CZWI trades 13.0% below Wall Street's consensus target of $24.00.
Last 12 months price action with 12-month analyst target path
The base valuation assumes CZWI achieves its forward estimates and maintains a stable P/E multiple of 14.9x. This scenario reflects the blended consensus of 3 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of September 24, 2026, Citizens Community Bancorp, Inc. (CZWI) has a Wall Street consensus price target of $24.00, based on estimates from 3 covering analysts. With the stock currently trading at $21.23, this represents a potential upside of +13.0%. The company has a market capitalization of $205M.
Analyst price targets range from a low of $24.00 to a high of $24.00, representing a 0% spread in expectations. The median target of $24.00 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Buy, with 2 analysts rating the stock as a Buy or Strong Buy,1 rating it Hold, and 0 rating it Sell or Strong Sell. The positive sentiment balance indicates moderate optimism about the stock prospects.
From a valuation perspective, CZWI trades at a trailing P/E of 14.5x and forward P/E of 14.9x. The forward PEG ratio of 2.94 reflects a premium valuation. Analysts expect EPS to grow +11.4% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $24.66, with bear and bull scenarios of $15.54 and $32.49 respectively. Model confidence stands at 46/100, suggesting limited visibility into future performance.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 BWFGBankwell Financial Group, Inc. | $522M | $65.46 | — | — | Buy | 11.3x | 3 |
 HONEHarborOne Bancorp, Inc. | $522M | $12.10 | $14.00 | +15.7% | Hold | 13.3x | 6 |
 NECBNortheast Community Bancorp, Inc. | $364M | $26.38 | $29.50 | +11.8% | Hold | 8.6x | 1 |
 LKFNLakeland Financial Corporation | $1.5B | $58.36 | $68.67 | +17.7% | Hold | 13.3x | 10 |
 KRNYKearny Financial Corp. | $588M | $9.34 | $10.75 | +15.1% | Hold | 14.9x | 5 |
 NBTBNBT Bancorp Inc. | $2.6B | $50.48 | $56.67 | +12.3% | Hold | 12.1x | 10 |
 FBIZFirst Business Financial Services, Inc. | $580M | $69.32 | $76.00 | +9.6% | Buy | 10.6x | 10 |
 JACKJack in the Box Inc. | $257M | $13.46 | $16.72 | +24.2% | Hold | 4.3x | 41 |
 FISFidelity National Information Services, Inc. | $17.9B | $34.67 | $48.42 | +39.7% | Buy | 5.6x | 37 |
 CFFNCapitol Federal Financial, Inc. | $1.1B | $8.69 | $9.75 | +12.2% | Hold | 12.7x | 5 |
Quick answers to the most common questions about buying CZWI stock.
Citizens Community Bancorp, Inc. (CZWI) has a consensus 12-month price target of $24, implying 13.0% upside from $21.23. The 3 analysts covering CZWI see moderate appreciation potential.
CZWI has a consensus rating of "Buy" based on 3 Wall Street analysts. The rating breakdown is predominantly bullish, with 2 Buy/Strong Buy ratings. The consensus 12-month price target of $24 implies 13.0% upside from current levels.
With a forward P/E of 14.8982x, CZWI trades at a relatively low valuation. The consensus target of $24 implies 13.0% appreciation, suggesting meaningful undervaluation.
The most bullish Wall Street analyst has a price target of $24 for CZWI, while the most conservative target is $24. The consensus of $24 represents the median expectation. Our quantitative valuation model projects a bull case target of $32 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
CZWI is lightly followed, with 3 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 2 have Buy ratings, 1 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month CZWI stock forecast based on 3 Wall Street analysts shows a consensus price target of $24, with estimates ranging from $24 (bear case) to $24 (bull case). The median consensus rating is "Buy". Our proprietary valuation model produces a base case fair value of $25, with bear/bull scenarios of $16/$32.
Our quantitative valuation model calculates CZWI's fair value at $25 (base case), with a bear case of $16 and bull case of $32. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 46/100.
CZWI trades at a forward P/E ratio of 14.9x based on next-twelve-months earnings estimates compared to a trailing P/E of 14.5x. The higher forward P/E suggests near-term earnings pressure. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Wall Street analysts are optimistic on CZWI, with a "Buy" consensus rating and $24 price target (13.0% upside). 2 of 3 analysts rate it Buy or Strong Buy. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
CZWI analyst price targets range from $24 to $24, a 0% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $24 consensus represents the middle ground. Our model's $16-$32 range provides an independent fundamental perspective.
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