CZWI
Citizens Community Bancorp
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: CZWI
- PE Ratio
As at Jun 2, 2026, the CZWI stock has a PE ratio of 13.97. This is based on the current EPS of $1.53 and the stock price of $21.38 per share. An increase of 15% has been seen in the P/E ratio compared to the average of 12.2 of the last 4 quarters.
CZWI PE ratio history
The mean historical PE ratio of Citizens Community Bancorp over the last ten years is 16.98. The current 13.97 PE ratio is 18% below the historical average. Over the past ten years, CZWI's PE ratio was at its highest in the Dec 2018 quarter at 90.83, with a price of $10.9 and an EPS of $0.12. The Jun 2023 quarter recorded the bottom point at 5.94, with a price of $8.85 and an EPS of $1.49.
Citizens Community Bancorp PE ratio by year
Maximum annual increase: 206.03% in 2018
Maximum annual decrease: -84.17% in 2019
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 12.21 | 0.41% | $17.82 | $1.46 |
| 2024 | 12.16 | 29.78% | $16.29 | $1.34 |
| 2023 | 9.37 | 31.6% | $11.71 | $1.25 |
| 2022 | 7.12 | 2.45% | $12.03 | $1.69 |
| 2021 | 6.95 | -27.23% | $13.77 | $1.98 |
| 2020 | 9.55 | -33.59% | $10.89 | $1.14 |
| 2019 | 14.38 | -84.17% | $12.22 | $0.85 |
| 2018 | 90.83 | 206.03% | $10.9 | $0.12 |
| 2017 | 29.68 | 30.06% | $13.95 | $0.47 |
| 2016 | 22.82 | 39.4% | $11.18 | $0.49 |
| 2015 | 16.37 | -35.27% | $8.84 | $0.54 |
| 2014 | 25.29 | -30.23% | $8.85 | $0.35 |
| 2013 | 36.25 | -75.42% | $7.25 | $0.2 |
| 2012 | 147.5 | 18% | $5.9 | $0.04 |
| 2011 | 125 | N/A | $5 | $0.04 |
Citizens Community Bancorp PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 12.94 | 5.98% | $19.8 | $1.53 |
| Dec 2025 | 12.21 | -2.01% | $17.82 | $1.46 |
| Sep 2025 | 12.46 | 11.95% | $16.07 | $1.29 |
| Jun 2025 | 11.13 | -2.45% | $13.8 | $1.24 |
| Mar 2025 | 11.41 | -6.17% | $14.38 | $1.26 |
| Dec 2024 | 12.16 | 21.84% | $16.29 | $1.34 |
| Sep 2024 | 9.98 | 15.64% | $14.17 | $1.42 |
| Jun 2024 | 8.63 | -7.7% | $11.57 | $1.34 |
| Mar 2024 | 9.35 | -0.21% | $12.15 | $1.3 |
| Dec 2023 | 9.37 | 31.79% | $11.71 | $1.25 |
| Sep 2023 | 7.11 | 19.7% | $9.6 | $1.35 |
| Jun 2023 | 5.94 | -10.94% | $8.85 | $1.49 |
| Mar 2023 | 6.67 | -6.32% | $10.61 | $1.59 |
| Dec 2022 | 7.12 | 5.95% | $12.03 | $1.69 |
| Sep 2022 | 6.72 | -7.69% | $12.17 | $1.81 |
CZWI Price vs fair value
CZWI average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
The current PE ratio of CZWI is greater than its 3 and 5-year historical averages, but it is below the 10-year average.
PE comparison
Citizens Community Bancorp's P/E of 13.97 is above the Financial Services sector and the industry average. Compared to its Financial Services sector average of 12.38, Citizens Community Bancorp's P/E is 13% higher.
CZWI PE vs peers
Compared to its peer stock WBS, CZWI's PE ratio stands higher.
| Stock name | PE ratio | Market cap |
|---|---|---|
| WBS Webster Financial Corp | 11.79 | $11.69B |
| CZWI Citizens Community Bancorp Inc | 13.41 | $197.8M |
| FLG Flagstar Financial Inc. | N/A | $5.74B |
Frequently asked questions
What is Citizens Community Bancorp's PE ratio?
The price to earnings ratio for CZWI stock as of Jun 2, 2026, stands at 13.97.
What is the 3-year average PE ratio for Citizens Community Bancorp (CZWI)?
The 3-year average PE ratio for CZWI stock is 10.22.
What is the 5-year average PE ratio for Citizens Community Bancorp (CZWI)?
The 5-year average PE ratio for CZWI stock is 9.1.
What is the highest PE ratio for CZWI?
The highest quarterly PE ratio in the last ten years has been 90.83 and it was in the Dec 2018 quarter.
How does the current PE ratio for CZWI compare to its historical average?
CZWI's current price to earnings ratio is 18% below its 10-year historical average.
How is CZWI's PE ratio calculated (Citizens Community Bancorp PE ratio formula)?
You can calculate the PE ratio by dividing the most recent stock price by the trailing twelve months EPS. As of today (Jun 2, 2026), Citizens Community Bancorp's stock price is $21.38. The earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $1.53. Therefore, Citizens Community Bancorp's P/E ratio for today is 13.97. PE RATIO(13.97) = STOCK PRICE($21.38) / TTM EPS($1.53)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.