Citizens Community Bancorp, Inc. (CZWI) is a Banks - Regional company in the Financial Services sector, currently trading at $20.63. It has a SharesGrow Score of 70/100, indicating a above average investment profile with 4 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of CZWI = $44.96 (+117.9% from the current price, the stock appears undervalued).
Valuation: CZWI trades at a trailing Price-to-Earnings (P/E) of 14 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 0.67.
Financials: revenue is $90M, +4.5%/yr average growth. Net income is $14M, growing at -5.4%/yr. Net profit margin is 16% (healthy). Gross margin is 54.7% (-27.2 pp trend).
Balance sheet: total debt is $52M against $188M equity (Debt-to-Equity (D/E) ratio 0.28, conservative). Current ratio is 3015.31 (strong liquidity). Debt-to-assets is 2.9%. Total assets: $1.8B.
Analyst outlook: 2 / 2 analysts rate CZWI as buy (100%) — strong consensus.
SharesGrow 7-Criteria breakdown: Value 87/100 (Pass), Growth 30/100 (Fail), Past 100/100 (Pass), Health 67/100 (Partial), Moat 35/100 (Fail), Future 100/100 (Pass), Income 70/100 (Pass).
