CZWI Stock Analysis: Buy, Sell, or Hold?
CZWI - Citizens Community Bancorp, Inc.
$23.67
-0.28 (-1.17%)
▼
5d:
+3.72%
30d:
+10.74%
90d:
+17.41%
BUY
MODERATE Confidence
Analysis Updated: Jul 2, 2026 12:00 AM ET
Earnings: Jul 27, 2026
22d
Get Alerted When CZWI Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
💡 BUY OPPORTUNITY: CZWI shows positive signals but monitor for confirmation. Market pricing in 4.2% growth. Moderate conviction.
💡 BUY OPPORTUNITY: CZWI shows positive signals but monitor for confirmation. Market pricing in 4.2% growth. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$38.22
Based on 12.9% avg growth
INTRINSIC VALUE TODAY
$23.73
0.3% 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 9.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CZWI is currently trading at $23.67, which is considered extended relative to its 30-day fair value range of $20.34 to $22.75. From a valuation perspective, the stock is trading at a premium (Forward PE: 10.7) compared to its historical average (9.5). At these levels, the market is pricing in 4.2% annual earnings growth.
Technical Outlook: Technically, CZWI is in a strong uptrend. The price is approaching resistance at $22.18. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: CZWI has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. 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 approaching resistance at $22.18. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: CZWI has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$20.34 -
$22.75
Company Quality Score
64/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
60.5%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($24.00)
- BULLISH: Expecting earnings turnaround to 4.2% growth with 25.1% revenue growth
Trading Range Analysis
30-Day Trading Range
$20.34 -
$22.75
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$19.87
Resistance Level
$22.18
Current Trend
Strong Uptrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.69
Wall Street Target
$24.00
(+1.4%)
Revenue Growth (YoY)
25.1%
Earnings Growth (YoY)
-60.9%
Profit Margin
24.4%
Valuation Premium vs History
+4.2% premium
PE vs Historical
10.7 vs 9.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+4.2%
(market-implied from PE analysis)
1-Year Target
$24.66
(+4%)
2-Year Target
$25.70
(+9%)
3-Year Target
$26.78
(+13%)
3-Yr Target (if PE normalizes)
(PE: 11→10)
PE COMPRESSION
$23.81
(+1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 21.7%)
$86.96
(+267%)
Base:
(SPY PE: 10.7, Growth: 21.7%)
$42.67
(+80%)
Bear:
(PE: 9.1, Growth: 21.7%)
$36.27
(+53%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (15x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 15.39 | Current EPS (TTM): $1.53
Bull Case
$37.49
(+58%)
Analyst growth 44.8%, PE expands to 16.9
Base Case
$34.08
(+44%)
Market implied 44.8%, PE stable at 15.4
Bear Case
$16.01
(-32%)
Severe decline -20.0%, PE contracts to 13.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 04, 2026 12:49 AM ET
Data refreshes hourly during market hours. Next update: 1:49 AM
Data refreshes hourly during market hours. Next update: 1:49 AM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is CZWI showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
HBAN
Huntington Bancshares In… |
STRONG BUY
21 analysts |
$20 | 69 BUY |
|
CFG
Citizens Financial Group… |
STRONG BUY
17 analysts |
$74 | 65 BUY |
|
PNC
PNC Financial Services G… |
BUY
23 analysts |
$256 | 62 BUY |
|
NU
Nu Holdings Ltd |
BUY
20 analysts |
$18 | 66 BUY |
|
WAL
Western Alliance Bancorp… |
STRONG BUY
15 analysts |
$89 | 67 BUY |
