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Citizens Community Bancorp Inc (CZWI) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Citizens Community Bancorp Inc stock $15.64, price $23.38, that is 33.1% below the price, quality 49 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

CC Citizens Community Bancorp Inc logo Broad data Nov 6, 2026

Citizens Community Bancorp Inc

CZWI · US
Expensive, weak quality

Our calculation puts a fair price 33% below what the stock costs today.

Highly profitable · 24.2% net margin (TTM)
0.9% dividend yield · Low payout
Broad data
Profit last quarter +51% vs. a year ago.
Quality 49/100
Moderate moat 56/100
Insiders bought $40,925 (6M) · sold $104,176
Fair value $15.64 · Overvalued
Weak Growth (revenue 5y +1.7 %/yr in USD)
Trails peers (2/14)
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$24.40 $7.26 Fair Value $15.64 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.

How to read this chart

60‑month range $7.26 – $24.40 · fair‑value band $13.89 – $17.12 · the $23.38 price screens above the $15.64 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.

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Company profile

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.

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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.

Stock analysis

Citizens Community Bancorp Inc (CZWI) currently trades at $23.38, while our model-based Fair Value estimate is $15.64, 33% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $18.52 per share, and 0 of the 6 models we run sit above the $23.38 price.

Bear case: the Dividend Discount group reads lowest at $4.84, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $13.89 (bear) to $17.12 (bull), the price of $23.38 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 49/100 (below-average quality), in the Financial Services sector.

Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.

Citizens Community Bancorp Inc reported revenue of $90.1M in FY2025 versus $80.1M in FY2021, a compound +3.0%/yr. Reported net income was $14.4M in FY2025, compounding −9.3%/yr from FY2021.

Key figures

Market cap $234M Micro · P/E ratio 17.8 · P/S ratio 3.91 · EPS (TTM) $1.31 · Dividend yield 0.9% · Net margin 24.2% · Return on equity 7.7% · Return on assets (EBIT) 1.1% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 56 out of 100 (medium confidence).

What moves the price

The share trades about 4% below its 52-week high and 47% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −33%, CZWI screens richer than that median.

Fair Value models

Bear $13.89 Fair Value $15.64 Bull $17.12
Price $23.38 · Downside -33.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.9433 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $15.20 $15.64 $17.12 76
Gordon GGM $2.87 $5.10 $6.95 68
DDM Multi-Stage $2.87 $4.57 $5.46 67
All 6 models by family
Dividend Discount
Gordon GGM $2.87 $5.10 $6.95 68
DDM Multi-Stage $2.87 $4.57 $5.46 67
Multiples
P/E Multiple $14.68 $19.57 $24.46 63
P/B Multiple $13.10 $17.46 $21.83 55
Asset-Based
NCAV (Graham) $7.96 $10.67 $15.93 54
Economic Profit
Residual Income $15.20 $15.64 $17.12 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 49/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 27
How much profit the company makes from its sales and capital
Quality Growth 19
Are margins and returns getting better?
Cashflow 54
Do the profits arrive as real cash?
Financial strength 22
Debt, balance sheet and risk of trouble
Investment 93
Does it invest with discipline instead of growing at any price?
Low Volatility 88
How calm the share price moves, does not count
Price momentum 64
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 86
Distance to the 52-week high, does not count
New shares 73
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 2 officers or directors bought shares worth $40,925, most recently on Aug 10, 2026. Over the same period, one person sold shares worth $104,176. Buying cluster

  • BuyStephen M BianchiCEO and President, Director1,000 shares at $20.50$20,500Aug 10, 2026
  • BuyFrancis E FelberDirector3× since May 4, 2026: 2,000 shares, avg. $20.51$41,025Aug 10, 2026
  • SaleJames D MollDirector2× since May 14, 2026: 5,000 shares, avg. $20.84$104,176May 18, 2026
  • BuyKathleen SkarvanDirector750 shares at $21.16$15,869May 8, 2026
  • BuyTimothy L OlsonDirector1,000 shares at $20.95$20,950May 5, 2026
  • BuyMichael R ConnerDirector1,100 shares at $20.95$23,045Apr 30, 2026

Plus 2 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
−9.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+1.7%
Start year 2020 (pandemic). Over 10 years: +12.8% a year
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+19.1%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
+2.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+1.8%
Dividend (yield on the price)0.9%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.5.4% vs 11.8%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.21% → 7%
Pace: the 5-year rate starts in 2020 (pandemic)

CZWI screens overvalued: fair value 33% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 2/14 measures
Overall it trails its industry peers.
Valuation
Quality Score 49 · Below median
Fair Value upside −33.1% · Below median
Profitability
Return on equity (12 months) 7.7% · Below median
Return on assets 0.8% · Below median
Net margin (12 months) 24.2% · Below median
Operating margin (12 months) 40.5% · Below median
Growth and dividend
Revenue growth (quarter YoY) 10.7% · Above median
Dividend yield (12 months) 0.9% · Bottom 25%
Balance sheet
Debt / equity 0.28× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 17.8× · Priciest 25%
P/B 1.25× · Pricier than median
P/S (12 months) 3.91× · Pricier than median
Price / free cash flow (fiscal year) 22.6× · Priciest 25%
EV/EBITDA 18.8× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)54 · sector 47
PAST (return on equity)31 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)18 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs CZWI
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs CZWI
BNP Paribas SA BNP €91.93 €106.01 +15% vs CZWI
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs CZWI
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs CZWI
UniCredit S.p.A UCG €76.80 €50.44 −34% vs CZWI
Mizuho Financial Group MFG $9.40 $5.89 −37% vs CZWI
DBS Group D05 69.72 SGD 40.39 SGD −42% vs CZWI
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs CZWI
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs CZWI

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Cite: Fair Value Calculator (2026). "Citizens Community Bancorp Inc Fair Value". https://www.fairvalue-calculator.com/stock/CZWI

Frequently asked questions

Is Citizens Community Bancorp Inc (CZWI) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of $15.64 versus a price of $23.38, about 33% lower (overvalued).
What is the fair value of CZWI?
Our model-based fair value for Citizens Community Bancorp Inc is $15.64 (as of Nov 6, 2026), built from audited fundamentals. The current price: $23.38.
What is the quality score of CZWI?
Citizens Community Bancorp Inc has a Quality Score of 49/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Citizens Community Bancorp Inc (CZWI)?
Our model-based price target is the fair value of $15.64 (as of Nov 6, 2026) from 6 valuation models. Cautious scenario $13.89, optimistic scenario $17.12. It is a calculation from audited fundamentals, not an analyst target.
What is the Citizens Community Bancorp Inc stock forecast for 2026?
Our models put fair value at $15.64, about 33% lower versus a price of $23.38 (overvalued). Cautious scenario $13.89, optimistic scenario $17.12. The calculation is refreshed regularly with new filings.
What is the revenue of Citizens Community Bancorp Inc (CZWI)?
Citizens Community Bancorp Inc reported trailing-twelve-month revenue of about $60.0M (latest available figure, as of Nov 6, 2026).
Does Citizens Community Bancorp Inc pay a dividend?
Citizens Community Bancorp Inc currently shows a dividend yield of 0.90% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of Citizens Community Bancorp Inc (CZWI) and when is the ex-dividend date?
Citizens Community Bancorp Inc pays a dividend of $0.21 per share a year, a dividend yield of 0.9%. The last ex-dividend date was Nov 6, 2026. A dividend has been paid every year since 2013. The payout ratio is 16.0% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Citizens Community Bancorp Inc (CZWI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Citizens Community Bancorp Inc it is $15.64 per share (as of Nov 6, 2026), against a price of $23.38. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Citizens Community Bancorp Inc stock overvalued or undervalued in 2026?
As of Nov 6, 2026, CZWI trades above its calculated fair value: price $23.38, fair value $15.64, a gap of about −33% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CZWI?
No. The price is what the market pays today ($23.38); the fair value is what the company's own numbers justify ($15.64). For Citizens Community Bancorp Inc the two are $7.74 per share apart. That gap is exactly why we show both numbers side by side.
How much is Citizens Community Bancorp Inc worth?
The market values Citizens Community Bancorp Inc at about $234M (market capitalisation, as of Nov 6, 2026). Per share that is $23.38; our models calculate a fair value of $15.64 per share.
What do the bullish and bearish scenarios say about CZWI?
Our models span a range for Citizens Community Bancorp Inc: cautious scenario $13.89, base $15.64, optimistic $17.12 per share (as of Nov 6, 2026, price $23.38). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CZWI?
Citizens Community Bancorp Inc trades at a price-to-earnings ratio of 17.8 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $15.64 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, FY2019, FY2022, FY2023 ex one-offs: 10.8. Other multiples: P/B 1.3, P/S 3.9, EV/EBITDA 18.8.
How solid is the balance sheet of Citizens Community Bancorp Inc (CZWI)?
Balance-sheet figures for Citizens Community Bancorp Inc (as of Nov 6, 2026): return on equity 7.7%, debt of 0.28 per unit of equity. They feed the Quality Score of 49/100, which measures business quality independently of the share price.
How far is CZWI from its 52-week high?
Citizens Community Bancorp Inc trades at $23.38, about 4% below its 52-week high of $24.40 and 47% above the low of $15.94 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $15.64 is for.
Which stocks are comparable to Citizens Community Bancorp Inc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Citizens Community Bancorp Inc stock attractive at the current price?
The data as of Nov 6, 2026: price $23.38, calculated fair value $15.64 (−33%), Quality Score 49/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CZWI calculated?
We run Citizens Community Bancorp Inc through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $15.64 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Citizens Community Bancorp Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Citizens Community Bancorp Inc (CZWI)?
The closing price on Nov 6, 2026 was $23.38. Our model-based fair value is $15.64, about 33% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Citizens Community Bancorp Inc right now?
The price sits above even our optimistic bull case ($17.12). The favourable scenario is already priced in. Weak quality (49/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Citizens Community Bancorp Inc (CZWI) come from?
Earnings per share at Citizens Community Bancorp Inc grew +12.9 % a year from 2014 to 2025. Broken into its drivers: revenue per share +6.5 %, EBIT margin +1.4 %, tax rate +1.9 %, residual (interest, one-offs) +2.6 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Citizens Community Bancorp Inc

How large is the market capitalisation of Citizens Community Bancorp Inc (CZWI)?
The market capitalisation of Citizens Community Bancorp Inc is $234M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Citizens Community Bancorp Inc (CZWI)?
The price-to-sales ratio of Citizens Community Bancorp Inc is 3.91 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Citizens Community Bancorp Inc (CZWI)?
Earnings per share at Citizens Community Bancorp Inc are $1.31 (price ÷ EPS = P/E 17.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Citizens Community Bancorp Inc (CZWI)?
The dividend yield of Citizens Community Bancorp Inc is 0.9% (payout 16.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Citizens Community Bancorp Inc (CZWI)?
The net margin of Citizens Community Bancorp Inc is 24.2% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Citizens Community Bancorp Inc (CZWI)?
The return on equity (ROE) of Citizens Community Bancorp Inc is 7.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Citizens Community Bancorp Inc (CZWI)?
On an EBIT basis the return on assets of Citizens Community Bancorp Inc is 1.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Citizens Community Bancorp Inc (CZWI)?
The operating margin of Citizens Community Bancorp Inc is 40.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Citizens Community Bancorp Inc (CZWI)?
Revenue at Citizens Community Bancorp Inc is growing +10.7% versus a year earlier (3y avg +3.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Citizens Community Bancorp Inc (CZWI)?
Earnings per share at Citizens Community Bancorp Inc are growing +51.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Citizens Community Bancorp Inc (CZWI) generate?
The free cash flow of Citizens Community Bancorp Inc is $10.4M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Citizens Community Bancorp Inc (CZWI) hold?
Citizens Community Bancorp Inc holds more cash than debt, $67.0M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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