CZWI
Citizens Community Bancorp, Inc.
CZWI trails on the overall score without a compensating advantage in the available component scores.
GS
The Goldman Sachs Group, Inc.
GS has the edge over CZWI overall, supported by stronger valuation and stronger fundamentals.
CZWI Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CZWI's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like CZWI.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
CZWI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.9x | $10.36 | -56% |
| Fair | 9.1x | $13.62 | -42% |
| Expensive | 13x | $19.92 | -15% |
| Current | 16x | $23.44 | — |
Historical ranges are pointers, not guarantees.
CZWI's PE is in its expensive range at 16x.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS has the edge over CZWI in the historical PE scenario, which offers more potential upside but is not a forecast.
CZWI Forward outlook
There aren't enough analyst estimates for CZWI to show an outlook.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
CZWI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $1.50 | +15% |
| Q2 2026 | $1.31 | +4.8% |
| Q1 2026 | $1.53 | +20% |
| Q4 2025 | $1.46 | +9% |
| Q3 2025 | $1.30 | -7.8% |
| Q2 2025 | $1.25 | -6% |
| Q1 2025 | $1.27 | -1.6% |
| Q4 2024 | $1.34 | +7.2% |
CZWI earned $1.50 per share over the past year, up 15% from the year before.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over CZWI on earnings, with more consistent year-over-year improvement.
CZWI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $17.4M | +7% |
| Q2 2026 | $16.1M | -0.2% |
| Q1 2026 | $16.1M | +14% |
| Q4 2025 | $15.8M | +15% |
| Q3 2025 | $16.2M | +14% |
| Q2 2025 | $16.1M | +20% |
| Q1 2025 | $14.2M | -6.5% |
| Q4 2024 | $13.7M | -3.6% |
CZWI's revenue has picked up after two years of holding roughly level: $17M last quarter, up 7% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 38% | +10 points |
| Q2 2026 | 7.7% | -17 points |
| Q1 2026 | 29% | +0.7 points |
| Q4 2025 | 31% | +6.5 points |
| Q3 2025 | 28% | -1.5 points |
| Q2 2025 | 25% | -9.9 points |
| Q1 2025 | 28% | -6.2 points |
| Q4 2024 | 24% | -8.3 points |
CZWI has the edge over GS on profitability, with a higher operating margin.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS has the edge over CZWI on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS's operating margin was 37% last quarter, up 2 points from the same quarter a year ago.
CZWI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $5.1M | -18% |
| Q2 2026 | $6.4M | +$7.1M |
| Q1 2026 | $3.4M | +125% |
| Q4 2025 | $3.3M | +39% |
| Q3 2025 | $6.2M | +87% |
| Q2 2025 | -$632K | -113% |
| Q1 2025 | $1.5M | -83% |
| Q4 2024 | $2.4M | -30% |
CZWI has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
CZWI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -10K shares |
| 1 year | -2.9% | -284K shares |
| 3 years | -8% | -833K shares |
| 5 years | -11% | -1.3M shares |
| Available history | -13% | -1.5M shares |
CZWI has 10M diluted shares, down 2.9% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.5M |
| Q4 2025 | $4M |
| Q3 2025 | $2M |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | $1.4M |
| Q3 2024 | $2.9M |
| Q2 2024 | $1.2M |
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over CZWI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
CZWI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.2x | Net Cash |
| Q2 2026 | -4.0x | Net Cash |
| Q1 2026 | -4.7x | Net Cash |
| Q4 2025 | -3.3x | Net Cash |
| Q3 2025 | -1.9x | Net Cash |
| Q2 2025 | -0.3x | Net Cash |
| Q1 2025 | -2.0x | Net Cash |
| Q4 2024 | 0.6x | Very low |
CZWI has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CZWI.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over CZWI on leverage, with a lower net debt burden relative to earnings.
CZWI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 66.1 | Neutral |
| Stochastic | 78.7 | Neutral |
CZWI's weekly RSI is 66 (neutral) and its Stochastic is 79 (neutral).
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
CZWI PE vs Financial Services Sector
| Metric | CZWI | Sector median | Relative |
|---|---|---|---|
| PE | 16x | 13x | 20% above |
| PE % | 92 | 63 | 29 pts above |
CZWI is trading at 16x earnings, a 20% premium to the Financial Services sector's median of 13x.
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS has the edge over CZWI on valuation relative to its sector.
CZWI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $22.1 | 6.2% above |
| 20 week MA | $22.1 | 6.1% above |
| 50 week MA | $20.5 | 14% above |
| 100 week MA | $17.9 | 31% above |
| 200 week MA | $14.7 | 59% above |
CZWI has the edge over GS on trend strength, trading above more of its moving averages.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
CZWI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $12.3 | $11.0 | -10% |
| 2021 | $11.0 | $13.8 | +25% |
| 2022 | $13.8 | $11.8 | -14% |
| 2023 | $11.8 | $11.7 | -0.4% |
| 2024 | $11.7 | $16.5 | +41% |
| 2025 | $16.5 | $18.0 | +8.9% |
| 2026 YTD | $18.0 | $23.4 | +31% |
CZWI has the edge over GS on returns for 2026, with the stronger performance.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.