Citizens Community Bancorp, Inc. (CZWI) Stock Score, Valuation & Financial Research
Citizens Community Bancorp, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 33/100.
Quick answer for CZWI
Citizens Community Bancorp, Inc. currently has a Wall Street Score of 33/100. The stored market price is $21.48. Its financial score is 49/100. Its valuation score is 22/100. The latest WSS change is +0.1 points. These figures are a research snapshot, not a buy or sell recommendation.
What Citizens Community Bancorp, Inc. does
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 is equally broad, encompassing commercial real estate loans, commercial and industrial financing, agricultural land and operational loans, consumer credit, mortgages for one-to-four family residences, and home equity lines of credit. Furthermore, Citizens Community Bancorp manages an investment portfolio featuring various securities such as mortgage-backed, corporate asset-backed, U.S. government agency-sponsored, corporate debt, and trust preferred instruments. Its operation
CZWI financial snapshot
- Wall Street Score:
- 33/100
- Current price:
- $21.48
- Market capitalization:
- $207.2M
- Revenue:
- $87.5M
- Net income:
- $12.8M
- Free cash flow:
- $10.4M
- Cash:
- $121.8M
- Total debt:
- $51.9M
- EPS:
- 1.31
- P/E ratio:
- 16.4x
- Financial score:
- 49/100
- Valuation score:
- 22/100
- Revenue score:
- 16/100
What stands out
- Reported year-over-year revenue growth is -0.0%.
- Free cash flow is $10.4M, showing positive cash generation.
- The balance sheet shows $121.8M of cash versus $51.9M of total debt, leaving more cash than debt.
- The latest Wall Street Score change is +0.1 points: CZWI increased 0.1 points because overall fundamentals improved.
What the numbers mean
Its current valuation score is 22/100, which Wall Street Score classifies as weak within the model's valuation framework.
The financial score is 49/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-17.
How to research CZWI
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.