---
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"
generated_at: "2026-05-27T09:07:34.203951+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01, 8.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001367859-25-000019
- JSON: https://secwatch.observer/filing/0001367859-25-000019.json
- Plain text: https://secwatch.observer/filing/0001367859-25-000019.txt

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