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Citizens Community BancorpCZWI 60 5-Year Yield-on-Cost % is 2.45 as of Sep. 09, 2026, which is 23% below its 10-year median of 3.19. 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 1,242 Banks companies, Citizens Community Bancorp ranks worse than 74.72% on this metric.
Citizens Community Bancorp (NAS:CZWI) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Citizens Community Bancorp 5-Year Yield-on-Cost % Related Terms
CZWI vs OAKC, PSBQ, RBKB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Citizens Community Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Community Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Citizens Community Bancorp's 5-Year Yield-on-Cost % falls into.
Citizens Community Bancorp 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Citizens Community Bancorp (CZWI) has a 5-Year Yield-on-Cost % of 2.45 as of Sep. 09, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Citizens Community Bancorp and its competitors. This is 23% below median its historical median of 3.19. Over the past decade, Citizens Community Bancorp's 5-Year Yield-on-Cost % has ranged from 0.78 to 6.55. According to the industry distribution chart, Citizens Community Bancorp ranks #928 out of 1242 companies in the Banks industry, placing it in the top 74.7%.
Is Citizens Community Bancorp's 5-Year Yield-on-Cost % too high?
Citizens Community Bancorp's current 5-Year Yield-on-Cost % of 2.45 is 23% below median its 10-year median of 3.19. Over the past 10 years, this metric has ranged from a low of 0.78 to a high of 6.55. The Banks industry median 5-Year Yield-on-Cost % is 3.82. Citizens Community Bancorp's value of 2.45 is 35.9% below this industry median. Based on the distribution chart, Citizens Community Bancorp ranks #928 out of 1242 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 5-Year Yield-on-Cost % compare to OAKC and PSBQ?
According to the Banks industry distribution chart, Citizens Community Bancorp ranks #928 out of 1242 companies for 5-Year Yield-on-Cost %. This places Citizens Community Bancorp in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.82. Citizens Community Bancorp's value of 2.45 is 35.9% below this benchmark. Historically, Citizens Community Bancorp's own 5-Year Yield-on-Cost % has ranged from 0.78 to 6.55 over the past decade. While the company's 10-year median is 3.19 vs. the industry median of 3.82, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.82, based on 1,242 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Community Bancorp's current 5-Year Yield-on-Cost % of 2.45 is 35.9% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Citizens Community Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Community Bancorp's current 5-Year Yield-on-Cost % is 2.45, which is 23% below median its own 10-year median of 3.19. 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 5-Year Yield-on-Cost % is 2.45, which is 23% below median its 10-year median of 3.19 and 35.9% below the Banks industry median of 3.82. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Citizens Community Bancorp (CZWI), the current 5-Year Yield-on-Cost % is 2.45 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:
5-Year Yield-on-Cost %: 2.45 (23% below median its 10-year median of 3.19)
GF Value™: $18.30 vs. price of $22.11 (20.8% above fair value)
Industry Position: 35.9% below the Banks median (#928 of 1242)
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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