PE ratio relative to earnings growth — is the valuation justified?
3.14
PEG Ratio
PEG ratio is generally unreliable for Financial Services companies — earnings are driven by interest margins and provisions
PEG ratio is generally unreliable for Financial Services companies
3.14
Growth Rate Source
Good Data Quality5-Year EPS CAGR
Current Price
$20.87
TTM EPS
$1.31
P/E Ratio
15.93
Growth Rate
5.1%
5-Year EPS CAGR
Sector
Financial Services
Banks - Regional
Calculated
8/28/2026
10:56:07 AM
Peer Comparison
Sample Size
3 peers
Industry Median PEG
1.90
25th Percentile
1.78
75th Percentile
3.19
CZWI PEG (3.14) vs Industry Median (1.90): 65% premium
Symbol
Company
PEG
P/E
Growth
vs CZWI
CIVB
CIVISTA BANCSHARES, INC.
1.78
10.2
5.7%
-43%
BSRR
SIERRA BANCORP
1.90
11.7
6.1%
-40%
CWBC
Community West Bancshares
3.19
14.1
4.4%
+2%
How to Interpret PEG Ratio
PEG < 1.0 — Potentially Undervalued. The stock may be priced below its earnings growth rate, suggesting a potential buying opportunity.
PEG 1.0–2.0 — Fairly Valued. The stock price is roughly in line with its earnings growth. A PEG of 1.0 is often considered "fair value."
PEG > 2.0 — Potentially Overvalued. The stock may be priced above what its earnings growth justifies.
Limitations:PEG ratios are less reliable for financial firms (earnings driven by interest margins), companies with negative/zero earnings growth, and hypergrowth companies (>100% growth) where the ratio may appear misleadingly low. Always use PEG alongside other valuation metrics.
