CZWI Stock Analysis: Buy, Sell, or Hold?
CZWI - Citizens Community Bancorp, Inc.
$22.13
0.13 (0.59%)
▲
5d:
+3.41%
30d:
-6.51%
90d:
+6.14%
BUY
HIGH Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Jul 27, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: CZWI shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
✅ BUY SIGNAL: CZWI shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
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
13.1% 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 $22.13, which is considered oversold relative to its 30-day fair value range of $22.25 to $23.61. 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. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
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. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$22.25 -
$23.61
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
Trading Range Analysis
30-Day Trading Range
$22.25 -
$23.61
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 12:56 PM ET
Data refreshes hourly during market hours. Next update: 1:56 PM
Data refreshes hourly during market hours. Next update: 1:56 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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