CZWI Q4 EPS $0.27 vs $0.35 YoY; raises annual dividend 12.5% to $0.36

Citizens Community Bancorp Inc.

2024-FY EPS reported $1.34

Q4 2024 net income $2.7M ($0.27 diluted EPS) vs $3.7M ($0.35) in Q4 2023.
Net interest margin improved to 2.79% from 2.63% in Q3 2024 and 2.69% a year ago.
Board declared $0.36 annual cash dividend (+12.5%), payable Feb 21, 2025 to Feb 7 record.
Loans decreased $55.8M to $1.369B as part of balance sheet optimization; criticized loans down.
Repurchased 94k shares in Q4 at avg $14.55; 476k shares repurchased in FY 2024 at avg $12.76.

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