Roiver Score™ for
CZWICitizens Community Bancorp, Inc.
Savings Institution, Federally Chartered
Based on fundamentals through 12/31/2025.
As of December 31, 2025, Citizens Community Bancorp, Inc. (CZWI) scores 60/100 (Solid) on the Roiver Score — a transparent quality composite. Its strongest area is capital structure; its weakest is profitability. The score measures business quality, not timing — it's a signal, not a recommendation.
No black box
Roiver Score is a transparent 0–100 quality composite. Five components, each 0–20: profitability, capital structure, cash quality, valuation, and stability. Inspired by Piotroski's F-Score, Altman's Z-Score, and the Buffett/Munger framework on quality compounders at fair prices. Read the full methodology →
Frequently asked about CZWI
What is CZWI's Roiver Score?
Citizens Community Bancorp, Inc. scores 60 out of 100 (Solid) as of December 31, 2025, based on fundamentals.
How is the Roiver Score for CZWI calculated?
It sums five 0–20 components — profitability, capital structure, cash quality, valuation, and stability — into a transparent 0–100 composite. The full methodology is published.
Is CZWI a good quality stock?
On quality, CZWI rates "Solid" (60/100). Its strongest driver is capital structure and its weakest is profitability. Quality is one input to a decision, not a buy/sell call.
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Educational use only. Roiver Score is a quality signal, not a recommendation.