CZWI Stock Analysis: Buy, Sell, or Hold?
CZWI - Citizens Community Bancorp, Inc.
$22.00
0.17 (0.78%)
▲
5d:
-6.62%
30d:
-8.14%
90d:
+6.02%
HOLD
LOW Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Jul 27, 2026
0d
Get Alerted When CZWI Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
📊 HOLD: CZWI shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: CZWI shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$41.03
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$25.48
13.7% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CZWI is currently trading at $22.00, which is considered oversold relative to its 30-day fair value range of $22.28 to $23.63. The stock's valuation (Forward PE: 10.0) is in line with its historical norms (9.6). At these levels, the market is pricing in 1.5% annual earnings growth.
Technical Outlook: Technically, CZWI is in a strong uptrend. Immediate support is located at $20.52, while resistance sits at $23.96.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, CZWI is in a strong uptrend. Immediate support is located at $20.52, while resistance sits at $23.96.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$22.28 -
$23.63
Company Quality Score
52/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
78.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($22.75)
- BULLISH: Expecting earnings turnaround to 1.5% growth with 25.1% revenue growth
- CAUTION: Recommendation downgraded due to -6.6% 5-day decline
Trading Range Analysis
30-Day Trading Range
$22.28 -
$23.63
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$20.52
Resistance Level
$23.96
Current Trend
Strong Uptrend
Technical data as of
Jul 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.02
Wall Street Target
$22.75
(+3.4%)
Revenue Growth (YoY)
25.1%
Earnings Growth (YoY)
-60.9%
Profit Margin
22.0%
Valuation Premium vs History
+1.5% premium
PE vs Historical
10.0 vs 9.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.5%
(market-implied from PE analysis)
1-Year Target
$22.33
(+2%)
2-Year Target
$22.66
(+3%)
3-Year Target
$23.00
(+5%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
PE COMPRESSION
$22.03
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 54.6%)
$153.57
(+598%)
Base:
(SPY PE: 10.0, Growth: 54.6%)
$74.25
(+238%)
Bear:
(PE: 8.5, Growth: 54.6%)
$63.11
(+187%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (17x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 16.79 | Current EPS (TTM): $1.30
Bull Case
$40.55
(+84%)
Analyst growth 68.8%, PE expands to 18.5
Base Case
$36.86
(+68%)
Market implied 68.8%, PE stable at 16.8
Bear Case
$14.84
(-33%)
Severe decline -20.0%, PE contracts to 14.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 03, 2026 3:05 AM ET
Data refreshes hourly during market hours. Next update: 4:05 AM
Data refreshes hourly during market hours. Next update: 4:05 AM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is CZWI showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
HBAN
Huntington Bancshares In… |
STRONG BUY
21 analysts |
$20 | 57 HOLD |
|
USB
U.S. Bancorp |
BUY
24 analysts |
$70 | 50 HOLD |
|
WAL
Western Alliance Bancorp… |
STRONG BUY
15 analysts |
$92 | 56 HOLD |
|
WTFC
Wintrust Financial Corpo… |
STRONG BUY
13 analysts |
$180 | 54 HOLD |
|
FHN
First Horizon Corporation |
BUY
16 analysts |
$28 | 59 HOLD |
