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CZWI

Citizens Community Bancorp, Inc.

Financial Services · $206M market cap

Verdict

Share price

$21.30

close of Oct 3, 2026

Fair value

$29.74

Sticker Price

Payback Price

$11.90

buy price

Undervalued

CZWI is Undervalued: at $21.30 it trades 28% below its fair value of $29.74. Its buy price (Payback Price) is $11.90, 44% below today's price. Business quality is limited: only 1 of 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

1 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth20.7% a year✓
Equity per share growth3.6% a year✗
Sales growth8.3% a year✗
Free cash flow growth7.9% a year✗
Return on invested capital3.7%✗

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Insider activity

Since Aug 10, 2026: 2 open-market purchases worth $31K. Why purchases matter

Purchases

Bianchi Stephen M

CEO and President · 2026-08-10

Bought

$21K

FELBER FRANCIS E

director · 2026-08-10

Bought

$10K

About Citizens Community Bancorp, Inc.

Citizens Community Bancorp, Inc. functions as the parent entity for Citizens Community Federal N.A., offering a comprehensive array of conventional banking solutions to businesses, agricultural enterprises, and individual customers. The company facilitates client deposits through diverse products, including checking accounts, savings and money market accounts, and certificates of deposit (CDs). Its lending portfolio…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works