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During the past 12 months, Citizens Community Bancorp's average EPS without NRIGrowth Rate was 5.80% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was -6.00% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was -0.30% per year.
During the past 10 years, the average EPS without NRIGrowth Rate was 10.50% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the EPS without NRI Growth Rate using EPS without NRI data.
During the past 13 years, Citizens Community Bancorp's highest 3-Year average EPS without NRI Growth Rate was 142.40% per year. The lowest was -50.70% per year. And the median was 7.20% per year.
Citizens Community Bancorp (NAS:CZWI) EPS (Diluted) Explanation
EPS is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Citizens Community Bancorp EPS (Diluted) Related Terms
Citizens Community Bancorp EPS (Diluted) 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.
CZWI vs OAKC, PSBQ, RBKB: EPS (Diluted) Comparison
For the Banks - Regional subindustry, Citizens Community Bancorp's PE Ratio, along with its competitors' market caps and PE Ratio 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 PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Community Bancorp's PE Ratio distribution charts can be found below:
* The bar in red indicates where Citizens Community Bancorp's PE Ratio falls into.
Citizens Community Bancorp EPS (Diluted) Calculation
EPS (Diluted) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Diluted EPS takes into account all of the outstanding dilutive securities that could potentially be exercised (such as stock options and convertible preferred stock) and shows how such an action would impact earnings per share.
EPS (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 $1.31
* 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 EPS (Diluted) of $1.31 as of Jun. 2026. Earnings per share (diluted) equals net income divided by the diluted average shares outstanding. View historical data on Citizens Community Bancorp and its competitors.
Is Citizens Community Bancorp's EPS (Diluted) too high?
Citizens Community Bancorp's current EPS (Diluted) is $1.31. 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 EPS (Diluted) compare to OAKC and PSBQ?
Citizens Community Bancorp's EPS (Diluted) of $1.31 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EPS (Diluted) for a Banks company?
A good EPS (Diluted) depends on the Banks industry context. However, EPS (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EPS (Diluted) mean?
A high EPS (Diluted) can signal that a stock is expensive relative to its fundamentals. Earnings per share (diluted) equals net income divided by the diluted average shares outstanding. View historical data on Citizens Community Bancorp and its competitors. Citizens Community Bancorp's current EPS (Diluted) is $1.31. 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 $22.11 — trading 20.8% above its estimated fair value. The current EPS (Diluted) is $1.31. 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 EPS (Diluted) calculated?
EPS (Diluted) is calculated from a company's financial statements. For Citizens Community Bancorp (CZWI), the current EPS (Diluted) is $1.31 as of Jun. 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 $22.11 is trading 20.8% above its estimated GF Value™ of $18.30.
GuruFocus considers Citizens Community Bancorp to be Modestly Overvalued.
Key valuation signals for CZWI:
EPS (Diluted): $1.31
GF Value™: $18.30 vs. price of $22.11 (20.8% above fair value)
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.
60GF Score
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EPS (Diluted) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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