Crazy Woman Creek Bancorp Incorporated (CRZY)
For informational purposes only. Not financial advice. Analysis by Sedat Aydin, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Crazy Woman Creek Bancorp Incorporated (CRZY) with AI Score 56/100 (Hold). Crazy Woman Creek Bancorp Incorporated, established in 1936, operates as the holding company for Buffalo Federal Bank, offering a range of banking services in North-Central Wyoming. Market cap: 0, Sector: Financial services.
Last analyzed: Mar 16, 2026Crazy Woman Creek Bancorp Incorporated (CRZY) Financial Services Profile
Crazy Woman Creek Bancorp Incorporated, the holding company for Buffalo Federal Bank, provides banking products and services to individuals and businesses in North-Central Wyoming. With a history dating back to 1936, the company focuses on personal, consumer, and commercial lending, operating through branch offices and online platforms in a competitive regional banking landscape.
Investment Thesis
Crazy Woman Creek Bancorp Incorporated presents a compelling investment case based on its established presence in the North-Central Wyoming banking sector and its focus on community banking. With a P/E ratio of 8.44 and a profit margin of 16.0%, the company demonstrates solid profitability. The dividend yield of 1.12% provides a steady income stream for investors. Key growth catalysts include expanding its online and mobile banking services to reach a broader customer base and increasing commercial lending activities in the growing Wyoming economy. However, potential risks include competition from larger regional and national banks and the impact of fluctuating interest rates on lending profitability. The company's beta of -0.03 suggests low volatility compared to the overall market.
Based on FMP financials and quantitative analysis
Key Highlights
- Market capitalization of $0.02 billion, reflecting its position as a community bank.
- P/E ratio of 8.44, indicating a potentially undervalued stock compared to its earnings.
- Profit margin of 16.0%, showcasing efficient operations and profitability.
- Gross margin of 68.4%, highlighting the bank's ability to generate revenue from its services.
- Dividend yield of 1.12%, providing a steady income stream for investors.
Competitors & Peers
Strengths
- Strong local presence in North-Central Wyoming.
- Established relationships with customers.
- Experienced management team.
- Focus on community banking.
Weaknesses
- Limited geographic diversification.
- Smaller size compared to larger regional and national banks.
- Dependence on the local economy.
- Limited resources for technology investments.
Catalysts
- Ongoing: Expansion of online and mobile banking services to attract new customers.
- Ongoing: Focus on increasing commercial lending activities in North-Central Wyoming.
- Upcoming: Potential strategic partnerships with local businesses to expand customer base.
- Upcoming: Development of specialized loan products tailored to specific industries.
- Ongoing: Community engagement and brand building to enhance reputation.
Risks
- Potential: Competition from larger regional and national banks with greater resources.
- Potential: Fluctuations in interest rates impacting lending profitability.
- Potential: Economic downturn in Wyoming affecting loan performance.
- Potential: Increased regulatory scrutiny and compliance costs.
- Ongoing: Limited geographic diversification exposes the bank to regional economic risks.
Growth Opportunities
- Expansion of Online and Mobile Banking Services: Investing in and expanding online and mobile banking platforms can significantly increase Crazy Woman Creek Bancorp's reach beyond its physical branch locations. This expansion can attract younger, tech-savvy customers and provide greater convenience to existing customers. The market for digital banking is growing rapidly, with projections estimating a substantial increase in mobile banking users over the next five years. This initiative allows the bank to compete more effectively with larger regional and national banks that have already invested heavily in digital banking technologies.
- Increase Commercial Lending Activities: Focusing on expanding commercial lending activities in North-Central Wyoming can drive revenue growth for Crazy Woman Creek Bancorp. The Wyoming economy is experiencing growth in sectors such as energy, tourism, and agriculture, creating opportunities for increased business lending. By providing tailored financing solutions to local businesses, the bank can strengthen its relationships with the community and support economic development. The market for commercial loans in Wyoming is estimated to be substantial, offering significant growth potential for the bank.
- Strategic Partnerships with Local Businesses: Forming strategic partnerships with local businesses can create new opportunities for Crazy Woman Creek Bancorp to expand its customer base and offer value-added services. These partnerships can include offering preferred banking services to employees of partner businesses, co-marketing initiatives, and joint community events. By aligning itself with other successful businesses in the region, the bank can enhance its brand reputation and attract new customers. The potential for revenue generation through these partnerships is significant, as it allows the bank to tap into new customer segments and cross-sell its products and services.
- Development of Specialized Loan Products: Creating specialized loan products tailored to specific industries in North-Central Wyoming, such as agriculture, tourism, or energy, can differentiate Crazy Woman Creek Bancorp from its competitors. These specialized loan products can address the unique financing needs of businesses in these sectors and provide the bank with a competitive advantage. By becoming a go-to lender for specific industries, the bank can attract new customers and increase its market share. The market for specialized loan products is growing, as businesses increasingly seek financing solutions that are tailored to their specific needs.
- Community Engagement and Brand Building: Increasing community engagement through sponsorships, charitable donations, and volunteer activities can enhance Crazy Woman Creek Bancorp's brand reputation and build stronger relationships with the local community. By actively participating in community events and supporting local causes, the bank can demonstrate its commitment to the region and attract new customers who value community involvement. A strong brand reputation can also help the bank attract and retain talented employees. The benefits of community engagement are long-term and can contribute to the bank's sustainable growth and success.
Opportunities
- Expansion of online and mobile banking services.
- Increased commercial lending activities.
- Strategic partnerships with local businesses.
- Development of specialized loan products.
Threats
- Competition from larger regional and national banks.
- Fluctuating interest rates.
- Economic downturn in Wyoming.
- Increased regulatory scrutiny.
Competitive Advantages
- Strong local brand recognition in North-Central Wyoming.
- Established relationships with customers in the region.
- Deep understanding of the local economy and market conditions.
- Personalized customer service and community involvement.
About CRZY
Founded in 1936 and headquartered in Buffalo, Wyoming, Crazy Woman Creek Bancorp Incorporated serves as the holding company for Buffalo Federal Bank. The bank provides a comprehensive suite of banking products and services tailored to individuals, families, and businesses in North-Central Wyoming. Its offerings include a variety of deposit accounts such as checking, money market, and savings accounts, including specialized options like student checking and individual retirement accounts. Buffalo Federal Bank also provides business banking services, certificates of deposit, and debit and credit cards. The bank distinguishes itself through its commitment to local communities, offering personalized financial solutions and fostering long-term relationships with its customers. Crazy Woman Creek Bancorp operates branch offices under the name ‘The Bank’ in Buffalo, Gillette, and Sheridan, Wyoming, and also provides online and mobile banking services, extending its reach and convenience to customers throughout the region. The company's focus on relationship banking and community involvement has been central to its growth and stability over the decades.
What They Do
- Provides checking, savings, and money market accounts to individuals and businesses.
- Offers personal, consumer, and commercial loans.
- Provides real estate lending, including residential and commercial mortgages.
- Offers online and mobile banking services.
- Issues debit and credit cards.
- Provides SBA lending and equipment financing.
- Offers certificates of deposit accounts.
Business Model
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other banking services.
- Manages risk through careful underwriting and diversification of its loan portfolio.
- Focuses on building long-term relationships with customers in North-Central Wyoming.
Industry Context
Crazy Woman Creek Bancorp Incorporated operates within the regional banking sector, which is characterized by increasing competition from larger national banks and fintech companies. The industry is also subject to stringent regulatory requirements and fluctuating interest rates. Despite these challenges, community banks like Crazy Woman Creek Bancorp play a vital role in supporting local economies by providing personalized financial services and fostering long-term relationships with customers. The trend towards digital banking is reshaping the industry, requiring banks to invest in technology to remain competitive.
Key Customers
- Individuals and families in North-Central Wyoming.
- Small and medium-sized businesses in the region.
- Real estate developers and investors.
- Agricultural businesses.
Financials
Chart & Info
Crazy Woman Creek Bancorp Incorporated (CRZY) stock price: Price data unavailable
Latest News
No recent news available for CRZY.
Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CRZY.
Price Targets
Wall Street price target analysis for CRZY.
MoonshotScore
What does this score mean?
The MoonshotScore rates CRZY's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Paul Brunkhorst
CEO
Paul Brunkhorst serves as the CEO of Crazy Woman Creek Bancorp Incorporated. His background includes extensive experience in the banking industry, with a focus on community banking and financial management. He has held various leadership positions within the company, contributing to its strategic direction and growth. His expertise encompasses lending, operations, and customer relationship management. Brunkhorst is committed to serving the financial needs of the North-Central Wyoming community and fostering a culture of excellence within the bank.
Track Record: Under Paul Brunkhorst's leadership, Crazy Woman Creek Bancorp has maintained a strong focus on community banking and customer service. He has overseen the expansion of the bank's online and mobile banking services, enhancing its accessibility and convenience for customers. Brunkhorst has also played a key role in managing the bank's loan portfolio and ensuring its financial stability. His strategic decisions have contributed to the bank's profitability and growth in a competitive market.
CRZY OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Crazy Woman Creek Bancorp Incorporated may not meet the minimum financial standards or disclosure requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial reporting and may not be subject to the same level of regulatory oversight as companies listed on major exchanges like the NYSE or NASDAQ. Investing in companies on the OTC Other tier carries a higher degree of risk due to the potential for limited information and liquidity.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure and transparency.
- Lower liquidity and trading volume.
- Potential for wider bid-ask spreads.
- Higher risk of fraud or manipulation.
- Limited regulatory oversight.
- Verify the company's registration and regulatory filings.
- Review available financial statements and disclosures.
- Assess the company's business model and competitive landscape.
- Evaluate the management team's experience and track record.
- Check for any legal or regulatory issues.
- Monitor trading volume and price activity.
- Consult with a qualified financial advisor.
- Longevity of operations since 1936.
- Membership in banking industry associations.
- Positive customer reviews and testimonials.
- Active community involvement and sponsorships.
Common Questions About CRZY
What does Crazy Woman Creek Bancorp Incorporated do?
Crazy Woman Creek Bancorp Incorporated operates as the holding company for Buffalo Federal Bank, providing a range of banking products and services to individuals, families, and businesses in North-Central Wyoming. These services include checking and savings accounts, various loan products (personal, consumer, commercial, and real estate), and online/mobile banking. The bank focuses on building relationships within its community through its branch offices and digital platforms, offering personalized financial solutions tailored to the local market.
What do analysts say about CRZY stock?
As of 2026-03-16, formal analyst ratings for Crazy Woman Creek Bancorp Incorporated (CRZY) are not widely available, likely due to its OTC listing and smaller market capitalization. Investors should focus on fundamental analysis, monitoring financial metrics such as P/E ratio (8.44), profit margin (16.0%), and dividend yield (1.12%). Growth considerations include the bank's ability to expand its digital services and increase commercial lending in the Wyoming market. Due to the limited analyst coverage, investors should conduct their own thorough due diligence.
What are the main risks for CRZY?
Crazy Woman Creek Bancorp faces several risks inherent to regional banking and its OTC listing. Competition from larger, better-capitalized banks poses a constant threat. Economic downturns in Wyoming could significantly impact loan performance. Interest rate fluctuations can affect profitability. As an OTC-listed company, CRZY faces risks related to limited liquidity, disclosure, and regulatory oversight. Investors should carefully consider these factors before investing.
What are the key factors to evaluate for CRZY?
Crazy Woman Creek Bancorp Incorporated (CRZY) currently holds an AI score of 56/100, indicating moderate score. Key strength: Strong local presence in North-Central Wyoming.. Primary risk to monitor: Potential: Competition from larger regional and national banks with greater resources.. This is not financial advice.
How frequently does CRZY data refresh on this page?
CRZY prices update in real time during U.S. market hours (9:30 AM-4:00 PM ET, weekdays). Fundamentals refresh after quarterly or annual filings. Analyst ratings and AI insights update daily. News is aggregated continuously from financial sources.
What has driven CRZY's recent stock price performance?
Recent price movement in Crazy Woman Creek Bancorp Incorporated (CRZY) can be influenced by earnings results, analyst revisions, sector rotation, and broader market sentiment. Notable catalyst: Strong local presence in North-Central Wyoming.. Check the News and Technical Analysis tabs for the latest drivers. Past performance does not predict future results.
Should investors consider CRZY overvalued or undervalued right now?
Determining whether Crazy Woman Creek Bancorp Incorporated (CRZY) is overvalued or undervalued requires examining multiple metrics. Compare valuation ratios (P/E, P/S, EV/EBITDA) against sector peers for a comprehensive view.
What research should beginners do before buying CRZY?
Before investing in Crazy Woman Creek Bancorp Incorporated (CRZY), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- OTC data may be less reliable than exchange-listed data.
- AI analysis pending may reveal further insights.