CZWI
NEUTRALAt a glance
Key valuation, profitability, growth, and risk metrics.
AI Analysis
AI-powered fundamental assessment
Key Strengths
Key Risks
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Rule-based valuation (P/E + Graham).
- Trades at attractive 13.7x trailing earnings.
- Trades below Graham Number.
- Price trades at a 96.4% premium to fair value estimate ($10.43), limiting near-term upside from a valuation perspective.
Rule-based growth outlook.
- Revenue growth running at 25.1%.
Historical performance + price trend: Shares moved +70.0% over 5Y and +55.1% over 1Y.
- Healthy profit margin of 23.9%.
Balance sheet & liquidity (Z-Score: N/A).
- Insufficient data for clear positives.
Dividend policy fallback.
- Yield: 2.3%.
- Weak dividend profile (Score: 35/100).
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for CZWI and closest competitors.
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
CZWI
Citizens Community Bancorp, Inc.
Primary
|
+70.0% | +105.0% | +55.1% | +29.3% | +14.6% | +3.4% |
|
BKN
BlackRock Investment Quality Municipal Trust Inc.
Peer
|
-13.6% | +6.0% | +5.5% | +10.1% | +2.0% | -1.6% |
|
CMTV
Community Bancorp
Peer
|
+130.5% | +116.2% | +119.1% | +63.4% | +15.3% | +16.1% |
|
CNCK
Coincheck Group N.V.
Peer
|
-85.6% | -86.2% | -69.6% | -72.8% | -41.7% | -5.4% |
|
ATLO
Ames National Corporation
Peer
|
+26.8% | +16.5% | +43.4% | +34.4% | +5.2% | +3.1% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Valuation Metrics
Key valuation ratios and pricing indicators
Profitability
Profit margins and return metrics
Growth
Revenue and earnings growth rates
Financial Health
Balance sheet strength and liquidity metrics
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Quarterly Earnings History
EPS performance vs analyst estimates
Financial Services Sector Comparison
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
CZWI
Citizens Community Bancorp, Inc.
|
NEUTRAL | $197.19M | 13.74 | 7.9% | 23.9% | $20.48 | |
|
BKN
BlackRock Investment...
|
BEARISH | $192.88M | - | -6.2% | -81.7% | $11.21 | Compare |
|
CMTV
Community Bancorp
|
BULLISH | $202.27M | 11.99 | 16.0% | 35.8% | $36.09 | Compare |
|
CNCK
Coincheck Group N.V.
|
NEUTRAL | $190.3M | 140.0 | 0.2% | 0.0% | $1.4 | Compare |
|
ATLO
Ames National Corporation
|
NEUTRAL | $215.81M | 13.56 | 8.3% | 26.5% | $24.27 | Compare |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-01-23 | JOHNSON REBECCA M | Officer | Option Exercise | 2,000 | $19,240 |
| 2026-01-22 | BIANCHI STEPHEN M | Chief Executive Officer | Stock Award | 3,325 | $61,579 |
| 2026-01-22 | BROUCEK JAMES S | Chief Financial Officer | Stock Award | 1,733 | $32,095 |
Past News Coverage
Recent headlines mentioning CZWI from our newsroom.