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Citizens Community BancorpCZWI +0.09%60 EV-to-OCF is 6.42 as of Sep. 09, 2026, which is 46% below its 10-year median of 11.79. GuruFocus rates CZWI with a GF Score™ of 60/100 and a GF Value™ of $18.30 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,487 Banks companies, Citizens Community Bancorp ranks worse than 58.17% on this metric.
The historical rank and industry rank for Citizens Community Bancorp's EV-to-OCF or its related term are showing as below:
CZWI'
s EV-to-OCF Range Over the Past 10 Years
Min: -146.55 Med: 11.79 Max: 78.36
Current: 6.42
During the past 13 years, the highest EV-to-OCF of Citizens Community Bancorp was 78.36. The lowest was -146.55. And the median was 11.79.
CZWI's EV-to-OCF is ranked worse than 58.17% of 1487
companies
in the Banks industry
Industry Median: 4.06
vs CZWI: 6.42
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Citizens Community Bancorp (NAS:CZWI) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Citizens Community Bancorp's PE Ratio (TTM) for today is calculated as:
Citizens Community Bancorp's share price for today is $22.13.
Citizens Community Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.310.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Citizens Community Bancorp EV-to-OCF Related Terms
Citizens Community Bancorp EV-to-OCF Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Citizens Community Bancorp's EV-to-OCF, along with its competitors' market caps and EV-to-OCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Citizens Community Bancorp EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Community Bancorp's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Citizens Community Bancorp's EV-to-OCF falls into.
Citizens Community Bancorp's current Enterprise Value is $143.68 Mil.
Citizens Community Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $22.38 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Citizens Community Bancorp (CZWI) has a EV-to-OCF of 6.42 as of Sep. 09, 2026. This is 46% below median its historical median of 11.79. According to the industry distribution chart, Citizens Community Bancorp ranks #865 out of 1487 companies in the Banks industry, placing it in the top 58.2%.
Is Citizens Community Bancorp's EV-to-OCF too high?
Citizens Community Bancorp's current EV-to-OCF of 6.42 is 46% below median its 10-year median of 11.79. The Banks industry median EV-to-OCF is 4.06. Citizens Community Bancorp's value of 6.42 is 58.1% above this industry median. Based on the distribution chart, Citizens Community Bancorp ranks #865 out of 1487 companies in the Banks industry, which is below the industry midpoint. Overall, Citizens Community Bancorp has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Community Bancorp's EV-to-OCF compare to OAKC and PSBQ?
According to the Banks industry distribution chart, Citizens Community Bancorp ranks #865 out of 1487 companies for EV-to-OCF. This places Citizens Community Bancorp in the lower half of its industry. The industry median EV-to-OCF is 4.06. Citizens Community Bancorp's value of 6.42 is 58.1% above this benchmark. While the company's 10-year median is 11.79 vs. the industry median of 4.06, Citizens Community Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.06, based on 1,487 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Community Bancorp's current EV-to-OCF of 6.42 is 58.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Community Bancorp's current EV-to-OCF is 6.42, which is 46% below median its own 10-year median of 11.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizens Community Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Citizens Community Bancorp (CZWI) is currently considered Modestly Overvalued. The stock's GF Value™ is $18.30, compared to a current price of $22.13 — trading 20.9% above its estimated fair value. The current EV-to-OCF is 6.42, which is 46% below median its 10-year median of 11.79 and 58.1% above the Banks industry median of 4.06. Citizens Community Bancorp's overall GF Score™ is 60/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Citizens Community Bancorp (CZWI), the current EV-to-OCF is 6.42 as of Sep. 09, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Citizens Community Bancorp (CZWI) Overvalued in 2026?
Based on GuruFocus' analysis, Citizens Community Bancorp stock appears to be overvalued.
The current stock price of $22.13 is trading 20.9% above its estimated GF Value™ of $18.30.
GuruFocus considers Citizens Community Bancorp to be Modestly Overvalued.
Key valuation signals for CZWI:
EV-to-OCF: 6.42 (46% below median its 10-year median of 11.79)
GF Value™: $18.30 vs. price of $22.13 (20.9% above fair value)
Industry Position: 58.1% above the Banks median (#865 of 1487)
No single metric tells the full story. See the CZWI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Citizens Community Bancorp Inc is a bank holding company that offers traditional community banking services to businesses, Agricultural operators, and consumers, including one-to-four-family residential mortgages. it also offers a variety of loan products including commercial real estate loans, commercial and industrial (C&I) loans, agricultural real estate loans, agricultural operating loans, residential mortgages, home equity lines-of-credit, and consumer loans and offers deposit products through its branches, including demand deposits, various savings and money-market accounts and certificates of deposit. The company's sources of funds are deposits; amortization, prepayments, and maturities of outstanding loans; other short - term investments; and funds provided from operations.
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