NASDAQ: CZWICitizens Community Bancorp Inc Stock
$13.74+0.15 (+1.1%)
Updated Apr 21, 2025
CZWI Price
$13.74
Fair Value Price
$6.56
Market Cap
$137.26M
52 Week Low
$10.14
52 Week High
$17.04
P/E
10.25x
P/B
0.77x
P/S
2.74x
PEG
N/A
Dividend Yield
N/A
Revenue
$59.76M
Earnings
$13.75M
Gross Margin
100%
Operating Margin
29.2%
Profit Margin
23%
Debt to Equity
8.76
Operating Cash Flow
$20M
Beta
0.38
Next Earnings
Apr 28, 2025
Ex-Dividend
N/A
Next Dividend
N/A
CZWI Overview
Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal N.A. that provides various traditional community banking services to businesses, agricultural operators, and consumers. The company accepts various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit. It also offers various loan products comprising commercial real estate, commercial and industrial, agricultural real estate, agricultural operating, and consumer loans; and one-to-four family residential mortgages and home equity lines-of-credit. In addition, the company provides a portfolio of investments, such as mortgage-backed, corporate asset-backed, U.S. Government sponsored agency, corporate debt, and trust preferred securities. It operates through a network of 25 full-service branch in Wisconsin and Minnesota. Citizens Community Bancorp, Inc. was founded in 1938 and is based in Eau Claire, Wisconsin.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine CZWI's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
F
CZWI
Ranked#128 of 296
Ranked#128 of 296
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $12.60 | B | |
| $14.23 | B | |
| $30.90 | B |
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CZWI News
Overview
Due Diligence Score
–
Industry Average (33)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how CZWI scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
CZWI ($13.74) is overvalued by 109.59% relative to our estimate of its Fair Value price of $6.56 based on Discounted Cash Flow (DCF) modelling
Below Fair Value Valuation
CZWI ($13.74) is not significantly undervalued (109.59%) relative to our estimate of its Fair Value price of $6.56 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
CZWI is forecast by analysts... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more CZWI due diligence checks available for Premium users.
Valuation
CZWI fair value
Fair Value of CZWI stock based on Discounted Cash Flow (DCF)
Price
$13.74
Fair Value
$6.56
Overvalued by
109.59%
CZWI ($13.74) is overvalued by... subscribe to Premium to read more.
Below Fair Value Valuation
CZWI ($13.74) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
CZWI is forecast by analysts... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
CZWI price to earnings (PE)
For valuing profitable companies with steady earnings
Company
10.25x
Industry
13.07x
Market
27.14x
CZWI is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
CZWI is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
CZWI price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
0.77x
Industry
1.07x
CZWI is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
CZWI's financial health
Profit margin
Revenue
$14.2M
Net Income
$2.7M
Profit Margin
19.1%
CZWI's Earnings (EBIT) of $17.45M... subscribe to Premium to read more.
Interest Coverage Financials
CZWI's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$1.7B
Liabilities
$1.6B
Debt to equity
8.76
CZWI's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
CZWI's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$2.6M
Investing
$60.8M
Financing
-$49.8M
CZWI's operating cash flow ($20.18M)... subscribe to Premium to read more.
Debt Coverage Financials
CZWI vs Bank Stocks
Citizens Community Bancorp Stock FAQ
Company
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