CZWI (Citizens Community Bancorp) ROC (Joel Greenblatt) %: % (As of Jun. 2026)

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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 ROC (Joel Greenblatt) %?

Citizens Community Bancorp CZWI +0.09% 60 ROC (Joel Greenblatt) % is % as of Jun. 2026. 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 48 Banks companies, Citizens Community Bancorp ranks worse than 2083331.25% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

CZWI
60GF Score
Citizens Community Bancorp Inc CZWI
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Citizens Community Bancorp (CZWI) has a ROC (Joel Greenblatt) % of % as of Jun. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Citizens Community Bancorp and its competitors. According to the industry distribution chart, Citizens Community Bancorp ranks #999999 out of 48 companies in the Banks industry.
Is Citizens Community Bancorp's ROC (Joel Greenblatt) % too high?
Citizens Community Bancorp's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Citizens Community Bancorp ranks #999999 out of 48 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 ROC (Joel Greenblatt) % compare to OAKC and PSBQ?
According to the Banks industry distribution chart, Citizens Community Bancorp ranks #999999 out of 48 companies for ROC (Joel Greenblatt) %. This places Citizens Community Bancorp in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 51.60. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 51.60, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Citizens Community Bancorp and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 51.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Community Bancorp's current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Citizens Community Bancorp (CZWI), the current ROC (Joel Greenblatt) % is % 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 $22.13 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:

  • ROC (Joel Greenblatt) %: %
  • 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

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$22.13
Price
$18.30
GF Value