Citizens Community Bancorp, Inc.

NasdaqGM:CZWI Stock Report

Mkt Cap: US$129.4m

We’ve recently updated our valuation analysis.

Citizens Community Bancorp Valuation

Is CZWI undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • Analyst Forecast

Key Valuation Metric

Which metric is best to use when looking at relative valuation for CZWI?

Other financial metrics that can be useful for relative valuation.

CZWI key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio-0.9x

Price to Earnings Ratio vs Peers

How does CZWI's PE Ratio compare to its peers?

The above table shows the PE ratio for CZWI vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average9.6x
FXLG FS Bancorp
7.8xn/aUS$126.8m
FSFG First Savings Financial Group
8.3x14.9%US$136.5m
FFNW First Financial Northwest
10.3x-14.3%US$136.9m
EBMT Eagle Bancorp Montana
12.1x25.3%US$129.8m
CZWI Citizens Community Bancorp
7.3x-8.0%US$129.4m

Price-To-Earnings vs Peers: CZWI is good value based on its Price-To-Earnings Ratio (7.3x) compared to the peer average (9.6x).


Price to Earnings Ratio vs Industry

How does CZWI's PE Ratio compare vs other companies in the US Banks Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a6.1%
n/an/an/a

Price-To-Earnings vs Industry: CZWI is good value based on its Price-To-Earnings Ratio (7.3x) compared to the US Banks industry average (9.6x)


Price to Earnings Ratio vs Fair Ratio

What is CZWI's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

CZWI PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio7.3x
Fair PE Ratio7.2x

Price-To-Earnings vs Fair Ratio: CZWI is expensive based on its Price-To-Earnings Ratio (7.3x) compared to the estimated Fair Price-To-Earnings Ratio (7.2x).


Share Price vs Fair Value

What is the Fair Price of CZWI when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: CZWI ($12.41) is trading below our estimate of fair value ($21.69)

Significantly Below Fair Value: CZWI is trading below fair value by more than 20%.


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst CZWI forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$12.41
US$14.67
+18.2%
8.5%US$16.00US$13.00n/a3
Jan ’24US$12.03
US$15.33
+27.5%
6.1%US$16.00US$14.00n/a3
Dec ’23US$14.37
US$15.00
+4.4%
9.4%US$16.00US$13.00n/a3
Nov ’23US$13.04
US$15.00
+15.0%
9.4%US$16.00US$13.00n/a3
Oct ’23US$12.17
US$15.00
+23.3%
9.4%US$16.00US$13.00n/a3
Sep ’23US$13.03
US$15.33
+17.7%
6.1%US$16.00US$14.00n/a3
Aug ’23US$13.01
US$15.33
+17.9%
6.1%US$16.00US$14.00n/a3
Jul ’23US$13.66
US$15.50
+13.5%
4.6%US$16.00US$14.50n/a3
Jun ’23US$13.38
US$15.50
+15.8%
4.6%US$16.00US$14.50n/a3
May ’23US$13.11
US$16.17
+23.3%
8.9%US$18.00US$14.50n/a3
Apr ’23US$15.01
US$16.67
+11.0%
6.2%US$18.00US$15.50n/a3
Mar ’23US$15.66
US$16.50
+5.4%
7.4%US$18.00US$15.00n/a3
Feb ’23US$14.91
US$15.83
+6.2%
3.9%US$16.50US$15.00US$12.413
Jan ’23US$13.77
US$15.67
+13.8%
3.0%US$16.00US$15.00US$12.033
Dec ’22US$13.57
US$15.67
+15.5%
3.0%US$16.00US$15.00US$14.373
Nov ’22US$13.74
US$15.67
+14.0%
3.0%US$16.00US$15.00US$13.043
Oct ’22US$13.93
US$15.67
+12.5%
3.0%US$16.00US$15.00US$12.173
Sep ’22US$13.87
US$15.67
+13.0%
3.0%US$16.00US$15.00US$13.033
Aug ’22US$13.85
US$15.33
+10.7%
3.1%US$16.00US$15.00US$13.013
Jul ’22US$13.66
US$14.67
+7.4%
3.2%US$15.00US$14.00US$13.663
Jun ’22US$13.93
US$14.50
+4.1%
4.9%US$15.00US$13.50US$13.383
May ’22US$13.00
US$14.50
+11.5%
4.9%US$15.00US$13.50US$13.113
Apr ’22US$12.50
US$13.00
+4.0%
0%US$13.00US$13.00US$15.013
Mar ’22US$11.54
US$12.67
+9.8%
3.7%US$13.00US$12.00US$15.663
Feb ’22US$11.05
US$12.17
+10.1%
5.1%US$13.00US$11.50US$14.913

Analyst Forecast: Target price is less than 20% higher than the current share price.


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