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Citizens Community BancorpCZWI 60 PEG Ratio is 3.18 as of Sep. 09, 2026, which is 26% above its 10-year median of 2.53. 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 1,225 Banks companies, Citizens Community Bancorp ranks worse than 75.27% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Citizens Community Bancorp's PEG Ratio or its related term are showing as below:
CZWI'
s PEG Ratio Range Over the Past 10 Years
Min: 0.77 Med: 2.53 Max: 6.21
Current: 3.18
During the past 13 years, Citizens Community Bancorp's highest PEG Ratio was 6.21. The lowest was 0.77. And the median was 2.53.
CZWI's PEG Ratio is ranked worse than 75.27% of 1225
companies
in the Banks industry
Industry Median: 1.55
vs CZWI: 3.18
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Citizens Community Bancorp (NAS:CZWI) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Citizens Community Bancorp PEG Ratio Related Terms
Citizens Community Bancorp PEG Ratio 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 PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Community Bancorp's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Citizens Community Bancorp's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Citizens Community Bancorp (CZWI) has a PEG Ratio of 3.18 as of Sep. 09, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Citizens Community Bancorp and its competitors. This is 26% above median its historical median of 2.53. Over the past decade, Citizens Community Bancorp's PEG Ratio has ranged from 0.77 to 6.21. According to the industry distribution chart, Citizens Community Bancorp ranks #922 out of 1225 companies in the Banks industry, placing it in the top 75.3%.
Is Citizens Community Bancorp's PEG Ratio too high?
Citizens Community Bancorp's current PEG Ratio of 3.18 is 26% above median its 10-year median of 2.53. Over the past 10 years, this metric has ranged from a low of 0.77 to a high of 6.21. The Banks industry median PEG Ratio is 1.55. Citizens Community Bancorp's value of 3.18 is 105.2% above this industry median. Based on the distribution chart, Citizens Community Bancorp ranks #922 out of 1225 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 PEG Ratio compare to OAKC and PSBQ?
According to the Banks industry distribution chart, Citizens Community Bancorp ranks #922 out of 1225 companies for PEG Ratio. This places Citizens Community Bancorp in the lower half of its industry. The industry median PEG Ratio is 1.55. Citizens Community Bancorp's value of 3.18 is 105.2% above this benchmark. Historically, Citizens Community Bancorp's own PEG Ratio has ranged from 0.77 to 6.21 over the past decade. While the company's 10-year median is 2.53 vs. the industry median of 1.55, 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.55, based on 1,225 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Community Bancorp's current PEG Ratio of 3.18 is 105.2% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Citizens Community Bancorp and its competitors. For the Banks industry, the median PEG Ratio is 1.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Community Bancorp's current PEG Ratio is 3.18, which is 26% above median its own 10-year median of 2.53. 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 PEG Ratio is 3.18, which is 26% above median its 10-year median of 2.53 and 105.2% above the Banks industry median of 1.55. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Citizens Community Bancorp (CZWI), the current PEG Ratio is 3.18 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:
PEG Ratio: 3.18 (26% above median its 10-year median of 2.53)
GF Value™: $18.30 vs. price of $22.11 (20.8% above fair value)
Industry Position: 105.2% above the Banks median (#922 of 1225)
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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