---
schema_version: "secwatch.filing_event.v1"
accession: "0001367859-26-000024"
form_type: "8-K"
ticker: "CZWI"
cik: "0001367859"
company_name: "Citizens Community Bancorp Inc."
filed_at: "2026-04-27T23:59:59+00:00"
generated_at: "2026-05-15T03:45:07.748572+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Citizens Community Bancorp Q1 2026 EPS $0.39, down from $0.44 Q4; dividend $0.105

## Summary
- Net income $3.8M ($0.39 diluted EPS) vs $4.3M ($0.44) Q4 2025 and $3.2M ($0.32) Q1 2025.
- Net interest margin improved 3 bps to 3.18%; loan growth $17.9M to $1.358B; deposit growth $41.5M to $1.566B.
- Provision for credit losses rose to $0.75M from $0.20M Q4; nonperforming assets increased $1.5M to $18.2M.
- Board declared $0.105/share quarterly dividend, payable May 22, 2026 to holders of record May 8, 2026.
- Book value per share $19.82; no share repurchases in quarter; 113K shares remain under buyback authorization.

## SEC filing metadata
- accession: 0001367859-26-000024
- form_type: 8-K
- ticker: CZWI
- cik: 0001367859
- company_name: Citizens Community Bancorp Inc.
- filed_at: 2026-04-27T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01, 8.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1367859/000136785926000024/0001367859-26-000024-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1367859/000136785926000024/czwi-20260427.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001367859-26-000024
- JSON: https://secwatch.observer/filing/0001367859-26-000024.json
- Plain text: https://secwatch.observer/filing/0001367859-26-000024.txt

## Key facts
- Earnings Releases
  Citizens Community Bancorp Inc. reported the first quarter ended March 31, 2026 results: net income $3.8 million, EPS $0.39.
  - Period: the first quarter ended March 31, 2026
  - Net income: $3.8 million
  - EPS: $0.39
  - Result: reported results
  source text: Citizens Community Bancorp, Inc. (the “Company”) (Nasdaq: CZWI), the parent company of Citizens Community Federal N.A. (the “Bank” or “CCFBank”), today reported earnings of $3.8 million and earnings per diluted share of $0.39 for the first quarter ended March 31, 2026, compared to $4.3 million and earnings per diluted share of $0.44 for the quarter ended December 31, 2025, and $3.2 million and $0.32 earnings per diluted share for the quarter ended March 31, 2025, respectively.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1367859/000136785926000024/0001367859-26-000024-index.htm

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