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Citizens Community BancorpCZWI 60 Return-on-Tangible-Asset is 0.25% as of Jun. 2026, which is 68% below its 10-year median of 0.78. GuruFocus rates CZWI with a GF Scoreâ„¢ of 60/100 and a GF Valueâ„¢ of $18.30 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,518 Banks companies, Citizens Community Bancorp ranks worse than 66.14% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Citizens Community Bancorp's annualizedNet Income for the quarter that ended in Jun. 2026 was $4.41 Mil. Citizens Community Bancorp's average total tangible assets for the quarter that ended in Jun. 2026 was $1,783.45 Mil. Therefore, Citizens Community Bancorp's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 0.25%.
The historical rank and industry rank for Citizens Community Bancorp's Return-on-Tangible-Asset or its related term are showing as below:
CZWI'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.31 Med: 0.78 Max: 1.29
Current: 0.74
During the past 13 years, Citizens Community Bancorp's highest Return-on-Tangible-Asset was 1.29%. The lowest was 0.31%. And the median was 0.78%.
CZWI's Return-on-Tangible-Asset is ranked worse than 66.14% of 1518
companies
in the Banks industry
Industry Median: 1.03
vs CZWI: 0.74
Citizens Community Bancorp (NAS:CZWI) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companyÂ’s earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companyÂ’s tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Citizens Community Bancorp Return-on-Tangible-Asset Related Terms
Citizens Community Bancorp Return-on-Tangible-Asset 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.
Citizens Community Bancorp Return-on-Tangible-Asset Chart
CZWI vs OAKC, PSBQ, RBKB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Citizens Community Bancorp's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Community Bancorp's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Citizens Community Bancorp's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.25% mean?
Citizens Community Bancorp (CZWI) has a Return-on-Tangible-Asset of 0.25% as of Jun. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Citizens Community Bancorp and its competitors. This is 68% below median its historical median of 0.78. Over the past decade, Citizens Community Bancorp's Return-on-Tangible-Asset has ranged from 0.31 to 1.29. According to the industry distribution chart, Citizens Community Bancorp ranks #1004 out of 1518 companies in the Banks industry, placing it in the top 66.1%.
Is Citizens Community Bancorp's Return-on-Tangible-Asset too high?
Citizens Community Bancorp's current Return-on-Tangible-Asset of 0.25% is 68% below median its 10-year median of 0.78. Over the past 10 years, this metric has ranged from a low of 0.31 to a high of 1.29. The Banks industry median Return-on-Tangible-Asset is 1.03. Citizens Community Bancorp's value of 0.25% is 75.7% below this industry median. Based on the distribution chart, Citizens Community Bancorp ranks #1004 out of 1518 companies in the Banks industry, which is below the industry midpoint. Overall, Citizens Community Bancorp has a GF Scoreâ„¢ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Community Bancorp's Return-on-Tangible-Asset compare to OAKC and PSBQ?
According to the Banks industry distribution chart, Citizens Community Bancorp ranks #1004 out of 1518 companies for Return-on-Tangible-Asset. This places Citizens Community Bancorp in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.03. Citizens Community Bancorp's value of 0.25% is 75.7% below this benchmark. Historically, Citizens Community Bancorp's own Return-on-Tangible-Asset has ranged from 0.31 to 1.29 over the past decade. While the company's 10-year median is 0.78 vs. the industry median of 1.03, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.03, based on 1,518 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Community Bancorp's current Return-on-Tangible-Asset of 0.25% is 75.7% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Citizens Community Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Community Bancorp's current Return-on-Tangible-Asset is 0.25%, which is 68% below median its own 10-year median of 0.78. 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 Return-on-Tangible-Asset is 0.25%, which is 68% below median its 10-year median of 0.78 and 75.7% below the Banks industry median of 1.03. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Citizens Community Bancorp (CZWI), the current Return-on-Tangible-Asset is 0.25% 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:
Return-on-Tangible-Asset: 0.25% (68% below median its 10-year median of 0.78)
GF Value™: $18.30 vs. price of $22.11 (20.8% above fair value)
Industry Position: 75.7% below the Banks median (#1004 of 1518)
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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