CZWI Valuation

Citizens Community Bancorp Inc

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16.310

-0.15(-0.911%)1D

Overview
Forecast
Valuation
Earnings

CZWI Relative Valuation

CZWI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, CZWI is overvalued; if below, it's undervalued.

Historical Valuation

Citizens Community Bancorp Inc (CZWI) is now in the Fair zone, suggesting that its current forward PE ratio of 11.08 is considered Fairly compared with the five-year average of 9.75. The fair price of Citizens Community Bancorp Inc (CZWI) is between 12.43 to 16.53 according to relative valuation methord.

Relative Value

Fair Zone

12.43-16.53

Current Price：16.46

Fair

11.08

Trailing

Forward

0.00

EV/EBITDA

Citizens Community Bancorp Inc. (CZWI) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

Citizens Community Bancorp Inc. (CZWI) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

2.59

Citizens Community Bancorp Inc. (CZWI) has a current PS of 2.59. The 5-year average PS is 2.15. The thresholds are as follows: Strongly Undervalued below 1.48, Undervalued between 1.48 and 1.82, Fairly Valued between 2.48 and 1.82, Overvalued between 2.48 and 2.82, and Strongly Overvalued above 2.82. The current Forward PS of 2.59 falls within the Overvalued range.

0.00

P/OCF

Citizens Community Bancorp Inc. (CZWI) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Citizens Community Bancorp Inc. (CZWI) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Citizens Community Bancorp Inc (CZWI) has a current Price-to-Book (P/B) ratio of 0.90. Compared to its 3-year average P/B ratio of 0.74 , the current P/B ratio is approximately 20.91% higher. Relative to its 5-year average P/B ratio of 0.78, the current P/B ratio is about 15.63% higher. Citizens Community Bancorp Inc (CZWI) has a Forward Free Cash Flow (FCF) yield of approximately 3.94%. Compared to its 3-year average FCF yield of 13.54%, the current FCF yield is approximately -70.92% lower. Relative to its 5-year average FCF yield of 14.28% , the current FCF yield is about -72.43% lower.

0.90

P/B

Median3y

0.74

Median5y

0.78

3.94

FCF Yield

Median3y

13.54

Median5y

14.28

Competitors Valuation Multiple

The average P/S ratio for CZWI's competitors is 1.64, providing a benchmark for relative valuation. Citizens Community Bancorp Inc Corp (CZWI) exhibits a P/S ratio of 2.57, which is 57.46% above the industry average. Given its robust revenue growth of 20.90%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

CZWI.O

Citizens Community Bancorp Inc

CB Financial Services Inc

United Security Bancshares

Peoples Bancorp of North Carolina Inc

Loss

8.66%

171.21M

Performance Decomposition

Market capitalization of CZWI increased by 16.16% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 10.93 to 13.30.

The secondary factor is the Revenue Growth, contributed 20.90%to the performance.

Overall, the performance of CZWI in the past 1 year is driven by P/E Change. Which is more unsustainable.

20.90%

11.71M → 14.15M

Revenue Growth

-26.41%

31.39 → 23.10

Margin Expansion

21.67%

10.93 → 13.30

P/E Change

16.16%