Citizens Community Bancorp Inc. (CZWI) — SEC Filings
Citizens Community Bancorp Inc. (CZWI) — 29 SEC filings. Latest: 10-Q (Nov 4, 2025). Includes 14 8-K, 6 10-Q, 6 SC 13G/A.
View Citizens Community Bancorp Inc. on SEC EDGAR
Overview
Citizens Community Bancorp Inc. (CZWI) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 10-Q filed on Nov 4, 2025: Citizens Community Bancorp Inc. (CZWI) reported a net income of $3.682 million for the three months ended September 30, 2025, an increase from $3.286 million in the same period of 2024. For the nine months ended September 30, 2025, net income decreased to $10.149 million from $11.049 million in the
Sentiment Summary
Across 29 filings, the sentiment breakdown is: 1 bearish, 27 neutral, 1 mixed. The dominant filing sentiment for Citizens Community Bancorp Inc. is neutral.
Filing Type Overview
Citizens Community Bancorp Inc. (CZWI) has filed 6 10-Q, 14 8-K, 1 DEF 14A, 2 10-K, 6 SC 13G/A with the SEC between Jan 2024 to Nov 2025.
Filings by Year
Recent SEC Filings (29)
Risk Profile
Risk Assessment: Of CZWI's 21 recent filings, 1 were flagged as high-risk, 3 as medium-risk, and 17 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Financial Highlights
| Metric | Value |
|---|---|
| Revenue | $22.254M |
| Net Income | $3.682M |
| EPS | $0.37 |
| Debt-to-Equity | 0.25 |
| Cash Position | $82.431M |
| Operating Margin | N/A |
| Total Assets | $1.727B |
| Total Debt | $46.762M |
Industry Context
The community banking sector operates in a highly competitive environment, facing pressure from larger national banks, credit unions, and fintech companies. Key industry trends include digital transformation, evolving customer expectations for seamless online and mobile experiences, and a persistent focus on regulatory compliance. Interest rate fluctuations significantly impact net interest margins, a critical profitability driver for banks.
Top Tags
8-K (4) · financials (4) · financial-condition (3) · corporate-governance (3) · 10-Q (3) · quarterly-report (3) · financial-reporting (3) · 8-k (3) · Regional Banking (2) · Financial Performance (2)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Net Income (Q3 2025) | $3.682M | Increased from $3.286M in Q3 2024 |
| Net Income (YTD Sep 2025) | $10.149M | Decreased from $11.049M in YTD Sep 2024 |
| Total Assets | $1.727B | Decreased from $1.749B at Dec 31, 2024 |
| Loans Receivable, Net | $1.301B | Decreased from $1.348B at Dec 31, 2024 |
| Cash and Cash Equivalents | $82.431M | Increased from $50.172M at Dec 31, 2024 |
| Provision for Credit Losses (Q3 2025) | $650K | Shifted from a $(400)K benefit in Q3 2024 |
| Total Stockholders' Equity | $186.815M | Increased from $179.084M at Dec 31, 2024 |
| Total Interest Expense (Q3 2025) | $9.040M | Decreased from $11.227M in Q3 2024 |
| SEC File Number | 001-33003 | Identifies the company's filing with the SEC. |
| EIN | 20-5120010 | Employer Identification Number for tax purposes. |
| Net Income (Q2 2025) | $3.5M | Decreased 16.7% from $4.2M in Q2 2024 |
| Net Income (H1 2025) | $7.0M | Decreased 17.6% from $8.5M in H1 2024 |
| Total Interest Income (Q2 2025) | $20.1M | Increased 3.1% from $19.5M in Q2 2024 |
| Interest Expense (Q2 2025) | $7.8M | Increased 30% from $6.0M in Q2 2024 |
| Total Assets (June 30, 2025) | $1.5B | Consistent with December 31, 2024 |
Forward-Looking Statements
- {"claim":"Banc Funds Co LLC will maintain a significant, passive stake in Citizens Community Bancorp Inc. for the foreseeable future.","entity":"Banc Funds Co LLC","targetDate":"2025-12-31","confidence":"high"}
Frequently Asked Questions
What are the latest SEC filings for Citizens Community Bancorp Inc. (CZWI)?
Citizens Community Bancorp Inc. has 29 recent SEC filings from Jan 2024 to Nov 2025, including 14 8-K, 6 10-Q, 6 SC 13G/A. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of CZWI filings?
Across 29 filings, the sentiment breakdown is: 1 bearish, 27 neutral, 1 mixed. The dominant sentiment is neutral.
Where can I find Citizens Community Bancorp Inc. SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Citizens Community Bancorp Inc. (CZWI) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Citizens Community Bancorp Inc.?
Key financial highlights from Citizens Community Bancorp Inc.'s most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for CZWI?
The investment thesis for CZWI includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Citizens Community Bancorp Inc.?
Executive information for Citizens Community Bancorp Inc. is extracted from SEC filings as they are enriched with AI analysis.
What are the main risk factors for Citizens Community Bancorp Inc. stock?
Of CZWI's 21 assessed filings, 1 were flagged high-risk, 3 medium-risk, and 17 low-risk.
What are recent predictions and forward guidance from Citizens Community Bancorp Inc.?
Recent forward-looking statements from Citizens Community Bancorp Inc. include guidance on {"claim":"Banc Funds Co LLC will maintain a significant, passive stake in Citizens Community Bancorp Inc. for the forese.