Price (90d)
No price history yet — the daily price refresh runs once a day.
Signal Score (90d)
120Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $90.07M | $14.42M | $1.46 |
| 2024 | $99.43M | $13.75M | $1.34 |
| 2023 | $94.44M | $13.06M | $1.25 |
| 2022 | $80.22M | $17.76M | $1.69 |
| 2021 | $80.06M | $21.27M | $1.98 |
Social Signal Score
Earnings
Mon, Oct 26(in 2 months)
Consensus estimate $0.47 per share
Typical surprise +8.3% (median, so one quarter with a near-zero estimate can't distort it)
- Mon, Jul 27$0.11 vs $0.41miss
- Mon, Apr 27$0.39 vs $0.36beat
- Mon, Jan 26$0.44 vs $0.37beat
- Mon, Oct 27$0.37 vs $0.37beat
- Mon, Jul 28$0.33 vs $0.29beat
- Mon, Apr 28$0.32 vs $0.27beat
Estimates and results for CZWI via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Valuation
Project earnings forward and see what return today's price implies.
Seeded from CZWI's reported EPS growth of -7.3% a year over 4 years.
- EPS in 5 years
- $1.02
- Implied price
- $12.20
- Return from $21.02
- -10.3% a year
To earn 15.0% a year on these assumptions you'd need to buy at $6.07 — -71.1% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 8 | 10 | 12 | 14 | 16 |
|---|---|---|---|---|---|
| -17.3% | -26.2% | -22.8% | -20.0% | -17.5% | -15.2% |
| -12.3% | -21.8% | -18.2% | -15.1% | -12.5% | -10.1% |
| -7.3% | -17.3% | -13.5% | -10.3% | -7.5% | -5.0% |
| -2.3% | -12.8% | -8.9% | -5.5% | -2.5% | 0.1% |
| 2.7% | -8.4% | -4.2% | -0.6% | 2.5% | 5.3% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Mentions (1)
- Newszacks.com·5d ago·Positive
Citizens Community Bancorp, Inc. (CZWI) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Citizens Community Bancorp (CZWI) have what it takes?
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