CZWI (Citizens Community Bancorp) Momentum Rank: 9 (As of Sep. 09, 2026) — 29% Above Median

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Director of Data and Quant Analytics at GuruFocus
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.
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Founder & CEO of GuruFocus
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.

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 Momentum Rank?

Citizens Community Bancorp CZWI 60 Momentum Rank is 9 as of Sep. 09, 2026, which is 29% above its 10-year median of 7.00. 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 Momentum Rank of 9.

Momentum Rank measures the strength and persistence of a stock's price movement over time, rated on a scale of 1 to 10.

For Momentum Rank, we considered the residual momentum concept that was widely studied by Blitz and his colleagues as well as by Nobel Prize laureates Fama and French. However, we did not find any significant differences in the performances of stocks with different ranks of residual momentum. Therefore, we use traditional momentum instead.

Momentum Rank is determined using the standardized momentum ratio and other momentum indicators. The standardized momentum ratio is the average of the performances from 12 months ago to 1 month ago and 6 months ago to 1 month ago, divided by the beta of the stock over the past 12 months. To calculate the momentum ratio today, we would use the average of the two performance numbers.

For momentum, we found that stock price performance does not have a monotonic correlation with the momentum ratio. The stocks with the highest momentum ratios perform worse than those at about the 70th percentile. Therefore, for the momentum rank, we ranked the stocks at about the 70th percentile of the momentum ratio as the highest at 10.

A higher score reflects strong price momentum and indicates greater potential for superior performance. Conversely, a lower score indicates that momentum is either too high or too low, and stocks tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Citizens Community Bancorp Momentum Rank Related Terms

CZWI vs OAKC, PSBQ, RBKB: Momentum Rank Comparison

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

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

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


CZWI
60GF Score
Citizens Community Bancorp Inc CZWI
Momentum Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Momentum Rank →
What does a Momentum Rank of 9 mean?
Citizens Community Bancorp (CZWI) has a Momentum Rank of 9 as of Sep. 09, 2026. Momentum Rank is determined using the standardized momentum ratio, measuring the speed and velocity of price changes in a stock. View historical data on Citizens Community Bancorp and its competitors. This is 29% above median its historical median of 7.00. Over the past decade, Citizens Community Bancorp's Momentum Rank has ranged from 1.00 to 10.00.
Is Citizens Community Bancorp's Momentum Rank too high?
Citizens Community Bancorp's current Momentum Rank of 9 is 29% above median its 10-year median of 7.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 10.00. 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 Momentum Rank compare to OAKC and PSBQ?
Citizens Community Bancorp's Momentum Rank of 9 can be compared against companies in the Banks industry. Historically, Citizens Community Bancorp's own Momentum Rank has ranged from 1.00 to 10.00 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 Momentum Rank for a Banks company?
A good Momentum Rank depends on the Banks industry context. However, Momentum 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 Momentum Rank mean?
A high Momentum Rank can signal that a stock is expensive relative to its fundamentals. Momentum Rank is determined using the standardized momentum ratio, measuring the speed and velocity of price changes in a stock. View historical data on Citizens Community Bancorp and its competitors. Citizens Community Bancorp's current Momentum Rank is 9, which is 29% above median its own 10-year median of 7.00. 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 $22.11 — trading 20.8% above its estimated fair value. The current Momentum Rank is 9, which is 29% above median its 10-year median of 7.00. 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 Momentum Rank calculated?
Momentum Rank is calculated from a company's financial statements. For Citizens Community Bancorp (CZWI), the current Momentum Rank is 9 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:

  • Momentum Rank: 9 (29% above median its 10-year median of 7.00)
  • 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

Get the complete analysis for CZWI

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

$22.11
Price
$18.30
GF Value