Citizens Community Bancorp Inc/WI (CZWI)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$22.07+1.10%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · CZWI
Price, fair value, and the multiples that frame it on the same time axis. Scroll over the price chart to zoom.
Daily closes. Earnings/event dots inline.
A consensus fair price across 11 valuation methods, at three horizons. As of 2026-09-04. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $22 CZWI trades at 1.1× p/b, below its 1.2× p/b peer median, but our blended $23 fair value is roughly in line with the price. It's a high-confidence read. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Score 100 = cheapest in the cohort, 0 = richest. Bars are filled left-to-right based on the peer-relative score (or PEG/self-history where shown).
Each method's implied share price per horizon. Provisional rows use a projected (historical-CAGR) growth input rather than analyst or management guidance.
| Method | Horizon | Est. price | Multiple | Per-share input | EPS source | Confidence |
|---|---|---|---|---|---|---|
| dcf fcfe | 12M | $58.49 | — | — | Hist. CAGR | high |
| dcf fcff | 12M | $71.11 | — | — | Hist. CAGR | high |
| ddm gordon | 12M | $12.82 | — | — | TTM | high |
| graham number | 12M | $24.18 | — | — | TTM | high |
| Peer P/B | 12M |
A “consensus-then vs. actual-now” overlay is on the way — what our valuation estimate said on a past date versus where the price actually landed.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A long-thesis check that carries the widest uncertainty of the three horizons.
Top 25% on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Only weak execution quality — not the full expensive x weak x turbulent stack. Regime (Mania) does not concentrate fragility.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Looks more expensive than peers.
Richer than its own typical valuation.
Trailing four: 2025-Q4, 2026-Q1, 2026-Q2, 2026-Q3
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
| $24.60 |
| 1.2 |
| 19.84 |
| TTM |
| high |
| Peer P/FCF | 12M | $24.49 | 11.7 | 2.10 | TTM | high |
| Peer P/E | 12M | $15.65 | 11.9 | 1.31 | TTM | high |
| Peer P/S | 12M | $28.78 | 3.2 | 9.11 | TTM | high |
| residual income | 12M | $18.82 | — | — | TTM | high |
| Own P/E history | 12M | $18.97 | 14.5 | 1.31 | TTM | high |
| triangulated | 12M | $16.45 | 11.9 | 1.38 | Triangulated | high |
| Peer P/B | 3Y | $28.43 | 1.2 | 22.92 | Hist. CAGR(prov.) | medium |
| Peer P/FCF | 3Y | $33.91 | 11.7 | 2.91 | Hist. CAGR(prov.) | medium |
| Peer P/E | 3Y | $28.40 | 11.9 | 2.38 | Hist. CAGR(prov.) | medium |
| Peer P/S | 3Y | $33.65 | 3.2 | 10.65 | Hist. CAGR(prov.) | medium |
| Own P/E history | 3Y | $34.42 | 14.5 | 2.38 | Hist. CAGR(prov.) | medium |
| Peer P/B | 5Y | $31.31 | 1.2 | 25.25 | Hist. CAGR(prov.) | high |
| Peer P/FCF | 5Y | $42.13 | 11.7 | 3.61 | Hist. CAGR(prov.) | high |
| Peer P/E | 5Y | $31.52 | 11.9 | 2.64 | Hist. CAGR(prov.) | high |
| Peer P/S | 5Y | $37.35 | 3.2 | 11.82 | Hist. CAGR(prov.) | high |
| Own P/E history | 5Y | $38.20 | 14.5 | 2.64 | Hist. CAGR(prov.) | high |