Manulife Financial (CZWI) discloses sub-5% Citizens Community Bancorp ownership

Rhea-AI Filing Summary

Manulife Financial Corporation, through its investment subsidiaries, reports beneficial ownership of common stock of Citizens Community Bancorp Inc. Manulife Investment Management (US) LLC holds 478,545 shares of common stock, representing 4.96% of the 9,644,112 shares outstanding as of May 6, 2026. Manulife Investment Management Limited holds an additional 2,297 shares, or 0.02% of the class.

Through its parent-subsidiary relationship with these entities, Manulife Financial Corporation may be deemed to share beneficial ownership of these same shares. The filing indicates ownership of 5 percent or less of the issuer’s common stock, with the U.S. and Canadian investment management subsidiaries each holding sole voting and dispositive power over their respective positions.

Key Figures

MIM (US) shares held: 478,545 shares MIML shares held: 2,297 shares MIM (US) ownership percentage: 4.96 % +3 more

6 metrics

MIM (US) shares held 478,545 shares Beneficial ownership of Citizens Community Bancorp common stock by Manulife Investment Management (US) LLC

MIML shares held 2,297 shares Beneficial ownership of Citizens Community Bancorp common stock by Manulife Investment Management Limited

MIM (US) ownership percentage 4.96 % Percent of Citizens Community Bancorp common stock class held by MIM (US) as of May 6, 2026

MIML ownership percentage 0.02 % Percent of Citizens Community Bancorp common stock class held by MIML as of May 6, 2026

Shares outstanding 9,644,112 shares Citizens Community Bancorp common stock outstanding as of May 6, 2026

MFC sole voting power 0.00 Sole voting power reported for Manulife Financial Corporation on the cover page

Key Terms

beneficial ownership, sole voting power, sole dispositive power, Schedule 13G, +1 more

5 terms

beneficial ownership financial

"MIM (US) has beneficial ownership of 478,545 shares of Common Stock"

Beneficial ownership means the person or entity that actually enjoys the benefits of owning shares or other assets — such as receiving dividends, voting rights, or price gains — even if the legal title is held in another name. For investors it matters because knowing who truly controls and profits from a company reveals who can influence decisions, exposes potential conflicts of interest or hidden concentration of power, and affects transparency and risk in the stock.

sole voting power financial

"5 | Sole Voting Power 478,545.00 6 | Shared Voting Power 0.00"

Sole voting power is the exclusive right to cast votes attached to a shareholder’s stock without needing approval from anyone else. Like holding the only remote control for a TV, it lets that holder decide corporate matters such as board members, mergers, and policy changes, making it important to investors because it concentrates control and can strongly influence a company’s strategy and the value of its shares.

sole dispositive power financial

"7 | Sole Dispositive Power 478,545.00 8 | Shared Dispositive Power 0.00"

Sole dispositive power is the exclusive legal authority to decide what happens to a security — for example, whether to sell, transfer, or retain shares — without needing anyone else’s permission. Investors care because it signals who truly controls the economic outcome of an investment: like holding the only key to a safe, the holder can realize gains or losses and may trigger regulatory reporting, insider rules, or influence over corporate ownership.

Schedule 13G regulatory

"information that would otherwise be disclosed in a Schedule 13D."

A Schedule 13G is a formal document that investors file with the government when they acquire a large ownership stake in a company, usually for investment purposes rather than control. It helps keep the public informed about who owns significant parts of a company's shares, which can influence how the company is managed and how investors make decisions. Filing this schedule is important for transparency and understanding the ownership landscape of publicly traded companies.

parent-subsidiary relationship financial

"Through its parent-subsidiary relationship to MIM (US) and MIML, MFC may be deemed"

FAQ

What percentage of Citizens Community Bancorp (CZWI) shares does Manulife Investment Management (US) LLC hold?

Manulife Investment Management (US) LLC holds 478,545 shares of Citizens Community Bancorp common stock, representing 4.96% of the 9,644,112 shares outstanding as of May 6, 2026, based on issuer data cited.

How many Citizens Community Bancorp (CZWI) shares does Manulife Investment Management Limited own?

Manulife Investment Management Limited beneficially owns 2,297 shares of Citizens Community Bancorp common stock, equal to 0.02% of the class, using the issuer’s 9,644,112 outstanding shares as of May 6, 2026 as the reference.

What is the total share count used to calculate Manulife’s CZWI ownership percentages?

The ownership percentages are calculated using 9,644,112 shares of Citizens Community Bancorp common stock outstanding as of May 6, 2026, as reported in the issuer’s Form 10-K referenced in the Schedule 13G/A filing.

Does Manulife Financial Corporation report owning more than 5% of Citizens Community Bancorp (CZWI)?

No. The Schedule 13G/A states ownership of 5 percent or less of Citizens Community Bancorp’s common stock, with Manulife’s U.S. and Canadian investment management subsidiaries reporting stakes of 4.96% and 0.02%, respectively.

Which Manulife entities have voting and dispositive power over CZWI shares?

Manulife Investment Management (US) LLC has sole voting and dispositive power over 478,545 shares, and Manulife Investment Management Limited has sole voting and dispositive power over 2,297 shares. Manulife Financial Corporation may be deemed to beneficially own these shares through its parent-subsidiary relationships.

What type of filing did Manulife make regarding its CZWI holdings?

Manulife filed an amended Schedule 13G/A (Amendment No. 2) reporting its indirect beneficial ownership in Citizens Community Bancorp through Manulife Investment Management (US) LLC and Manulife Investment Management Limited, confirming aggregate ownership of 5 percent or less of the common stock.

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Available on EDGAR 08/14/2026 - 10:49 AM Accepted by SEC EDGAR 08/14/2026 - 10:48 AM Learn about SEC filing dates

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

(Amendment No. 2)

Citizens Community Bancorp Inc.

(Name of Issuer)

Common Stock

(Title of Class of Securities)

174903104

(CUSIP Number)

06/30/2026

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Rule 13d-1(b)

Rule 13d-1(c)

Rule 13d-1(d)

schemaVersion:

SCHEDULE 13G

CUSIP Number(s): 174903104

1

Names of Reporting Persons

Manulife Financial Corporation

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

CANADA (FEDERAL LEVEL)

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 0.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 0.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

0.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

0 %

12

Type of Reporting Person (See Instructions)

HC

SCHEDULE 13G

CUSIP Number(s): 174903104

1

Names of Reporting Persons

Manulife Investment Management Limited

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

CANADA (FEDERAL LEVEL)

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 2,297.00
6	Shared Voting Power 0.00
7	Sole Dispositive Power 2,297.00
8	Shared Dispositive Power 0.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

2,297.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

0.02 %

12

Type of Reporting Person (See Instructions)

FI

SCHEDULE 13G

CUSIP Number(s): 174903104

1

Names of Reporting Persons

Manulife Investment Management (US) LLC

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

DELAWARE

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 478,545.00
6	Shared Voting Power 0.00
7	Sole Dispositive Power 478,545.00
8	Shared Dispositive Power 0.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

478,545.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

4.96 %

12

Type of Reporting Person (See Instructions)

IA

SCHEDULE 13G

Item 1.
(a)	Name of issuer: Citizens Community Bancorp Inc.
(b)	Address of issuer's principal executive offices: 2174 Eastridge Center, Eau Claire, WI 54701
Item 2.
(a)	Name of person filing: This filing is made on behalf of Manulife Financial Corporation ("MFC") and MFC's indirect, wholly-owned subsidiaries, Manulife Investment Management (US) LLC ("MIM (US)") and Manulife Investment Management Limited ("MIML")
(b)	Address or principal business office or, if none, residence: The principal business offices of MFC and MIML are located at 200 Bloor Street East, Toronto, Ontario, Canada, M4W 1E5. The principal business office of MIM (US) is located at 197 Clarendon Street, Boston, Massachusetts 02116.
(c)	Citizenship: MFC and MIML are organized and exist under the laws of Canada. MIM (US) is organized and exists under the laws of the State of Delaware.
(d)	Title of class of securities: Common Stock
(e)	CUSIP No.: 174903104
Item 3.	If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)	Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)	Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)	Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)	Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)	An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
(f)	An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
(g)	A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
(h)	A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)	A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)	A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:
(k)	Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
	FI
Item 4.	Ownership
(a)	Amount beneficially owned: MIM (US) has beneficial ownership of 478,545 shares of Common Stock and MIML has beneficial ownership of 2,297 shares of Common Stock. Through its parent-subsidiary relationship to MIM (US) and MIML, MFC may be deemed to have beneficial ownership of these same shares.
(b)	Percent of class: Of the 9,644,112 shares of Common Stock outstanding as of May 6, 2026, according to the Form 10-K filed by the issuer with the Securities and Exchange Commission on May 6, 2026 MIM (US) held 4.96% and MIML held 0.02%.
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: Incorporated by reference to Item 5 of the cover page pertaining to each reporting person.
	(ii) Shared power to vote or to direct the vote: Incorporated by reference to Item 6 of the cover page pertaining to each reporting person.
	(iii) Sole power to dispose or to direct the disposition of: Incorporated by reference to Item 7 of the cover page pertaining to each reporting person.
	(iv) Shared power to dispose or to direct the disposition of: Incorporated by reference to Item 8 of the cover page pertaining to each reporting person.
Item 5.	Ownership of 5 Percent or Less of a Class.
	Ownership of 5 percent or less of a class
Item 6.	Ownership of more than 5 Percent on Behalf of Another Person.
	Not Applicable
Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
	If a parent holding company has filed this schedule, pursuant to Rule 13d-1(b)(ii)(G), so indicate under Item 3(g) and attach an exhibit stating the identity and the Item 3 classification of the relevant subsidiary. If a parent holding company has filed this schedule pursuant to Rule 13d-1(c) or Rule 13d-1(d), attach an exhibit stating the identification of the relevant subsidiary. See Items 3 and 4 above.
Item 8.	Identification and Classification of Members of the Group.
	Not Applicable
Item 9.	Notice of Dissolution of Group.
	Not Applicable

Item 10.	Certifications:
	By signing below I certify that, to the best of my knowledge and belief, the foreign regulatory scheme applicable to MIML is substantially comparable to the regulatory scheme applicable to the functionally equivalent U.S. institution(s). I also undertake to furnish to the Commission staff, upon request, information that would otherwise be disclosed in a Schedule 13D.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

Manulife Financial Corporation

Signature:	/s/ Graham Miller
Name/Title:	Graham Miller / Agent*
Date:	08/13/2026

Manulife Investment Management Limited

Signature:	/s/ Christopher Walker
Name/Title:	Christopher Walker / Chief Compliance Officer
Date:	08/05/2026

Manulife Investment Management (US) LLC

Signature:	/s/ Paul Donahue
Name/Title:	Paul Donahue / Chief Compliance Officer
Date:	08/05/2026

Comments accompanying signature: *Signed pursuant to a Power of Attorney dated January 17, 2018 included as Exhibit A to Schedule 13F-NT filed with the Securities and Exchange Commission by Manulife Financial Corporation on January 29, 2018. The original statement shall be signed by each person on whose behalf the statement is filed or his authorized representative. If the statement is signed on behalf of a person by his authorized representative other than an executive officer or general partner of the filing person, evidence of the representative's authority to sign on behalf of such person shall be filed with the statement, provided, however, that a power of attorney for this purpose which is already on file with the Commission may be incorporated by reference. The name and any title of each person who signs the statement shall be typed or printed beneath his signature. NOTE: Schedules filed in paper format shall include a signed original and five copies of the schedule, including all exhibits. See ss.240.13d-7 for other parties for whom copies are to be sent. Attention: Intentional misstatements or omissions of fact constitute Federal criminal violations (See 18 U.S.C. 1001)

Exhibit Information

EXHIBIT A - JOINT FILING AGREEMENT