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Citizens Community BancorpCZWI 60 Shiller PE Ratio is 16.26 as of Sep. 09, 2026, which is 16% below its 10-year median of 19.42. 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 1,235 Banks companies, Citizens Community Bancorp ranks worse than 64.29% on this metric.
The historical rank and industry rank for Citizens Community Bancorp's Shiller PE Ratio or its related term are showing as below:
CZWI'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.92 Med: 19.42 Max: 710.5
Current: 16.26
During the past years, Citizens Community Bancorp's highest Shiller PE Ratio was 710.50. The lowest was 7.92. And the median was 19.42.
CZWI's Shiller PE Ratio is ranked worse than 64.29% of 1235
companies
in the Banks industry
Industry Median: 13.91
vs CZWI: 16.26
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
Citizens Community Bancorp's adjusted earnings per share data for the three months ended in Jun. 2026 was $0.110. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $1.36 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Citizens Community Bancorp (NAS:CZWI) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
Citizens Community Bancorp Shiller PE Ratio Related Terms
Citizens Community Bancorp Shiller PE 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.
CZWI vs OAKC, PSBQ, RBKB: Shiller PE Ratio Comparison
For the Banks - Regional subindustry, Citizens Community Bancorp's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Community Bancorp's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where Citizens Community Bancorp's Shiller PE Ratio falls into.
Citizens Community Bancorp Shiller PE Ratio Calculation
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
* 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.
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
Citizens Community Bancorp (CZWI) has a Shiller PE Ratio of 16.26 as of Sep. 09, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Citizens Community Bancorp and its competitors. This is 16% below median its historical median of 19.42. Over the past decade, Citizens Community Bancorp's Shiller PE Ratio has ranged from 7.92 to 710.50. According to the industry distribution chart, Citizens Community Bancorp ranks #794 out of 1235 companies in the Banks industry, placing it in the top 64.3%.
Is Citizens Community Bancorp's Shiller PE Ratio too high?
Citizens Community Bancorp's current Shiller PE Ratio of 16.26 is 16% below median its 10-year median of 19.42. Over the past 10 years, this metric has ranged from a low of 7.92 to a high of 710.50. The Banks industry median Shiller PE Ratio is 13.91. Citizens Community Bancorp's value of 16.26 is 16.9% above this industry median. Based on the distribution chart, Citizens Community Bancorp ranks #794 out of 1235 companies in the Banks industry, which is below the industry midpoint. 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 Shiller PE Ratio compare to OAKC and PSBQ?
According to the Banks industry distribution chart, Citizens Community Bancorp ranks #794 out of 1235 companies for Shiller PE Ratio. This places Citizens Community Bancorp in the lower half of its industry. The industry median Shiller PE Ratio is 13.91. Citizens Community Bancorp's value of 16.26 is 16.9% above this benchmark. Historically, Citizens Community Bancorp's own Shiller PE Ratio has ranged from 7.92 to 710.50 over the past decade. While the company's 10-year median is 19.42 vs. the industry median of 13.91, 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 Shiller PE Ratio for a Banks company?
The median Shiller PE Ratio among Banks companies is 13.91, based on 1,235 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Community Bancorp's current Shiller PE Ratio of 16.26 is 16.9% 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Citizens Community Bancorp and its competitors. For the Banks industry, the median Shiller PE Ratio is 13.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Community Bancorp's current Shiller PE Ratio is 16.26, which is 16% below median its own 10-year median of 19.42. 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 Shiller PE Ratio is 16.26, which is 16% below median its 10-year median of 19.42 and 16.9% above the Banks industry median of 13.91. 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 Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For Citizens Community Bancorp (CZWI), the current Shiller PE Ratio is 16.26 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:
Shiller PE Ratio: 16.26 (16% below median its 10-year median of 19.42)
GF Value™: $18.30 vs. price of $22.11 (20.8% above fair value)
Industry Position: 16.9% above the Banks median (#794 of 1235)
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.
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