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 10.15. The fair price of Citizens Community Bancorp Inc (CZWI) is between 15.77 to 19.25 according to relative valuation method.

Relative Value

Fair Zone

15.77-19.25

Current Price：17.80

Fair

P/E

EV/EBITDA

EV/EBIT

P/S

P/OCF

P/FCF

Trailing

Forward

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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 22.93% higher. Relative to its 5-year average P/B ratio of 0.80, the current P/B ratio is about 15.51% 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 11.89%, the current FCF yield is approximately -53.65% lower. Relative to its 5-year average FCF yield of 13.13%, the current FCF yield is about -58.01% lower.

Competitors Valuation Multiple

AI Analysis

The average P/S ratio for CZWI competitors is 2.02, providing a benchmark for relative valuation. Citizens Community Bancorp Inc Corp (CZWI.O) exhibits a P/S ratio of 2.50, which is 23.58% above the industry average. Given its robust revenue growth of 19.70%, this premium appears unsustainable.

P/E

P/S

EV/EBITDA

EV/EBIT

Earnings Growth

Market Cap

Performance Decomposition

AI Analysis

Market capitalization of CZWI increased by 0.00% over the past 1 year(s). 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(s) is driven by Unknown.

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Frequently Asked Questions

Is 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 15.77 to 19.25 according to relative valuation method.

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

The average P/S ratio for CZWI's competitors is 2.02, providing a benchmark for relative valuation. Citizens Community Bancorp Inc Corp (CZWI) exhibits a P/S ratio of 2.50, which is 23.58% above the industry average. Given its robust revenue growth of 19.70%, this premium appears unsustainable.

What is the current P/B ratio for Citizens Community Bancorp Inc (CZWI) as of Mar 03 2026?

As of Mar 03 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 Mar 03 2026?

As of Mar 03 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 Mar 03 2026?

As of Mar 03 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 Mar 03 2026?

As of Mar 03 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.

CZWI Valuation