Citizens Community Bancorp Inc MD Dossier
|
SectorFinancials IndustryRegional Banks Beta (adjusted)0.67 Intrinsic Value $12.43median of 2 methodsbased on filings through 30 Jun 2026 Market Price $21.20Price as of 1 Oct 2026 OvervaluedIntrinsic value is 41% below the market price −50% · IV below pricenear fair value ±15%IV above price · +50% Data confidence Sign in to view data confidence Market Cap $204.6M Enterprise Value $134.7M Shares Outstanding 9.5M diluted Next Earnings Date26 Oct 2026 Last ex-dividend8 May 2026 All prices and values are periodic snapshots, not live quotes. Source dates are shown for reference. ThesisStreet consensus, scenarios, merits, risks, and invalidation triggers Thesis Summary Citizens Community Bancorp Inc. (CZWI) continues to demonstrate stable operational performance, characterized by steady loan and deposit growth alongside solid earnings that beat consensus estimates in Q1 2026. However, the regional banking sector faces ongoing headwinds from net interest margin pressure and high deposit competition. While the company's strong capital position and consistent dividend payouts support a solid baseline valuation, the stock appears fairly valued at current levels, warranting a Hold recommendation. This section is the 12-month view: analyst targets and the probability-weighted scenarios built from them. The intrinsic value at the top of this page answers a different question: what the business is worth today. Street view · analyst 12-month targets Low · most bearish analyst$24.00 Mean target$24.00 High · most bullish analyst$24.00 Street targets sit above today's price; our intrinsic value sits below it. Different horizons, different questions. Our research · scenarios, merits, risks, and invalidation triggersResearch as of 20 Jun 2026 Scenarios · 12-month scenario targets Bear CaseDownside scenario $17.5020% Severe deposit competition forces higher funding costs, leading to significant net interest margin compression. Concurrently, regional economic downturns in Wisconsin and Minnesota increase nonperforming loans and credit provision expenses. Base CaseCentral scenario $21.5050% Steady loan growth of 1-3% per quarter and stable deposit levels allow the bank to maintain a net interest margin above 3.10%. Moderate cost containment initiatives keep efficiency ratios stable, supporting consistent quarterly earnings and dividend payments. Bull CaseUpside scenario $24.5030% Accelerated organic loan growth in high-yield commercial and agricultural sectors, combined with rapid stabilization of deposit costs, drives net interest margin expansion and double-digit EPS growth. Scenarios are anchored to street consensus at the research date, with our probabilities and rationale. Key Investment Merits
Key Investment Risks
Thesis Invalidation Triggers
All scenarios are estimates and subject to change. Past performance is not indicative of future results. Quality Pillars MembersThis section is available to registered members. Create a free account or sign in to unlock the full breakdown. Explore this dossierValuationIntrinsic value, the six-method breakdown, peer medians, and your assumptions sandbox.Financial SnapshotRevenue, profitability, returns, balance sheet, dividends, and the filing-level detail.Qualitative AnalysisBusiness overview, strategic initiatives, and mergers, acquisitions & partnerships.Outlook & Key DatesForward estimates, reporting calendar, and the monitoring framework. |