Historical Valuation
Citizens Community Bancorp Inc (CZWI) is now in the Fair zone, suggesting that its current forward PE ratio of 10.47 is considered Fairly compared with the five-year average of 10.04. The fair price of Citizens Community Bancorp Inc (CZWI) is between 15.22 to 19.20 according to relative valuation methord.
Relative Value
Fair Zone
15.22-19.20
Current Price：18.38
Fair
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
Citizens Community Bancorp Inc (CZWI) has a current Price-to-Book (P/B) ratio of 0.92. Compared to its 3-year average P/B ratio of 0.75 , the current P/B ratio is approximately 22.65% higher. Relative to its 5-year average P/B ratio of 0.80, 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 5.51%. Compared to its 3-year average FCF yield of 12.27%, the current FCF yield is approximately -55.07% lower. Relative to its 5-year average FCF yield of 13.24% , the current FCF yield is about -58.37% lower.
P/B
Median3y
0.75
Median5y
0.80
FCF Yield
Median3y
12.27
Median5y
13.24
Competitors Valuation Multiple
AI Analysis for CZWI
The average P/S ratio for CZWI competitors is 1.77, providing a benchmark for relative valuation. Citizens Community Bancorp Inc Corp (CZWI.O) exhibits a P/S ratio of 2.50, which is 41.68% above the industry average. Given its robust revenue growth of 16.18%, this premium appears unsustainable.
Performance Decomposition
AI Analysis for CZWI
1Y
3Y
5Y
Market capitalization of CZWI increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of CZWI in the past 1 year is driven by Unknown.
People Also Watch
Frequently Asked Questions
Is CZWI currently overvalued or undervalued?
Citizens Community Bancorp Inc (CZWI) is now in the Fair zone, suggesting that its current forward PE ratio of 10.47 is considered Fairly compared with the five-year average of 10.04. The fair price of Citizens Community Bancorp Inc (CZWI) is between 15.22 to 19.20 according to relative valuation methord.
What is Citizens Community Bancorp Inc (CZWI) fair value?
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. The fair price of Citizens Community Bancorp Inc (CZWI) is between 15.22 to 19.20 according to relative valuation methord.
How does CZWI's valuation metrics compare to the industry average?
The average P/S ratio for CZWI's competitors is 1.77, providing a benchmark for relative valuation. Citizens Community Bancorp Inc Corp (CZWI) exhibits a P/S ratio of 2.50, which is 41.68% above the industry average. Given its robust revenue growth of 16.18%, this premium appears unsustainable.
What is the current P/B ratio for Citizens Community Bancorp Inc (CZWI) as of Jan 10 2026?
As of Jan 10 2026, Citizens Community Bancorp Inc (CZWI) has a P/B ratio of 0.92. This indicates that the market values CZWI at 0.92 times its book value.
What is the current FCF Yield for Citizens Community Bancorp Inc (CZWI) as of Jan 10 2026?
As of Jan 10 2026, Citizens Community Bancorp Inc (CZWI) has a FCF Yield of 5.51%. This means that for every dollar of Citizens Community Bancorp Inc’s market capitalization, the company generates 5.51 cents in free cash flow.
What is the current Forward P/E ratio for Citizens Community Bancorp Inc (CZWI) as of Jan 10 2026?
As of Jan 10 2026, Citizens Community Bancorp Inc (CZWI) has a Forward P/E ratio of 10.47. This means the market is willing to pay $10.47 for every dollar of Citizens Community Bancorp Inc’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for Citizens Community Bancorp Inc (CZWI) as of Jan 10 2026?
As of Jan 10 2026, Citizens Community Bancorp Inc (CZWI) has a Forward P/S ratio of 2.50. This means the market is valuing CZWI at $2.50 for every dollar of expected revenue over the next 12 months.