CZWI Stock Analysis: Buy, Sell, or Hold?
CZWI - Citizens Community Bancorp, Inc.
$18.14
0.14 (0.75%)
▲
BUY
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Apr 27, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: CZWI shows positive signals but monitor for confirmation. Market pricing in 5.2% decline. Moderate conviction.
💡 BUY OPPORTUNITY: CZWI shows positive signals but monitor for confirmation. Market pricing in 5.2% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$38.30
Based on 12.9% avg growth
INTRINSIC VALUE TODAY
$23.78
23.7% 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 9.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CZWI is currently trading at $18.14, which is considered fair relative to its 30-day fair value range of $17.74 to $18.31. From a valuation perspective, the stock is trading at a discount (Forward PE: 8.4) compared to its historical average (9.9). Remarkably, the market is currently pricing in an annual earnings decline of 5.2% over the next few years. This pessimistic expectation contrasts with the company's recent 64.2% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, CZWI is in a strong uptrend. Immediate support is located at $17.50, while resistance sits at $18.99.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $20.00 (+11.1%). 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 $17.50, while resistance sits at $18.99.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $20.00 (+11.1%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$17.74 -
$18.31
Company Quality Score
55/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
70.0%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($20.00)
Fair Price Analysis
30-Day Fair Range
$17.74 -
$18.31
Current vs Fair Value
FAIR
Support & Resistance Levels
Support Level
$17.50
Resistance Level
$18.99
Current Trend
Strong Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
8.45
Wall Street Target
$20.00
(+11.1%)
Revenue Growth (YoY)
9.8%
Earnings Growth (YoY)
64.2%
Profit Margin
23.9%
Valuation Discount vs History
-5.2% cheaper
PE vs Historical
8.5 vs 9.9
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-5.2%
(market-implied from PE analysis)
1-Year Target
$17.07
(-5%)
2-Year Target
$16.18
(-10%)
3-Year Target
$15.34
(-15%)
3-Yr Target (if PE normalizes)
(PE: 8→10)
$17.97
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 21.7%)
$85.65
(+376%)
Base:
(SPY PE: 8.5, Growth: 21.7%)
$32.47
(+80%)
Bear:
(PE: 7.2, Growth: 21.7%)
$27.60
(+53%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (8x PE) as earnings recover.
Trailing PE: 12.15 | Current EPS (TTM): $1.46
Bull Case
$28.47
(+57%)
Analyst growth 45.9%, PE expands to 13.4
Base Case
$25.88
(+43%)
Market implied 45.9%, PE stable at 12.2
Bear Case
$12.06
(-34%)
Severe decline -20.0%, PE contracts to 10.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 8.5 to 9.9
Stabilization Target:
$21.09
(+17.1%)
PE Expansion Potential:
+17.1%
Last updated: January 31, 2026 3:46 AM ET
Data refreshes hourly during market hours. Next update: 4:46 AM
Data refreshes hourly during market hours. Next update: 4:46 AM
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Technical Signals Check
Is CZWI showing a specific setup today?
Insider Activity (6 Months)
1
Buys
0
Sells
+
Net
INSIDERS BUYING
Recent Transactions
Michael R Conner
BUY
1600 shares
2025-08-06
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Professional options setups generated by AI based on today's CZWI price and gamma walls.
