001367859-23-000034
- JSON: https://secwatch.observer/filing/0001367859-23-000034.json
- Plain text: https://secwatch.observer/filing/0001367859-23-000034.txt

## Key facts
- Earnings Releases
  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.
  - Period: the three and twelve months ended December 31, 2022
  - Net income: $4.7 million
  - EPS: $0.45 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1367859/000136785923000034/0001367859-23-000034-index.htm

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