secwatch.observer — SEC 8-K summary
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Issuer:     Citizens Community Bancorp Inc. (CZWI)
CIK:        0001367859
Form:       8-K
Filed at:   2025-01-27T23:59:59+00:00
Accession:  0001367859-25-000019
Event type: earnings
Sentiment:  neutral
Materiality: 0.65
Item codes: 2.02, 9.01, 8.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1367859/000136785925000019/0001367859-25-000019-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1367859/000136785925000019/czwi-20250127.htm
  HTML page:      https://secwatch.observer/filing/0001367859-25-000019

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