CZWI (Citizens Community Bancorp) Moat Score: 3/10 (As of Sep. 09, 2026)

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CZWI Citizens Community Bancorp Inc CZWI
60 GF Score
Price $22.11
GF Value $18.30
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Citizens Community Bancorp Moat Score?

Citizens Community Bancorp CZWI 60 Moat Score is 3 as of Sep. 09, 2026. 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 1,600 Banks companies, Citizens Community Bancorp ranks better than 74.56% on this metric.

Citizens Community Bancorp has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Citizens Community Bancorp has No Moat: Citizens Community Bancorp Inc has very weak competitive advantages. It operates in a competitive banking sector with limited differentiation, lacking significant customer switching costs, brand strength, or regulatory barriers.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Citizens Community Bancorp might have No Moat - Very weak/transient advantages.

Citizens Community Bancorp  (NAS:CZWI) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Citizens Community Bancorp Moat Score Related Terms

CZWI vs OAKC, PSBQ, RBKB: Moat Score Comparison

For the Banks - Regional subindustry, Citizens Community Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Citizens Community Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Citizens Community Bancorp's Moat Score falls into.


CZWI
60GF Score
Citizens Community Bancorp Inc CZWI
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Citizens Community Bancorp (CZWI) has a Moat Score of 3 as of Sep. 09, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Citizens Community Bancorp ranks #407 out of 1600 companies in the Banks industry, placing it in the top 25.4%.
Is Citizens Community Bancorp's Moat Score too high?
Citizens Community Bancorp's current Moat Score is 3. Based on the distribution chart, Citizens Community Bancorp ranks #407 out of 1600 companies in the Banks industry, which is above 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 Moat Score compare to OAKC and PSBQ?
According to the Banks industry distribution chart, Citizens Community Bancorp ranks #407 out of 1600 companies for Moat Score. This puts Citizens Community Bancorp in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Citizens Community Bancorp's current Moat Score is 3. 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 Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Citizens Community Bancorp (CZWI), the current Moat Score is 3 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 $22.11 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:

  • Moat Score: 3
  • GF Value™: $18.30 vs. price of $22.11 (20.8% above fair value)
  • GF Score™: 60/100 with 6 warning signs

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 Business Description

Address 2174 EastRidge Center, Eau Claire, WI, USA, 54701
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$22.11
Price
$18.30
GF Value