Citizens Community Bancorp Valuation
Is CZWI undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
0/6Valuation Score 0/6
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.
Key Valuation Metric
Which metric is best to use when looking at relative valuation for CZWI?
Key metric:
| What is CZWI's PE Ratio? | |
|---|---|
| PE Ratio | 10.9x |
| Earnings | US$14.74m |
| Market Cap | US$161.45m |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | n/a |
| Enterprise Value/EBITDA | n/a |
| PEG Ratio | -6x |
Price to Earnings Ratio vs Peers
How does CZWI's PE Ratio compare to its peers?
| Company | Forward PE | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 29.3x | ||
MYFW First Western Financial | 69.8x | 66.3% | US$176.7m |
CBNA Chain Bridge Bancorp | 7.9x | -4.2% | US$162.5m |
NKSH National Bankshares | 21.7x | 36.9% | US$192.3m |
ATLO Ames National | 17.8x | n/a | US$159.1m |
CZWI Citizens Community Bancorp | 10.9x | -1.8% | US$161.4m |
Price to Earnings Ratio vs Industry
How does CZWI's PE Ratio compare vs other companies in the US Banks Industry?
| 4 Companies | Price / Earnings | Estimated Growth | Market Cap |
|---|---|---|---|
FRCB First Republic Bank | 0.02x | n/a | US$27.98m |
BKGM BankGuam Holding | 1x | n/a | US$18.48m |
SBNY Signature Bank | 0.002x | n/a | US$2.18m |
BCBH.F Caribbean Investment Holdings | 0.00001x | n/a | US$132.00 |
| 4 Companies | Estimated Growth | Market Cap |
|---|
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.
| Fair Ratio | |
|---|---|
| Current PE Ratio | 10.9x |
| Fair PE Ratio | 9.8x |
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/01/22 23:41 |
| End of Day Share Price | 2025/01/22 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Citizens Community Bancorp, Inc. is covered by 5 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Brian Martin | FIG Partners |
| Erik Zwick | Hovde Group, LLC |
| Brendan Nosal | Hovde Group, LLC |