Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Citizens Community BancorpCZWI +2.52%57 EV-to-FCF is 10.66 as of Jul. 26, 2026, which is 25% below its 10-year median of 14.24. GuruFocus rates CZWI with a GF Score™ of 57/100 and a GF Value™ of $17.22 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,197 Banks companies, Citizens Community Bancorp ranks worse than 62.82% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Citizens Community Bancorp's Enterprise Value is $130.82 Mil.
Citizens Community Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $12.28 Mil. Therefore, Citizens Community Bancorp's EV-to-FCF for today is 10.66.
The historical rank and industry rank for Citizens Community Bancorp's EV-to-FCF or its related term are showing as below:
CZWI'
s EV-to-FCF Range Over the Past 10 Years
Min: -46.42 Med: 14.24 Max: 114.96
Current: 10.66
During the past 13 years, the highest EV-to-FCF of Citizens Community Bancorp was 114.96. The lowest was -46.42. And the median was 14.24.
CZWI's EV-to-FCF is ranked worse than 62.82% of 1197
companies
in the Banks industry
Industry Median: 6.85
vs CZWI: 10.66
EV-to-FCF 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-FCF Explanation
EV-to-FCF 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 $23.66.
Citizens Community Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.530.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Citizens Community Bancorp EV-to-FCF Related Terms
Citizens Community Bancorp EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Community Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Citizens Community Bancorp's EV-to-FCF falls into.
Citizens Community Bancorp's current Enterprise Value is $130.82 Mil.
Citizens Community Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $12.28 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-FCF of 10.66 as of Jul. 26, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Citizens Community Bancorp and its competitors. This is 25% below median its historical median of 14.24. According to the industry distribution chart, Citizens Community Bancorp ranks #752 out of 1197 companies in the Banks industry, placing it in the top 62.8%.
Is Citizens Community Bancorp's EV-to-FCF too high?
Citizens Community Bancorp's current EV-to-FCF of 10.66 is 25% below median its 10-year median of 14.24. The Banks industry median EV-to-FCF is 6.85. Citizens Community Bancorp's value of 10.66 is 55.6% above this industry median. Based on the distribution chart, Citizens Community Bancorp ranks #752 out of 1197 companies in the Banks industry, which is below the industry midpoint. Overall, Citizens Community Bancorp has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Community Bancorp's EV-to-FCF compare to PEBK and FFMH?
According to the Banks industry distribution chart, Citizens Community Bancorp ranks #752 out of 1197 companies for EV-to-FCF. This places Citizens Community Bancorp in the lower half of its industry. The industry median EV-to-FCF is 6.85. Citizens Community Bancorp's value of 10.66 is 55.6% above this benchmark. While the company's 10-year median is 14.24 vs. the industry median of 6.85, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.85, based on 1,197 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Community Bancorp's current EV-to-FCF of 10.66 is 55.6% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Citizens Community Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Community Bancorp's current EV-to-FCF is 10.66, which is 25% below median its own 10-year median of 14.24. 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 Significantly Overvalued. The stock's GF Value™ is $17.22, compared to a current price of $23.66 — trading 37.4% above its estimated fair value. The current EV-to-FCF is 10.66, which is 25% below median its 10-year median of 14.24 and 55.6% above the Banks industry median of 6.85. Citizens Community Bancorp's overall GF Score™ is 57/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Citizens Community Bancorp (CZWI), the current EV-to-FCF is 10.66 as of Jul. 26, 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 $23.66 is trading 37.4% above its estimated GF Value™ of $17.22.
GuruFocus considers Citizens Community Bancorp to be Significantly Overvalued.
Key valuation signals for CZWI:
EV-to-FCF: 10.66 (25% below median its 10-year median of 14.24)
GF Value™: $17.22 vs. price of $23.66 (37.4% above fair value)
Industry Position: 55.6% above the Banks median (#752 of 1197)
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.
57GF Score
Get the complete analysis for CZWI
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CZWI has been successfully added to your 
