SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Citizens Community Bancorp, Inc. (CZWI) trades at a trailing P/E of 14.0, forward P/E of 11.8. Trailing earnings yield is 7.17%, forward earnings yield 8.48%. PEG 1.55. Graham Number is $25.44.
Criteria proven by this page:
- VALUE (87/100, Pass) — P/E is below market average (14.0); earnings yield beats bond yields (7.17%).
- Forward P/E 11.8 (down from trailing 14.0) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 1.55 — between 1.0–2.0 indicates moderate valuation relative to growth.
- Trailing Earnings Yield 7.17% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 8.48% as earnings recover.
Overall SharesGrow Score: 70/100 with 4/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
87/100
Price-to-Earnings & upside
Proven by this page
~
HEALTH
67/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — CZWI
Valuation Multiples
P/E (TTM)14.0
Forward P/E11.8
PEG Ratio1.55
Forward PEG0.59
P/B Ratio1.07
P/S Ratio2.22
EV/EBITDA14.9
Per Share Data
EPS (TTM)$1.49
Forward EPS (Est.)$1.75
Book Value / Share$19.36
Revenue / Share$9.28
FCF / Share$1.15
Yields & Fair Value
Earnings Yield7.17%
Forward Earnings Yield8.48%
Dividend Yield0.51%
Graham Number$25.44
SharesGrow IV$44.96 (+117.9%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
22.8 |
1.27 |
0.92 |
2.02 |
1.07% |
| 2017 |
29.7 |
-1.46 |
1.01 |
2.30 |
1.14% |
| 2018 |
23.6 |
-1.39 |
0.86 |
43.61 |
0.99% |
| 2019 |
14.4 |
0.12 |
0.90 |
1.85 |
1.62% |
| 2020 |
9.6 |
0.28 |
0.76 |
1.47 |
1.95% |
| 2021 |
6.9 |
0.09 |
0.86 |
1.84 |
1.70% |
| 2022 |
7.1 |
-0.49 |
0.76 |
1.58 |
2.17% |
| 2023 |
9.4 |
-0.36 |
0.71 |
1.30 |
2.48% |
| 2024 |
12.1 |
1.68 |
0.93 |
1.67 |
2.01% |
| 2025 |
12.0 |
1.34 |
0.92 |
1.92 |
2.08% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$0.59 |
$29M |
$2.57M |
8.9% |
| 2017 |
$0.46 |
$32.31M |
$2.5M |
7.7% |
| 2018 |
$0.38 |
$2.74M |
$4.28M |
156.6% |
| 2019 |
$0.85 |
$73.23M |
$9.46M |
12.9% |
| 2020 |
$1.14 |
$82.67M |
$12.73M |
15.4% |
| 2021 |
$1.98 |
$80.06M |
$21.27M |
26.6% |
| 2022 |
$1.69 |
$80.22M |
$17.76M |
22.1% |
| 2023 |
$1.25 |
$94.44M |
$13.06M |
13.8% |
| 2024 |
$1.34 |
$99.43M |
$13.75M |
13.8% |
| 2025 |
$1.46 |
$90.07M |
$14.42M |
16% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$1.75 |
$1.75 – $1.75 |
$66.9M |
$66.9M – $66.9M |
1 |
| 2027 |
$2.12 |
$2.12 – $2.12 |
$73.2M |
$73.2M – $73.2M |
1 |
