CZWI (Citizens Community Bancorp) Growth Rank: 1 (As of Sep. 09, 2026) — 80% Below Median

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CZWI Citizens Community Bancorp Inc CZWI
60 GF Score
Price $22.13
GF Value $18.30
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Citizens Community Bancorp Growth Rank?

Citizens Community Bancorp CZWI +0.09% 60 Growth Rank is 1 as of Sep. 09, 2026, which is 80% below its 10-year median of 5.00. 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.

Citizens Community Bancorp has the Growth Rank of 1.

GuruFocus Growth Rank measures the growth of a company in terms of its revenue and profitability, rated on a scale from 1 to 10. Historically, the companies with the highest growth ranks performed the best over the long term. It is calculated using the following criteria:

1. 5-year revenue growth rate, the higher, the better.
2. 3-year revenue growth rate, the higher, the better.
3. 5-year EBITDA growth rate, the higher, the better.
4. The predictability of 5-year revenue. The most consistent it is, the higher the rank.

A higher score reflects a greater ability to drive business growth, with companies considered to have strong and sustainable expansion potential. Conversely, a lower score indicates challenges in achieving consistent growth and scalability.

GuruFocus found that the Growth Rank is the second of the two most-sensitive parameters among the five parameters checked. Please click GF Score to see more details on GF Score's 5 Key Aspects of Analysis.

Please note that we are using the five-year EBITDA growth rate as a parameter, so the company needs to have had positive growth over that time. The reason we use EBITDA instead of earnings per share is that with EBITDA, we can rank a lot more companies since a company may have positive EBITDA but negative EPS. Since we are looking at the growth here, EBITDA gives us a pretty clear picture about the growth in the company's business operations.

Citizens Community Bancorp Growth Rank Related Terms

CZWI vs OAKC, PSBQ, RBKB: Growth Rank Comparison

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

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

* The bar in red indicates where Citizens Community Bancorp's Growth Rank falls into.


CZWI
60GF Score
Citizens Community Bancorp Inc CZWI
Growth Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Growth Rank →
What does a Growth Rank of 1 mean?
Citizens Community Bancorp (CZWI) has a Growth Rank of 1 as of Sep. 09, 2026. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Citizens Community Bancorp and its competitors. This is 80% below median its historical median of 5.00. Over the past decade, Citizens Community Bancorp's Growth Rank has ranged from 1.00 to 7.00.
Is Citizens Community Bancorp's Growth Rank too high?
Citizens Community Bancorp's current Growth Rank of 1 is 80% below median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 7.00. 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 Growth Rank compare to OAKC and PSBQ?
Citizens Community Bancorp's Growth Rank of 1 can be compared against companies in the Banks industry. Historically, Citizens Community Bancorp's own Growth Rank has ranged from 1.00 to 7.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Growth Rank for a Banks company?
A good Growth Rank depends on the Banks industry context. However, Growth Rank 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 Growth Rank mean?
A high Growth Rank can signal that a stock is expensive relative to its fundamentals. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Citizens Community Bancorp and its competitors. Citizens Community Bancorp's current Growth Rank is 1, which is 80% below median its own 10-year median of 5.00. 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 $22.13 — trading 20.9% above its estimated fair value. The current Growth Rank is 1, which is 80% below median its 10-year median of 5.00. 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 Growth Rank calculated?
Growth Rank is calculated from a company's financial statements. For Citizens Community Bancorp (CZWI), the current Growth Rank is 1 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 $22.13 is trading 20.9% above its estimated GF Value™ of $18.30. GuruFocus considers Citizens Community Bancorp to be Modestly Overvalued.

Key valuation signals for CZWI:

  • Growth Rank: 1 (80% below median its 10-year median of 5.00)
  • GF Value™: $18.30 vs. price of $22.13 (20.9% 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

Get the complete analysis for CZWI

Growth Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$22.13
Price
$18.30
GF Value