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 Overvalued zone, suggesting that its current forward PE ratio of 10.72 is considered Overvalued compared with the five-year average of 9.97. The fair price of Citizens Community Bancorp Inc (CZWI) is between 13.75 to 17.67 according to relative valuation methord. Compared to the current price of 17.85 USD , Citizens Community Bancorp Inc is Overvalued By 1.02%.
Relative Value
Fair Zone
13.75-17.67
Current Price：17.85
1.02%
Overvalued
10.72
PE
1Y
3Y
5Y
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.
2.54
PS
Citizens Community Bancorp Inc. (CZWI) has a current PS of 2.54. The 5-year average PS is 2.21. The thresholds are as follows: Strongly Undervalued below 1.66, Undervalued between 1.66 and 1.93, Fairly Valued between 2.48 and 1.93, Overvalued between 2.48 and 2.75, and Strongly Overvalued above 2.75. The current Forward PS of 2.54 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 0.94. Compared to its 3-year average P/B ratio of 0.75 , the current P/B ratio is approximately 26.39% higher. Relative to its 5-year average P/B ratio of 0.79, the current P/B ratio is about 18.91% higher. Citizens Community Bancorp Inc (CZWI) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 12.62%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 13.44% , the current FCF yield is about -100.00% lower.
0.94
P/B
Median3y
0.75
Median5y
0.79
5.44
FCF Yield
Median3y
12.62
Median5y
13.44
Competitors Valuation Multiple
The average P/S ratio for CZWI's competitors is 0.00, providing a benchmark for relative valuation. Citizens Community Bancorp Inc Corp (CZWI) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of 16.18%, this premium appears unsustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap
Performance Decomposition
1Y
3Y
5Y
Market capitalization of CZWI increased by 9.58% 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 -3.04%to the performance.
Overall, the performance of CZWI in the past 1 year is driven by Revenue Growth. Which is more sustainable.
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FAQ
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What is the current P/B ratio for Citizens Community Bancorp Inc (CZWI) as of Dec 05 2025?
What is the current FCF Yield for Citizens Community Bancorp Inc (CZWI) as of Dec 05 2025?
What is the current Forward P/E ratio for Citizens Community Bancorp Inc (CZWI) as of Dec 05 2025?