Citizens Community Bancorp (CZWI) Stock: Buy, Sell, or Hold?
CZWI - Citizens Community Bancorp, Inc.
$21.88
-0.17 (-0.77%)
▼
5d:
+0.23%
30d:
+5.7%
90d:
+5.91%
WAIT
LOW Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Oct 26, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: CZWI shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: CZWI shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$40.57
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$25.19
13.1% 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 $21.88, which is considered extended relative to its 30-day fair value range of $20.70 to $21.74. The stock's valuation (Forward PE: 10.1) is in line with its historical norms (9.6). At these levels, the market is pricing in 1.6% annual earnings growth.
Technical Outlook: Technically, CZWI is in a uptrend. Immediate support is located at $20.63, while resistance sits at $24.00.
Market Sentiment: CZWI scores 10/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, CZWI is in a uptrend. Immediate support is located at $20.63, while resistance sits at $24.00.
Market Sentiment: CZWI scores 10/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$20.70 -
$21.74
Company Quality Score
36/100
(SELL)
Volume Confirmation
HIGH
Confidence Score
27.1%
All Signals
- BEARISH: Price extended above range
- BEARISH: Weak technical setup (10/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($22.25)
- BULLISH: Expecting earnings turnaround to 1.6% growth with 25.1% revenue growth
- WARNING: Composite score 36/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$20.70 -
$21.74
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$20.63
Resistance Level
$24.00
Current Trend
Uptrend
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.08
Wall Street Target
$22.25
(+1.7%)
Revenue Growth (YoY)
25.1%
Earnings Growth (YoY)
-60.9%
Profit Margin
22.0%
Valuation Premium vs History
+1.6% premium
PE vs Historical
10.1 vs 9.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.6%
(market-implied from PE analysis)
1-Year Target
$22.23
(+2%)
2-Year Target
$22.59
(+3%)
3-Year Target
$22.95
(+5%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
PE COMPRESSION
$21.85
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 51.7%)
$147.72
(+575%)
Base:
(SPY PE: 10.1, Growth: 51.7%)
$73.84
(+238%)
Bear:
(PE: 8.6, Growth: 51.7%)
$62.77
(+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: 16.96 | Current EPS (TTM): $1.30
Bull Case
$40.49
(+85%)
Analyst growth 66.9%, PE expands to 18.7
Base Case
$36.81
(+68%)
Market implied 66.9%, PE stable at 17.0
Bear Case
$14.99
(-32%)
Severe decline -20.0%, PE contracts to 14.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: September 12, 2026 2:33 PM ET
Data refreshes hourly during market hours. Next update: 3:33 PM
Data refreshes hourly during market hours. Next update: 3:33 PM
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Technical Signals Check
Is CZWI showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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