Fairvalue-Calculator Fairvalue-Calculator
EN DE

Citizens Community Bancorp, Inc (CZWI) Fair Value & Analysis

Financial Services · US · Market cap $206M

Price$22.82
Fair Value$19.44
Upside-14.8%
Quality95/100
Evidence: High Range $14.58 – $24.30

Fair value as of: Jun 26, 2026

Analysis

Citizens Community Bancorp, Inc (CZWI) currently trades at $22.82, while our model-based Fair Value estimate is $19.44 — implying the stock looks roughly 14.8% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

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.

Open the full interactive analysis →

Similar stocks

HDFC Bank Limited (HDFCBANK) +18% PT Bank Central Asia Tbk (BBCA) -1% KB Financial Group (105560) -4% PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) +66% Banco Bradesco S.A (BBD) +100% Shinhan Financial Group (055550) +14%

Frequently asked questions

Is Citizens Community Bancorp, Inc (CZWI) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $19.44 versus a price of $22.82 — about −15% (overvalued). Model-based estimate, not financial advice.
What is the fair value of CZWI?
Our 21-model fair value for Citizens Community Bancorp, Inc is $19.44 (as of Jun 26, 2026), built from audited fundamentals. The current price is $22.82.
What is the quality score of CZWI?
Citizens Community Bancorp, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.