CZWI Stock Analysis: Buy, Sell, or Hold?
CZWI - Citizens Community Bancorp, Inc.
$20.58
-0.35 (-1.67%)
▼
5d:
-3.83%
30d:
+1.18%
90d:
+8.98%
BUY
HIGH Confidence
Analysis Updated: May 15, 2026 12:00 AM ET
Earnings: Jul 27, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: CZWI shows strong fundamentals and good volume confirmation. Solid entry point despite slightly low pricing.
✅ BUY SIGNAL: CZWI shows strong fundamentals and good volume confirmation. Solid entry point despite slightly low pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$37.81
Based on 12.9% avg growth
INTRINSIC VALUE TODAY
$23.48
12.4% 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 9.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CZWI is currently trading at $20.58, which is considered slightly low relative to its 30-day fair value range of $20.52 to $21.04. The stock's valuation (Forward PE: 9.3) is in line with its historical norms (9.4). Remarkably, the market is currently pricing in an annual earnings decline of 0.5% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, CZWI is in a strong uptrend. The price is currently testing key support at $20.35. A bounce from this level would confirm strength, while a break below could signal further downside.
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 $24.00 (+16.6%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, CZWI is in a strong uptrend. The price is currently testing key support at $20.35. A bounce from this level would confirm strength, while a break below could signal further downside.
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 $24.00 (+16.6%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$20.52 -
$21.04
Company Quality Score
57/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
77.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($24.00)
Trading Range Analysis
30-Day Trading Range
$20.52 -
$21.04
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$20.35
Resistance Level
$21.56
Current Trend
Strong Uptrend
Technical data as of
May 15, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.29
Wall Street Target
$24.00
(+16.6%)
Revenue Growth (YoY)
25.1%
Earnings Growth (YoY)
-60.9%
Profit Margin
24.4%
Valuation Discount vs History
-0.5% cheaper
PE vs Historical
9.3 vs 9.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.5%
(market-implied from PE analysis)
1-Year Target
$20.48
(-1%)
2-Year Target
$20.37
(-1%)
3-Year Target
$20.27
(-2%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
$20.51
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.1, Growth: 21.7%)
$88.12
(+328%)
Base:
(SPY PE: 9.3, Growth: 21.7%)
$37.10
(+80%)
Bear:
(PE: 7.9, Growth: 21.7%)
$31.53
(+53%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (14x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 13.68 | Current EPS (TTM): $1.53
Bull Case
$33.33
(+62%)
Analyst growth 44.8%, PE expands to 15.1
Base Case
$30.30
(+47%)
Market implied 44.8%, PE stable at 13.7
Bear Case
$14.23
(-31%)
Severe decline -20.0%, PE contracts to 11.6
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 9.3 to 9.4
Stabilization Target:
$20.82
(+1.2%)
PE Expansion Potential:
+1.2%
Share & Embed Analysis
Last updated: May 16, 2026 3:38 AM ET
Data refreshes hourly during market hours. Next update: 4:38 AM
Data refreshes hourly during market hours. Next update: 4:38 AM
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Technical Signals Check
Is CZWI showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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