Citizens Community Bancorp Inc. (CZWI)
Savings Institution, Federally Chartered · Financial Services · $204M
Intrinsic Value (Consensus)
$19.82
Current Price
$21.17
Margin of Safety
-6.4%
6.4% Above Intrinsic Value
Value: $20
Price: $21
Valuation Model Estimates
Current Price: $21.17
DCF (Discounted Cash Flow)
$22.62
Graham Number
$25.32
Earnings Power Value
$14.17
Relative Value (P/E)
$29.20
Dividend Discount Model
$7.81
Consensus Value
$19.82
Model Assumptions
Discount Rate
10.3%
Growth Rate
9.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
58
Profitability
15/25
Strength
24/25
Valuation
12/25
Growth
7/25
Financial Health Signals
Low debt — conservative balance sheet
Key Financials
- EPS (TTM)
- $1.46
- EPS (Forward)
- $1.59
- Book Value
- $19.52
- P/E Ratio
- 20.0
- Forward P/E
- 18.4
- PEG Ratio
- —
- ROE
- 7.7%
- Debt/Equity
- 28%
- Revenue Growth
- N/A
- Earnings Growth
- 9.0%
- Dividend Yield
- 0.4%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance