Citizens Community Bancorp, Inc. (CZWI)
Valuation Overview•Is Citizens Community Bancorp, Inc. Overvalued or Undervalued?
The market is pricing the stock in line with historical averages, assuming steady-state growth.
Moderate quality score of 51/100, reflecting stable operating margins and manageable leverage.
Wall Street forecasts a balanced outlook with consensus price targets near the current price.
Verdict: Average quality business weighed down by significant profitability concerns.
Wall Street sentiment is generally neutral alongside robust expected earnings growth. This is paired with healthy capital returns, driven by a balanced mix of reliable dividends and share buybacks.
CZWI struggles with subpar profitability and pressured margins. This is backed by a fortress balance sheet, holding significant net cash ($67M) and minimal debt risk.
The company maintains stable top-line performance however, earnings have severely contracted over the same period. Operating efficiency remains adequate with margins around 7.0%.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $15.8M | -9.4% | — | — | +12.8% | |
| EBITDA | -$6.1M | — | -31.4% | — | — | |
| Net Income | $4.3M | +4.9% | -6.7% | — | +17.8% | |
| EPS (Diluted) | $0.44 | +9.0% | -4.8% | +5.1% | +11.3% | |
| Free Cash Flow | $3.8M | -46.2% | -26.1% | -13.3% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 54.7% | 59.0% | 69.2% | 75.6% |
| Operating Margin | 7.0% | 14.9% | 22.0% | 43.9% |
| Net Margin | 16.0% | 14.6% | 18.5% | 32.2% |
| FCF Margin | 12.4% | 14.5% | 19.5% | 44.1% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | $0.36 | $0.39 | +8.3% | ||
| Q1'26 | — | $0.44 | — | ||
| Q1'26 | $0.37 | $0.44 | +18.9% | ||
| Q4'25 | $0.37 | $0.37 | +0.0% | ||
| Q3'25 | $0.29 | $0.33 | +13.8% | ||
| Q2'25 | $0.27 | $0.32 | +18.5% | ||
| Q1'25 | — | $0.27 | — | ||
| Q1'25 | $0.27 | $0.27 | +0.0% |
Total return is +62.6% (1Y), outperforming the benchmark by +37.7%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +23.6% | +14.3% | — |
| 1Y | +62.6% | +37.7% | +1.6% |
| 3YCAGR | +35.7% | +16.0% | +10.0% |
| 5YCAGR | +10.4% | -2.0% | +10.4% |
| 10YCAGR | +8.3% | -5.2% | — |
The S&P 500 is at 31.3x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about Citizens Community Bancorp, Inc. (CZWI) valuation, health, and returns.
Based on peer relative multiples, Citizens Community Bancorp, Inc. appears Fair versus peers compared to industry peers.
Citizens Community Bancorp, Inc. has multiple valuation anchors: Peer Relative Fair Value: $20.42. A convergence of these signals offers higher conviction.
Citizens Community Bancorp, Inc. displays fair financial health with a composite quality score of 51/100, supported by a Piotroski F-Score of 6/9, Return on Invested Capital (ROIC) of 2.0%.
Citizens Community Bancorp, Inc. pays a 1.7% dividend yield, covered by a 25% payout ratio with 6 years of growth, supplemented by a 3.0% buyback yield.
Citizens Community Bancorp, Inc.'s current growth trajectory is Decelerating. The company achieved -9.4% 1Y revenue growth and +9.0% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Buy based on 2 analysts, beating EPS expectations in 75% of recent quarters with a 2-quarter streak. The consensus price target represents a N/A change from current levels.
Investment risks for Citizens Community Bancorp, Inc. include: -9.5% 1-year max drawdown. Volatility risk is characterized by a beta of 0.41x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.