Is Citizens Community Bancorp, Inc. (CZWI) Overvalued?
We dive into why Citizens Community Bancorp, Inc. (CZWI) could be considered overvalued on 2026-08-19, based on AAII’s Value Score and Grade.Rosalio Madrigal
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COMPANY SUMMARY
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 in the United States, Wisconsin, Minnesota and internationally. The company offers various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit. It also provides various loan products, such as 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 maintains a portfolio of investments comprising mortgage-backed, asset-backed, U.S. Government sponsored agency, and corporate debt securities. Citizens Community Bancorp, Inc. was founded in 1938 and is based in Eau Claire, Wisconsin.
Commentary & Analysis
Why Citizens Community Bancorp, Inc.’s (CZWI) Stock Is Down 5.65%
As of Monday, July 27, Citizens Community Bancorp, Inc.’s CZWI share price has dipped by 5.65%, which has investors questioning if this is right time to buy.Cynthia McLaughlin
What You Need to Know About Citizens Community Bancorp, Inc.'s Q3 Earnings
Citizens Community Bancorp, Inc.'s fiscal Q3 earnings report was released on Monday, July 27. Let's dive in to see if (CZWI) missed or beat analyst's expectations.Rosalio Madrigal
5 Undervalued Banks Stocks for Monday, June 22
Discover the top 5 undervalued Banks stocks for Monday, June 22 based on AAII’s Stock Grades.Rosalio Madrigal
What You Need to Know About Citizens Community Bancorp, Inc.'s Q2 Earnings
Citizens Community Bancorp, Inc.'s fiscal Q2 earnings report was released on Monday, April 27. Let's dive in to see if (CZWI) missed or beat analyst's expectations.Jenna Brashear
Financial Summary
| Share Statistics | CZWI | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $201.8 | $751.0 | 27% |
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| Shares Out (Mil) | 9.6 | 15.4 | 20% |
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| Institutional Ownership | 80.3% | 83.2% | 49% |
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| Float (Mil) | 7.9 | 21.8 | 16% |
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| Beta | na | 0.43 | na |
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| Avg Daily Volume (000s) | 41 | 42 | 26% |
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| Price Change (52-week) |
32.3% | 94.6% | 70% |
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| Growth | CZWI | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | (0.2%) | 7.7% | 16% |
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| Net Income (5yr) | 2.5% | 11.1% | 43% |
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| EPS (5yr) | 5.0% | 10.1% | 38 |
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| Dividends (5yr) | 11.4% | 3.6% | 61% |
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| Cash Flow (5yr) | 4.0% | (17.1%) | 67% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 2 | 2 | 2 | |
| Current EPS | $0.440 | $1.430 | $2.170 | |
| Month Ago EPS | $0.490 | $1.820 | $2.215 | |
| # Rev Up | 1 | 1 | 1 | |
| # Rev Down | 0 | 0 | 0 | |
| Three Months Ago EPS | $0.490 | $1.820 | $2.215 | |
| Year/Year Chg | 300.0% | (1.9%) | na | |
| Financials | CZWI | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $58 | $196 | 21% |
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| Net Income (TTM) (Mil) | $13 | $55 | 47% |
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| EPS (TTM) | $1.318 | $2.600 | 64% |
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| Operating Cash Flow (TTM) (Mil) | $22 | $36 | 42% |
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| Net Cash Flow (TTM) (Mil) | $54 | $2 | 71% |
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| Long-Term Debt (Q1) (Mil) | $52 | $101 | 39% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | CZWI | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.05 | 1.25 | 24% |
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| P/E | 15.9 | 12.5 | 40% |
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| Dividend Yield | 2.0% | 2.2% | 76% |
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| PEG (5yr hist) | 3.2 | 1.1 | 79% |
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| Ratios | CZWI | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 22.0% | 29.1% | 81% |
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| ROA | 0.7% | 1.1% | 43% |
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| ROE | 6.8% | 11.3% | 48% |
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| Liabilities to Assets | 89.5% | 89.7% | 85% |
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| F-Score | 5 | 4 | 50% |
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Passing Stock Screens
As of 8/20/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
