Welcome to our dedicated page for Citizens Community Bancorp SEC filings (Ticker: CZWI), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Citizens Community Bancorp, Inc. (CZWI) files a range of documents with the U.S. Securities and Exchange Commission as a Nasdaq-listed bank holding company. These filings include current reports on Form 8-K, which the company uses to furnish quarterly earnings releases, earnings supplements, investor presentations and other material events such as stock repurchase program approvals, debt redemptions and annual meeting voting results.
Form 8-K filings cited in recent disclosures show how Citizens Community Bancorp reports its financial results for specific quarters and year-to-date periods, and how it communicates board decisions on share repurchase programs and the redemption of subordinated notes. Other 8-K filings document matters submitted to a vote of stockholders, including the election of directors, ratification of the independent registered public accounting firm and advisory votes on executive compensation.
On Stock Titan’s CZWI SEC filings page, users can access these regulatory documents as they are made available through the EDGAR system. AI-powered summaries help explain the key points of lengthy filings, such as the main drivers of quarterly performance described in earnings releases or the scope of a newly authorized stock repurchase program. For investors monitoring governance and compensation, filings related to the annual meeting and advisory votes provide additional context.
In addition to current reports, investors may consult Citizens Community Bancorp’s periodic reports, such as annual reports on Form 10-K and quarterly reports on Form 10-Q, for comprehensive financial statements, segment information, risk factors and management’s discussion and analysis. Stock Titan’s tools surface new CZWI filings in real time and apply AI analysis so readers can quickly understand the implications of complex regulatory disclosures.
Citizens Community Bancorp vice president and controller Rebecca Johnson exercised a stock option for 2,000 shares of common stock on 01/23/2026 at an exercise price of $9.62 per share. The option, originally granted under the company’s 2008 Equity Incentive Plan, covered common stock with a par value of $0.01 per share.
Following the transaction, Johnson held 6,954 shares of Citizens Community Bancorp common stock directly and 12,841 shares indirectly through the Citizens Community Federal 401(k) Profit Sharing Plan. The exercised option position was reduced to zero derivative securities beneficially owned after this transaction.
Citizens Community Bancorp EVP/CFO James S. Broucek reported equity transactions in company stock. On January 22, 2026, he acquired 1,733 shares of common stock at $18.52 per share from the vesting and settlement of performance-based restricted stock units tied to operational results for the year ended December 31, 2025. On the same date, he surrendered 632 shares at $18.52 per share to cover withholding taxes on previously awarded restricted stock. After these transactions, he directly holds 22,096 shares of common stock and indirectly holds 43,314 shares through a self-directed IRA. He also holds a stock option for 8,000 shares at an exercise price of $13.60 per share, expiring on October 31, 2027.
Citizens Community Bancorp CEO and President Stephen M. Bianchi reported equity compensation activity in company stock. On January 22, 2026, he acquired 3,325 shares of common stock at $18.52 per share upon vesting and settlement of performance restricted stock units tied to operational results for the year ended December 31, 2025. On the same date, he surrendered 1,226 shares at $18.52 per share to cover withholding taxes on vested restricted stock.
After these transactions, Bianchi directly beneficially owned 82,604 shares of common stock and indirectly owned 53,480 shares through a self-directed IRA. He also held a stock option for 10,000 shares of common stock with an exercise price of $11 per share, expiring on June 24, 2026.
Citizens Community Bancorp, Inc. announced that it has issued a press release with its financial results for the three and twelve months ended December 31, 2025, along with an earnings supplement and presentation posted on its website. These materials are furnished as exhibits to this report.
The company’s board also declared a quarterly cash dividend of $0.105 per share on January 22, 2026, payable on February 20, 2026 to shareholders of record as of February 6, 2026. The earnings presentation will also be used, with an updated cover sheet, for the 2026 CEO Forum hosted by Janney Montgomery Scott.
Citizens Community Bancorp Inc. executive James S. Broucek, EVP/CFO/Treasurer/Secretary, reported a routine tax-related transaction involving company stock. On January 19, 2026, he surrendered 339 shares of common stock at $18.45 per share to cover withholding taxes due upon the vesting of previously granted restricted stock under the company’s 2018 Equity Incentive Plan. This was coded as an "F" transaction, meaning it was for tax withholding rather than an open-market sale.
After this transaction, Broucek beneficially owned 20,995 common shares directly, plus 43,314 common shares indirectly through his self-directed IRA, and held a stock option for 8,000 shares at an exercise price of $13.60 under the 2008 Equity Incentive Plan. The option vests in five equal 20% installments on October 31 of each year from 2018 through 2022.
Citizens Community Bancorp CEO and President Stephen M. Bianchi reported a small share surrender related to equity compensation. On 01/19/2026 he surrendered 663 shares of Citizens Community Bancorp common stock at $18.45 per share to cover withholding taxes due when previously awarded restricted stock vested under the company’s 2018 Equity Incentive Plan. After this transaction, he directly holds 80,505 common shares and indirectly holds 53,480 shares in a self-directed IRA. He also holds a stock option for 10,000 shares at an $11 exercise price, originally granted under the 2008 Equity Incentive Plan and fully vested in equal 20% installments from June 24, 2017 through June 24, 2021, with an expiration date of June 24, 2026.
Citizens Community Bancorp (CZWI) disclosed an insider transaction by its CEO and President (also a Director). On 11/05/2025, the insider exercised a common stock option (code M) for 5,000 shares at $11 per share. Following the transaction, 81,168 common shares were beneficially owned directly, and 53,480 shares were beneficially owned indirectly by IRA.
In derivatives, the filing lists 10,000 stock options beneficially owned following the reported activity. The exercised option was granted under the company’s 2008 Equity Incentive Plan, which vested in 20% increments from June 24, 2017 through June 24, 2021, and carries an expiration date of June 24, 2026.
Citizens Community Bancorp (CZWI) reported Q3 2025 results. Net income was $3.682 million, or $0.37 per diluted share. Net interest income before provision rose to $13.214 million from $11.285 million a year ago as interest expense declined. The provision for credit losses was $0.650 million versus a recovery in the prior year period. Non-interest income was $3.022 million and non-interest expense was $11.051 million.
On the balance sheet, total assets were $1.727 billion and deposits were $1.481 billion as of September 30, 2025. Loans receivable, net, were $1.301 billion. Stockholders’ equity increased to $186.8 million, aided by an improvement in accumulated other comprehensive loss to $(13.227) million. The company repurchased 135,252 shares in Q3 for $2.019 million. FHLB advances were $0 at quarter end, down from $5.0 million at year-end 2024. Shares outstanding were 9,856,745 at September 30, 2025.
Citizens Community Bancorp, Inc. (CZWI) will participate in the Hovde Group Financial Services Conference in Naples, Florida on November 6–7, 2025. Chairman, President & CEO Stephen Bianchi and CFO James S. Broucek will meet with institutional investors.
Management’s investor presentation is furnished as Exhibit 99.1 under Item 7.01 (Regulation FD). The materials contain forward-looking statements covered by the Private Securities Litigation Reform Act safe harbor. The information in Items 7.01 and 9.01 and Exhibit 99.1 is furnished, not filed, and is not incorporated by reference unless expressly stated.
Citizens Community Bancorp (CZWI) furnished an 8-K announcing it released financial results for the three and nine months ended September 30, 2025, and posted an Earnings Release Supplement and Earnings Release Presentation to its website. The press release (Exhibit 99.1), supplement (99.2), and presentation (99.3) are furnished under Item 2.02 and are not deemed filed under Section 18. The Company plans to file the same presentation on October 29, 2025 with an updated cover for the Hovde Group Financial Services Conference.