Start with its own history
At 16.27×, CZWI is 13.2% above its 9-observation annual average. A lower multiple can reflect a lower price, higher earnings, or weaker growth expectations—not necessarily a bargain.
NASDAQ · CZWIBanks - RegionalUpdated Nov 5, 2026
Citizens Community Bancorp, Inc. P/E ratio
Current valuation, historical context, and peer comparisons.
Current P/E ratio
16.27×
13.2% abovethe 9-observation annual average
Share price24.4
÷Earnings per share1.5
Price and EPS in quote currency. Calculation details
Investors are paying 16.27 for every 1 of reported earnings per share.
P/E over time
2017 – 2025
Annual P/ESelected-period average 14.37×
3-year average11.24×3 positive annual observations
5-year average9.56×5 positive annual observations
10-year average14.37×9 positive annual observations
Peer median · TTM15.12×8 peers with positive P/E
Historical P/E ratios
Annual period-end data · 23 observations
| Period end | P/E | Change |
|---|---|---|
| Dec 31, 2025 | 12.21× | +0.4% |
| Dec 31, 2024 | 12.16× | +29.8% |
| Dec 31, 2023 | 9.37× | +31.6% |
| Dec 31, 2022 | 7.12× | +2.4% |
| Dec 31, 2021 | 6.95× | -27.2% |
| Dec 31, 2020 | 9.55× | -33.6% |
| Dec 31, 2019 | 14.38× | -48.6% |
| Dec 31, 2018 | 27.95× | N/M |
View all 23 annual observations +
| Period end | P/E | Change |
|---|---|---|
| Sep 30, 2018 | N/M | N/M |
| Sep 30, 2017 | 29.68× | +56.6% |
| Sep 30, 2016 | 18.95× | +7.2% |
| Sep 30, 2015 | 17.68× | -30.1% |
| Sep 30, 2014 | 25.29× | -30.2% |
| Sep 30, 2013 | 36.25× | -75.8% |
| Sep 30, 2012 | 149.75× | +19.8% |
| Sep 30, 2011 | 125.00× | N/M |
| Sep 30, 2010 | N/M | N/M |
| Sep 30, 2009 | N/M | N/M |
| Sep 30, 2008 | 30.21× | -65.0% |
| Sep 30, 2007 | 86.36× | -12.1% |
| Sep 30, 2006 | 98.20× | +88.5% |
| Sep 30, 2005 | 52.08× | -21.8% |
| Sep 30, 2004 | 66.58× | N/M |
Change is relative to the preceding observation. N/M values are excluded from averages.
How CZWI compares
Company P/E vs. peer trailing-12-month ratios
| Company | P/E ratio |
|---|---|
 CZWI This stockCitizens Community Bancorp, Inc. | 16.27× |
 UBFOUnited Security Bancshares | 18.77× |
 HNVRHanover Bancorp, Inc. | 16.38× |
 PEBKPeoples Bancorp of North Carolina, Inc. | 10.73× |
 OVBCOhio Valley Banc Corp. | 15.99× |
 BVFLBV Financial, Inc. | 14.47× |
 MRBKMeridian Corporation | 8.78× |
 CFBKCF Bankshares Inc. | 10.22× |
 INBKFirst Internet Bancorp | 15.77× |
Peers are selected by the data provider. Business models and earnings definitions can differ.
Put the numbers in context
What does CZWI’s P/E tell you?
Compare like with like
The median of the 8 positive peer ratios above is 15.12×. Check growth, margins, debt, and earnings quality before interpreting the gap. A faster-growing business may justify a higher multiple.
Check what drives earnings
One-off gains can temporarily lower P/E; unusual charges can raise it. Reported earnings and forward estimates answer different questions. Pair this view with return on equity and liquidity for a fuller picture.
Keep your research connected
Take CZWI into your spreadsheet
Pull historical P/E into Excel or Google Sheets with Wisesheets. Build your own comparisons alongside the rest of your financial model.
Explore WisesheetsQuarterly P/E · latest quarterLQ selects the latest reported quarter. Requires the Wisesheets add-in. See available data
=WISE("CZWI", "PE Ratio", "LQ")Sources & calculation methodology
Current P/E
Share price 24.4 ÷ EPS 1.5 = 16.27×. Data is supplied by Financial Modeling Prep through Wisesheets. Quote feed updated Nov 5, 2026; this is not a real-time trading quote.
History & averages
Annual and quarterly P/E observations are provided separately from the current quote. Averages use the latest 3, 5, or 10 annual observations, excluding missing and nonpositive ratios. Pre-IPO observations are omitted. These are period-end observations, not daily averages.
Data definitions and limitations
The current quote feed does not specify the exact EPS filing-period end or whether EPS is basic or diluted. We do not label it as forward P/E. Peer ratios are explicitly trailing-12-month (TTM) values. Historical observations do not include independently verified price and EPS inputs. Sources may update on different schedules; rounded inputs can produce small calculation differences. Historical comparisons describe past pricing, not an estimate of fair value.
CZWI P/E ratio: common questions
The essentials behind the numbers.
Citizens Community Bancorp, Inc.'s current P/E is 16.27× based on the quote data last updated Nov 5, 2026. It represents the share price divided by reported earnings per share. Prices and earnings may refresh on different schedules.
Annual P/E uses earnings for a completed fiscal year. Trailing-12-month (TTM) P/E uses the latest four quarters, while forward P/E uses forecast earnings. These are not interchangeable. This page labels peer ratios as TTM and shows dated annual or quarterly historical observations; it does not show forward estimates.
N/M means not meaningful: the feed has no positive P/E for that observation. Negative or zero earnings should not be ranked as a low positive valuation multiple. N/M observations are excluded from the averages shown above.
Divide the share price by earnings per share (EPS). For example, a share price of 100 and EPS of 5 gives a P/E of 20×. This page uses the price and EPS supplied together in the quote when both are positive.
Price timestamps, EPS definitions, share classes, adjustments, and fiscal periods can differ. A forward P/E also uses forecast earnings rather than reported earnings. Compare the inputs and as-of dates before comparing two displayed ratios.
Not necessarily. The average describes previous market pricing, not fair value. Changes in earnings quality, growth expectations, debt, accounting, and business risk can justify a different multiple today.