CZWI | Citizens community bancorp, inc. - Stock Value & PE Ratio Analysis

3

24

15

Average Growth

AI analysis rates CZWI with a medium value score of 3.
It is mainly due to slight revenue growth, but with concerns regarding potential higher debt.
Over the past 3 months, CZWI has maintained an average value rating of 2.2, close to the rating of 2.5 over the past 3 years, indicating stable enterprise value.
Compared to all stocks in the Financials sector, CZWI has a medium value rating.

CZWI Value Reference Factors

The Value score is derived from various data and factor information, integrated through AI algorithms. The following factors are part of the evaluation used by AI value scores.

Update to 2025/05/03 (Weekly Update)

CZWI Financial Forecast

Unit : USD

Update to 2025/5/13 (Quarterly Update)

CZWI Earnings Table

Unit : USD

QTR	Non-GAAP EPS	EPS YoY	EPS Surprise %	Sales	Sales YoY	Sales Surprise %	NPM
Current	0.32	-17.9%	18.5%	23.69M	-8.2%	61.2%	20.1%
2024Q3	0.27	-22.9%	0%	13.47M	-44.7%	17.1%	23.2%
2024Q2	0.32	33.3%	18.5%	14.14M	-3.1%	24%	15.1%
2024Q1	0.35	12.9%	29.6%	24.28M	66.2%	77.2%	15.8%
2023Q4	0.39	11.4%	50%	25.8M	70.6%	121.4%	15.2%

Update to 2025/5/13 (Quarterly Update)

CZWI Historical Value Score

You can use historical scores of 3 or above to observe potential performance and make investment decisions.

CZWI Value Strategy Backtest

The following backtest is based on specified rules since 2007. Price chart shows buy/sell time, cumulative returns, and backtesting statistics.

Entry

Exit

The Backtest Result of CZWI from 2007/01 till Now

16.77%
Cumulative Return: 0.92%
Annual Return: 10.47%
Volatility: 0.09
Sharpe Ratio

Statistics data for entering at or above a Value score of 4 and exiting at or below a Value score of 2 from January, 2007 to May, 2025. (Total Trades: 2)