US · CZWI
Citizens Community Bancorp, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Eau Claire, WI 54701
- Website
- ccf.us
Price · as of 2025-12-31
$20.85
Market cap 168.18M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $177.23 | +750.02% |
| Intrinsic Value(DCF) | $29.04 | +39.28% |
| Graham-Dodd Method(GD) | $23.54 | +12.92% |
| Graham Formula(GF) | — | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $10.52 | $0.00 | |||
| 2012 | $10.93 | $0.00 | |||
| 2013 | $11.05 | $0.86 | |||
| 2014 | $12.39 | $2.65 | |||
| 2015 | $13.25 | $3.35 | |||
| 2016 | $11.94 | $7.65 | |||
| 2017 | $11.83 | $8.95 | |||
| 2018 | |||||
| 2019 | $9.69 | $6,083.50 | $12.00 | $110.03 | |
| 2020 | $11.04 | $28.45 | $713.90 | $14.08 | $23.23 |
| 2021 | $14.13 | $20.96 | $216.29 | $19.41 | $10.06 |
| 2022 | $11.03 | $18.75 | $13.87 | $17.45 | $14.07 |
| 2023 | $11.88 | $57.37 | $14.73 | $15.43 | $31.38 |
| 2024 | $14.75 | $42.10 | $16.20 | $16.29 | $17.67 |
| 2025 | $17.80 | $177.23 | $28.50 | $23.54 | $0.00 |
AI valuation
Our deep-learning model estimates Citizens Community Bancorp, Inc.'s (CZWI) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $177.23
- Current price
- $20.85
- AI upside
- +750.02%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$29.04
+39.28% upside
Graham-Dodd
$23.54
+12.92% upside
Graham Formula
—
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| CZWI | Citizens Community Bancor… | $20.85 | 168.18M | +750% | +39% | +13% | — | 11.98 | 0.92 | 1.92 | -3.19 | 133.80 | 1.11 | 54.68% | 7.01% | 16.01% | 7.86% | 9.54% | 0.82% | 0.28 | 0.16 | — | — | -7.54 | 896.00% | -941.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 48.32% | -4.49 | — | -0.31 | 1.26 |
| BVFL | BV Financial, Inc. | $18.68 | 166.33M | +118% | -5% | +20% | -26% | 13.76 | 0.82 | 3.28 | 5.94 | — | 0.89 | 77.05% | 33.35% | 23.83% | 5.94% | 8.83% | 1.30% | 0.26 | 1.43 | 0.17 | 0.17 | -1.18 | -2517.00% | 470.00% | 275.00% | 9.58% | 0.02 | 11.64% | 0.00% | 0.00% | 10.98% | 6.30 | 6.69 | 2.10 | -0.29 |
| CFBK | CF Bankshares Inc. | $30.22 | 194.73M | +563% | -20% | +42% | -2% | 10.88 | 1.03 | 1.52 | 2.77 | 35.57 | 1.03 | 41.85% | 17.10% | 13.50% | 9.94% | 38.34% | 0.84% | 0.69 | 0.33 | 0.91 | 0.91 | -6.10 | 3058.00% | 306.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 5.11% | 2.77 | — | 0.47 | 0.14 |
| FNWD | Finward Bancorp | $37.36 | 161.66M | +151% | +41% | -1% | +77% | 9.75 | 0.78 | 1.06 | -8.71 | 21.72 | 0.93 | 64.03% | 12.03% | 10.85% | 8.12% | -7.15% | 0.58% | 0.69 | 0.33 | 0.23 | 0.23 | 1.70 | 4490.00% | 1585.00% | -7081.00% | 5.69% | 0.01 | -3.96% | 1.75% | 17.10% | 1.82% | -13.43 | -26.85 | -1.62 | -0.60 |
| HNVR | Hanover Bancorp, Inc. | $20.68 | 148.74M | +575% | -11% | +41% | -76% | 21.03 | 0.79 | 1.10 | 30.55 | — | 0.87 | 43.91% | 6.95% | 5.22% | 3.77% | 3.06% | 0.32% | 0.73 | 0.14 | 0.14 | 0.00 | 14.73 | -3976.00% | -340.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 30.55 | — | 2.12 | -0.51 |
| INBK | First Internet Bancorp | $20.28 | 176.56M | +222% | -22% | +1% | — | -5.07 | 0.50 | 0.55 | 4.95 | — | 0.50 | 13.68% | -15.76% | -10.89% | -9.46% | 42.47% | -0.62% | 0.99 | -0.25 | 0.32 | 0.32 | -6.86 | -23993.00% | -317.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 4.95 | — | -0.78 | -0.28 |
| LARK | Landmark Bancorp, Inc. | $27.74 | 168.5M | +17% | -17% | -38% | +74% | 9.50 | 0.91 | 1.39 | 9.19 | 143.87 | 1.26 | 65.62% | 15.89% | 14.67% | 9.88% | -27.73% | 0.83% | 0.65 | 0.50 | 0.04 | 0.04 | 3.87 | 660.00% | 1377.00% | 264.00% | 9.65% | 0.01 | -25.41% | 3.73% | 35.50% | 6.34% | 10.82 | 12.79 | 1.72 | -0.79 |
| MRBK | Meridian Corporation | $19.44 | 229.9M | +108% | -28% | -22% | +85% | 9.57 | 0.91 | 0.79 | 9.34 | 38.27 | 0.93 | 51.14% | 11.04% | 8.28% | 9.92% | 8.45% | 0.71% | 1.02 | 0.26 | 0.09 | 0.09 | 6.09 | 2500.00% | 1709.00% | -4698.00% | 5.77% | 0.00 | 4.66% | 3.58% | 34.30% | 3.58% | 10.32 | 24.91 | 1.14 | -0.76 |
| OVBC | Ohio Valley Banc Corp. | $42.63 | 200.83M | +550% | +1% | +20% | +8% | 12.99 | 1.19 | 2.15 | 13.24 | 30.88 | 1.24 | 67.58% | 20.65% | 16.56% | 9.73% | 21.81% | 1.01% | 0.32 | 0.71 | 56092.09 | 297.10 | 2.84 | 4206.00% | 593.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 13.24 | — | 2.73 | 0.34 |
| PEBK | Peoples Bancorp of North … | $38.21 | 202.86M | -20% | +639% | -33% | +74% | 8.41 | 1.05 | 1.41 | -5.70 | 110.97 | 1.05 | 73.04% | 21.40% | 16.72% | 13.00% | -8.40% | 0.99% | 0.15 | 0.79 | 0.20 | 0.20 | -1.67 | 758.00% | 1401.00% | -413.00% | 14.52% | 0.01 | -10.26% | 3.67% | 30.90% | 51.86% | -6.49 | -6.80 | -1.39 | -0.61 |
| UBFO | United Security Bancshare… | $10.39 | 182.63M | +217% | +156% | -58% | -39% | 10.18 | 1.15 | 2.30 | -2.16 | — | 1.20 | 74.24% | 31.04% | 22.58% | 11.69% | -31.67% | 1.22% | 0.11 | 1.46 | 0.21 | 0.21 | -1.85 | -2586.00% | -73.00% | -968.00% | 12.36% | 0.02 | -39.84% | 5.52% | 56.20% | 55.60% | -2.38 | -2.60 | -0.74 | -0.54 |
About Citizens Community Bancorp, Inc.
Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal N.A. that provides various traditional community banking services to businesses, agricultural operators, and consumers. The company accepts various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit. It also offers various loan products comprising commercial real estate, commercial and industrial, agricultural real estate, agricultural operating, and consumer loans; and one-to-four family residential mortgages and home equity lines-of-credit. In addition, the company provides a portfolio of investments, such as mortgage-backed, corporate asset-backed, U.S. Government sponsored agency, corporate debt, and trust preferred securities. It operates through a network of 25 full-service branch in Wisconsin and Minnesota. Citizens Community Bancorp, Inc. was founded in 1938 and is based in Eau Claire, Wisconsin.
- CEO
- Stephen Bianchi
- Employees
- 207
- Beta
- 0.67
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($29.04 ÷ $20.85) − 1 = +39.28% (DCF, example).