{"schema_version":"secwatch.filing_event.v1","accession":"0001367859-25-000019","form_type":"8-K","ticker":"CZWI","cik":"0001367859","company_name":"Citizens Community Bancorp Inc.","filed_at":"2025-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.445085+00:00","generated_at":"2026-05-27T09:07:34.203951+00:00","sec_items":["2.02","9.01","8.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"CZWI Q4 EPS $0.27 vs $0.35 YoY; raises annual dividend 12.5% to $0.36","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001367859-25-000019","json":"https://secwatch.observer/filing/0001367859-25-000019.json","markdown":"https://secwatch.observer/filing/0001367859-25-000019.md","text":"https://secwatch.observer/filing/0001367859-25-000019.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1367859/000136785925000019/0001367859-25-000019-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1367859/000136785925000019/czwi-20250127.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T09:07:34.203951+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"}