CZWI
Citizens Community Bancorp, Inc.
CZWI trails on the overall score without a compensating advantage in the available component scores.
MS
Morgan Stanley
MS has the edge over CZWI overall, supported by stronger valuation and stronger modeled upside.
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.
MS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
MS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MS.
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.
MS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $134 | -29% |
| Fair | 14x | $178 | -5.7% |
| Forward | 14x | $189 | — |
| Current | 15x | $189 | — |
| Expensive | 18x | $223 | +18% |
Historical ranges are pointers, not guarantees.
MS 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.
MS Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for MS, with profitability improving.
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.
MS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.39 | +6.3% |
| Q3 2026 | $12.60 | +29% |
| Q2 2026 | $12.37 | +40% |
| Q1 2026 | $11.04 | +29% |
| Q4 2025 | $10.21 | +28% |
| Q3 2025 | $9.76 | +48% |
| Q2 2025 | $8.84 | +45% |
| Q1 2025 | $8.53 | +55% |
| Q4 2024 | $7.95 | +53% |
MS 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 MS on profitability, with a higher operating margin.
MS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $20.3B | +12% |
| Q2 2026 | $21.3B | +27% |
| Q1 2026 | $20.6B | +16% |
| Q4 2025 | $17.9B | +10% |
| Q3 2025 | $18.2B | +18% |
| Q2 2025 | $16.8B | +12% |
| Q1 2025 | $17.7B | +17% |
| Q4 2024 | $16.2B | +26% |
MS has the edge over CZWI on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 32% | -1.2 points |
| Q2 2026 | 34% | +6.9 points |
| Q1 2026 | 34% | +2.8 points |
| Q4 2025 | 32% | +2 points |
| Q3 2025 | 33% | +5.6 points |
| Q2 2025 | 28% | +0.4 points |
| Q1 2025 | 31% | +2.2 points |
| Q4 2024 | 30% | +14 points |
MS's operating margin was 32% last quarter, down 1.2 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 MS on cash generation, producing positive trailing cash flow while its opponent burns cash.
MS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$46B | -$42.7B |
| Q2 2026 | -$2.7B | -123% |
| Q1 2026 | -$7.1B | +$16.9B |
| Q4 2025 | -$2.4B | -120% |
| Q3 2025 | -$3.3B | +$14B |
| Q2 2025 | $11.8B | +368% |
| Q1 2025 | -$24B | -650% |
| Q4 2024 | $11.8B | +$29.6B |
MS's free cash flow was −$58.3B over the past year, against −$3.7B the year before. Free cash flow isn't a meaningful measure for financial services companies like MS.
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 the edge over MS on shareholder dilution, with a more favorable share count trend.
| 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 |
MS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -3M shares |
| 1 year | -1.5% | -24M shares |
| 3 years | -4.7% | -77M shares |
| 5 years | -14% | -246M shares |
| Available history | -4.5% | -74M shares |
MS has 1.6B diluted shares, down 1.5% from a year ago.
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 the edge over MS on leverage, with a lower net debt burden relative to earnings.
MS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 7.8x | High |
| Q2 2026 | 7.3x | High |
| Q1 2026 | 8.2x | High |
| Q4 2025 | 8.6x | High |
| Q3 2025 | 8.4x | High |
| Q2 2025 | 8.7x | High |
| Q1 2025 | 8.7x | High |
| Q4 2024 | 7.9x | High |
MS's net debt is about 7.8 years of its operating earnings (EBITDA), down from 8.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like MS.
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).
MS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.0 | Neutral |
| Stochastic | 18.7 | Oversold |
MS's weekly RSI is 45 (neutral) and its Stochastic is 19 (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.
MS PE vs Financial Services Sector
| Metric | MS | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 15% above |
| PE % | 59 | 63 | 4 pts below |
MS 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 MS on trend strength, trading above more of its moving averages.
MS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $186.5 | 1.5% above |
| 20 week MA | $203.3 | 6.9% below |
| 50 week MA | $191.9 | 1.4% below |
| 100 week MA | $164.9 | 15% above |
| 200 week MA | $129.3 | 46% above |
MS's trend is mixed: it's above three of its five weekly moving averages, and 46% 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 MS on returns for 2026, with the stronger performance.
MS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $51.1 | $68.1 | +33% |
| 2021 | $68.1 | $99.3 | +46% |
| 2022 | $99.3 | $86.1 | -13% |
| 2023 | $86.1 | $93.3 | +8.3% |
| 2024 | $93.3 | $126.8 | +36% |
| 2025 | $126.8 | $181.9 | +43% |
| 2026 YTD | $181.9 | $189.2 | +4% |
MS has finished higher in five of the last six years. It's up 4% so far in 2026.