CZWI PE Ratio & Valuation,Is CZWI Overvalued

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 11.02 is considered Fairly compared with the five-year average of 9.99. The fair price of Citizens Community Bancorp Inc (CZWI) is between 14.51 to 18.40 according to relative valuation methord.

Relative Value

Fair Zone

14.51-18.40

Current Price：18.39

Fair

11.02

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.

2.63

Citizens Community Bancorp Inc. (CZWI) has a current PS of 2.63. The 5-year average PS is 2.21. The thresholds are as follows: Strongly Undervalued below 1.67, Undervalued between 1.67 and 1.94, Fairly Valued between 2.48 and 1.94, Overvalued between 2.48 and 2.76, and Strongly Overvalued above 2.76. The current Forward PS of 2.63 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 0.97. Compared to its 3-year average P/B ratio of 0.75 , the current P/B ratio is approximately 29.76% higher. Relative to its 5-year average P/B ratio of 0.79, the current P/B ratio is about 22.06% higher. Citizens Community Bancorp Inc (CZWI) has a Forward Free Cash Flow (FCF) yield of approximately 5.24%. Compared to its 3-year average FCF yield of 12.52%, the current FCF yield is approximately -58.16% lower. Relative to its 5-year average FCF yield of 13.37% , the current FCF yield is about -60.83% lower.

0.97

P/B

Median3y

0.75

Median5y

0.79

5.24

FCF Yield

Median3y

12.52

Median5y

13.37

Competitors Valuation Multiple

The average P/S ratio for CZWI's competitors is 1.50, providing a benchmark for relative valuation. Citizens Community Bancorp Inc Corp (CZWI) exhibits a P/S ratio of 2.63, which is 75.53% above the industry average. Given its robust revenue growth of 16.18%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of CZWI increased by 12.58% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 12.19M to 14.17M.

The secondary factor is the P/E Change, contributed -0.04%to the performance.

Overall, the performance of CZWI in the past 1 year is driven by Revenue Growth. Which is more sustainable.

16.18%

12.19M → 14.17M

Revenue Growth

-3.56%

26.95 → 25.99

Margin Expansion

-0.04%

14.26 → 14.25

P/E Change

12.58%

16.29 → 18.34

Mkt Cap Growth

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Frequently Asked Questions

Is Citizens Community Bancorp Inc (CZWI) currently overvalued or undervalued?

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 14.51 to 18.40 according to relative valuation methord.

How does CZWI's valuation metrics compare to the industry average?

What is the current P/B ratio for Citizens Community Bancorp Inc (CZWI) as of Dec 15 2025?

As of Dec 15 2025, Citizens Community Bancorp Inc (CZWI) has a P/B ratio of 0.97. This indicates that the market values CZWI at 0.97 times its book value.

What is the current FCF Yield for Citizens Community Bancorp Inc (CZWI) as of Dec 15 2025?

As of Dec 15 2025, Citizens Community Bancorp Inc (CZWI) has a FCF Yield of 5.24%. This means that for every dollar of Citizens Community Bancorp Inc’s market capitalization, the company generates 5.24 cents in free cash flow.

What is the current Forward P/E ratio for Citizens Community Bancorp Inc (CZWI) as of Dec 15 2025?

As of Dec 15 2025, Citizens Community Bancorp Inc (CZWI) has a Forward P/E ratio of 11.02. This means the market is willing to pay $11.02 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 Dec 15 2025?

As of Dec 15 2025, Citizens Community Bancorp Inc (CZWI) has a Forward P/S ratio of 2.63. This means the market is valuing CZWI at $2.63 for every dollar of expected revenue over the next 12 months.

CZWI Valuation

CZWI Valuation

CZWI Relative Valuation

Historical Valuation

Competitors Valuation Multiple

Performance Decomposition

People Also Watch

Frequently Asked Questions

Is Citizens Community Bancorp Inc (CZWI) currently overvalued or undervalued?

What is Citizens Community Bancorp Inc (CZWI) fair value?

How does CZWI's valuation metrics compare to the industry average?

What is the current P/B ratio for Citizens Community Bancorp Inc (CZWI) as of Dec 15 2025?

What is the current FCF Yield for Citizens Community Bancorp Inc (CZWI) as of Dec 15 2025?

What is the current Forward P/E ratio for Citizens Community Bancorp Inc (CZWI) as of Dec 15 2025?

What is the current Forward P/S ratio for Citizens Community Bancorp Inc (CZWI) as of Dec 15 2025?