Citizens Community Bancorp (CZWI) Competitors $15.81 -0.16 (-1.00%) Closing price 08/14/2025 04:00 PM EasternExtended Trading$15.81 0.00 (-0.01%) As of 08/14/2025 05:38 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more. Add Compare Share Share Competitors Stock AnalysisChartCompetitorsDividendEarningsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrendsBuy This Stock CZWI vs. SMBC, XYF, SPFI, SMBK, LDI, FUFU, MPB, ALRS, CBNK, and SHBIShould you be buying Citizens Community Bancorp stock or one of its competitors? The main competitors of Citizens Community Bancorp include Southern Missouri Bancorp (SMBC), X Financial (XYF), South Plains Financial (SPFI), SmartFinancial (SMBK), loanDepot (LDI), BitFuFu (FUFU), Mid Penn Bancorp (MPB), Alerus Financial (ALRS), Capital Bancorp (CBNK), and Shore Bancshares (SHBI). These companies are all part of the "banking" industry. Citizens Community Bancorp vs. Its Competitors Southern Missouri Bancorp X Financial South Plains Financial SmartFinancial loanDepot BitFuFu Mid Penn Bancorp Alerus Financial Capital Bancorp Shore Bancshares Citizens Community Bancorp (NASDAQ:CZWI) and Southern Missouri Bancorp (NASDAQ:SMBC) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their dividends, profitability, valuation, institutional ownership, risk, earnings, media sentiment and analyst recommendations. Is CZWI or SMBC a better dividend stock? Citizens Community Bancorp pays an annual dividend of $0.36 per share and has a dividend yield of 2.3%. Southern Missouri Bancorp pays an annual dividend of $0.92 per share and has a dividend yield of 1.7%. Citizens Community Bancorp pays out 29.0% of its earnings in the form of a dividend. Southern Missouri Bancorp pays out 17.8% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Citizens Community Bancorp has raised its dividend for 6 consecutive years and Southern Missouri Bancorp has raised its dividend for 13 consecutive years. Which has better earnings & valuation, CZWI or SMBC? Southern Missouri Bancorp has higher revenue and earnings than Citizens Community Bancorp. Southern Missouri Bancorp is trading at a lower price-to-earnings ratio than Citizens Community Bancorp, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioCitizens Community Bancorp$99.72M1.56$13.75M$1.2412.75Southern Missouri Bancorp$305.35M2.04$58.58M$5.1810.67 Is CZWI or SMBC more profitable? Southern Missouri Bancorp has a net margin of 19.17% compared to Citizens Community Bancorp's net margin of 12.65%. Southern Missouri Bancorp's return on equity of 11.35% beat Citizens Community Bancorp's return on equity.Company Net Margins Return on Equity Return on Assets Citizens Community Bancorp12.65% 6.89% 0.71% Southern Missouri Bancorp 19.17%11.35%1.20% Do institutionals & insiders have more ownership in CZWI or SMBC? 55.1% of Citizens Community Bancorp shares are held by institutional investors. Comparatively, 49.5% of Southern Missouri Bancorp shares are held by institutional investors. 3.9% of Citizens Community Bancorp shares are held by insiders. Comparatively, 16.6% of Southern Missouri Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth. Does the media refer more to CZWI or SMBC? In the previous week, Citizens Community Bancorp had 2 more articles in the media than Southern Missouri Bancorp. MarketBeat recorded 3 mentions for Citizens Community Bancorp and 1 mentions for Southern Missouri Bancorp. Southern Missouri Bancorp's average media sentiment score of 1.87 beat Citizens Community Bancorp's score of 1.66 indicating that Southern Missouri Bancorp is being referred to more favorably in the news media. Company Overall Sentiment Citizens Community Bancorp Very Positive Southern Missouri Bancorp Very Positive Which has more volatility and risk, CZWI or SMBC? Citizens Community Bancorp has a beta of 0.74, indicating that its stock price is 26% less volatile than the S&P 500. Comparatively, Southern Missouri Bancorp has a beta of 1.03, indicating that its stock price is 3% more volatile than the S&P 500. Do analysts prefer CZWI or SMBC? Southern Missouri Bancorp has a consensus target price of $64.67, suggesting a potential upside of 17.02%. Given Southern Missouri Bancorp's stronger consensus rating and higher probable upside, analysts clearly believe Southern Missouri Bancorp is more favorable than Citizens Community Bancorp.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Citizens Community Bancorp 0 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 0.00Southern Missouri Bancorp 0 Sell rating(s) 1 Hold rating(s) 2 Buy rating(s) 0 Strong Buy rating(s) 2.67 SummarySouthern Missouri Bancorp beats Citizens Community Bancorp on 15 of the 19 factors compared between the two stocks. Get Citizens Community Bancorp News Delivered to You Automatically Sign up to receive the latest news and ratings for CZWI and its competitors with MarketBeat's FREE daily newsletter. Email Address New MarketBeat Followers Over TimeWhat are MarkeBeat Followers?This chart shows the number of new MarketBeat users adding CZWI and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period. Skip ChartMedia Sentiment Over TimeWhat is Media Sentiment?This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.Skip Chart CZWI vs. The Competition Export to ExcelMetricCitizens Community BancorpFIN IndustryFinance SectorNASDAQ ExchangeMarket Cap$157.63M$629.06M$12.42B$9.84BDividend Yield2.25%3.33%5.54%4.07%P/E Ratio12.7510.2919.6925.74Price / Sales1.561.7925.80115.79Price / Cash8.9515.1021.7659.48Price / Book0.850.992.296.15Net Income$13.75M$36.34M$1.00B$265.06M7 Day Performance5.26%2.86%1.75%2.60%1 Month Performance6.54%1.50%2.42%2.83%1 Year Performance23.61%9.06%542.40%25.58% Citizens Community Bancorp Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)CZWICitizens Community Bancorp4.7022 of 5 stars$15.81-1.0%N/A+25.7%$157.63M$99.72M12.75220Positive NewsSMBCSouthern Missouri Bancorp4.357 of 5 stars$53.01+1.0%$64.67+22.0%+7.1%$592.91M$305.35M10.23540Positive NewsXYFX Financial1.5108 of 5 stars$13.76-3.0%N/A+233.2%$592.44M$804.43M2.87420Upcoming EarningsSPFISouth Plains Financial4.4194 of 5 stars$36.84+2.3%$44.67+21.2%+27.7%$584.36M$288.97M11.51680SMBKSmartFinancial2.8184 of 5 stars$33.69+1.3%$38.25+13.5%+33.3%$573.40M$187.06M15.74550LDIloanDepot0.5653 of 5 stars$1.80+6.8%$2.05+14.2%-21.9%$554.25M$1.06B-3.994,900Short Interest ↑FUFUBitFuFu3.5609 of 5 stars$3.49+4.2%$6.60+89.2%-20.6%$549.91M$463.33M174.5929News CoverageAnalyst ForecastShort Interest ↓MPBMid Penn Bancorp4.3931 of 5 stars$26.76-1.3%$34.50+28.9%+8.9%$524.74M$182.08M11.20620ALRSAlerus Financial4.8129 of 5 stars$20.97+2.6%$25.63+22.2%+5.5%$518.47M$336.51M12.41840CBNKCapital Bancorp4.6523 of 5 stars$31.22+1.0%$37.00+18.5%+41.3%$514.87M$216.42M11.69270Positive NewsDividend IncreaseSHBIShore Bancshares4.4065 of 5 stars$15.41+1.1%$20.00+29.8%+25.8%$508.62M$326.48M9.57450Positive News Related Companies and Tools Related Companies SMBC Alternatives XYF Alternatives SPFI Alternatives SMBK Alternatives LDI Alternatives FUFU Alternatives MPB Alternatives ALRS Alternatives CBNK Alternatives SHBI Alternatives Top 10 Stock Comparisons Semiconductor Stocks Artificial Intelligence Stocks Growth Stocks Magnificent Seven Stocks Pharmaceutical Stocks Ecommerce Stocks Bitcoin Stocks Meme Stocks Cryptocurrency Stocks Cybersecurity Stocks This page (NASDAQ:CZWI) was last updated on 8/15/2025 by MarketBeat.com Staff From Our PartnersTrump’s national nightmare is herePorter Stansberry and Jeff Brown say a new U.S. national emergency is already underway — and it could trigger ...Porter & Company | SponsoredAlex’s “Next Magnificent Seven” stocksThe original “Magnificent Seven” turned $7K into $1.18 million. 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