Is Citizens Community Bancorp, Inc. (Wisconsin) overvalued or undervalued?

As of 12 May 2025, the valuation grade for Citizens Community Bancorp, Inc. has moved from attractive to fair, indicating a shift in market perception. The company is currently fairly valued. Key ratios include a P/E ratio of 11, a Price to Book Value of 0.79, and an EV to EBIT of 6.25, which suggest that while the company is not undervalued, it is also not significantly overvalued compared to its peers.
In comparison to its peers, Citizens Community Bancorp's P/E ratio of 11 is lower than FinWise Bancorp at 14.89 and First United Corp. at 8.17, which are both in the fair to attractive range. Notably, First National Corp. is considered very expensive with a P/E of 23.83, while BankFinancial Corp. is also expensive at 31.82. Additionally, the company's recent stock performance has lagged behind the S&P 500, particularly in the year-to-date return, where it has declined by 20.50% compared to the S&P 500's gain of 2.44%.