---
schema_version: "secwatch.filing_event.v1"
accession: "0001367859-26-000005"
form_type: "8-K"
ticker: "CZWI"
cik: "0001367859"
company_name: "Citizens Community Bancorp Inc."
filed_at: "2026-01-26T23:59:59+00:00"
generated_at: "2026-05-16T07:51:49.154554+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Citizens Community Bancorp Q4 EPS $0.44, up from $0.27 YoY; initiates quarterly dividend

## Summary
- Q4 net income $4.3M ($0.44 diluted EPS) vs $3.7M ($0.37) in Q3 and $2.7M ($0.27) a year ago.
- Full-year 2025 EPS $1.46 vs $1.34; net interest margin rose 36 bps YoY to 3.15%.
- Loans grew $17.3M to $1.34B; deposits up $43.5M to $1.52B, led by retail and public deposits.
- Board approved quarterly dividend of $0.105/share, replacing prior annual dividend; payable Feb 20 to Feb 6 record.
- Repurchased ~250K shares at avg $15.99 in Q4; 113K shares remain under buyback authorization.

## SEC filing metadata
- accession: 0001367859-26-000005
- form_type: 8-K
- ticker: CZWI
- cik: 0001367859
- company_name: Citizens Community Bancorp Inc.
- filed_at: 2026-01-26T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01, 8.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1367859/000136785926000005/0001367859-26-000005-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1367859/000136785926000005/czwi-20260126.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001367859-26-000005
- JSON: https://secwatch.observer/filing/0001367859-26-000005.json
- Plain text: https://secwatch.observer/filing/0001367859-26-000005.txt

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