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Citizens Community BancorpCZWI 60 Net Margin % is 6.83% as of Jun. 2026, which is 67% below its 10-year median of 20.46. 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 1,519 Banks companies, Citizens Community Bancorp ranks worse than 70.64% on this metric.
Citizens Community Bancorp (NAS:CZWI) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Citizens Community Bancorp Net Margin % Related Terms
Citizens Community Bancorp Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Community Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Citizens Community Bancorp's Net Margin % falls into.
* 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 Net Margin % of 6.83% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Citizens Community Bancorp and its competitors. This is 67% below median its historical median of 20.46. Over the past decade, Citizens Community Bancorp's Net Margin % has ranged from 9.36 to 30.52. According to the industry distribution chart, Citizens Community Bancorp ranks #1073 out of 1519 companies in the Banks industry, placing it in the top 70.6%.
Is Citizens Community Bancorp's Net Margin % too high?
Citizens Community Bancorp's current Net Margin % of 6.83% is 67% below median its 10-year median of 20.46. Over the past 10 years, this metric has ranged from a low of 9.36 to a high of 30.52. The Banks industry median Net Margin % is 27.34. Citizens Community Bancorp's value of 6.83% is 75% below this industry median. Based on the distribution chart, Citizens Community Bancorp ranks #1073 out of 1519 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 Net Margin % compare to OAKC and PSBQ?
According to the Banks industry distribution chart, Citizens Community Bancorp ranks #1073 out of 1519 companies for Net Margin %. This places Citizens Community Bancorp in the lower half of its industry. The industry median Net Margin % is 27.34. Citizens Community Bancorp's value of 6.83% is 75% below this benchmark. Historically, Citizens Community Bancorp's own Net Margin % has ranged from 9.36 to 30.52 over the past decade. While the company's 10-year median is 20.46 vs. the industry median of 27.34, Citizens Community Bancorp has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.34, based on 1,519 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Community Bancorp's current Net Margin % of 6.83% is 75% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Citizens Community Bancorp and its competitors. For the Banks industry, the median Net Margin % is 27.34 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Community Bancorp's current Net Margin % is 6.83%, which is 67% below median its own 10-year median of 20.46. 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 Net Margin % is 6.83%, which is 67% below median its 10-year median of 20.46 and 75% below the Banks industry median of 27.34. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Citizens Community Bancorp (CZWI), the current Net Margin % is 6.83% 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:
Net Margin %: 6.83% (67% below median its 10-year median of 20.46)
GF Value™: $18.30 vs. price of $22.11 (20.8% above fair value)
Industry Position: 75% below the Banks median (#1073 of 1519)
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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