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Citizens Community Bancorp (CZWI) Competitors

Citizens Community Bancorp logo
$21.10 -0.31 (-1.45%)
Closing price 04:00 PM Eastern
Extended Trading
$21.16 +0.05 (+0.26%)
As of 04:38 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 Massive. Learn more.

CZWI vs. ORRF, ALRS, SPFI, IBCP, and SMBC

Should you buy Citizens Community Bancorp stock or one of its competitors? Citizens Community Bancorp's main competitors and comparable companies include Orrstown Financial Services (ORRF), Alerus Financial (ALRS), South Plains Financial (SPFI), Independent Bank (IBCP), and Southern Missouri Bancorp (SMBC). Companies are selected based on similarities in market, industry, and size. These companies are all part of the "regional banks" industry.

How does Citizens Community Bancorp compare to Orrstown Financial Services?

Orrstown Financial Services (NASDAQ:ORRF) and Citizens Community Bancorp (NASDAQ:CZWI) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their profitability, dividends, risk, institutional ownership, valuation, analyst recommendations, earnings and media sentiment.

Orrstown Financial Services has a beta of 0.69, suggesting that its share price is 31% less volatile than the broader market. Comparatively, Citizens Community Bancorp has a beta of 0.5, suggesting that its share price is 50% less volatile than the broader market.

Orrstown Financial Services pays an annual dividend of $1.20 per share and has a dividend yield of 2.9%. Citizens Community Bancorp pays an annual dividend of $0.42 per share and has a dividend yield of 2.0%. Orrstown Financial Services pays out 27.0% of its earnings in the form of a dividend. Citizens Community Bancorp pays out 32.1% 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. Orrstown Financial Services has increased its dividend for 10 consecutive years and Citizens Community Bancorp has increased its dividend for 6 consecutive years. Orrstown Financial Services is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

In the previous week, Orrstown Financial Services and Orrstown Financial Services both had 3 articles in the media. Citizens Community Bancorp's average media sentiment score of 0.67 beat Orrstown Financial Services' score of 0.58 indicating that Citizens Community Bancorp is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Orrstown Financial Services
1 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Citizens Community Bancorp
1 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

44.3% of Orrstown Financial Services shares are owned by institutional investors. Comparatively, 55.1% of Citizens Community Bancorp shares are owned by institutional investors. 4.3% of Orrstown Financial Services shares are owned by company insiders. Comparatively, 4.1% of Citizens Community Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Orrstown Financial Services presently has a consensus price target of $44.33, suggesting a potential upside of 8.39%. Citizens Community Bancorp has a consensus price target of $23.50, suggesting a potential upside of 11.37%. Given Citizens Community Bancorp's higher possible upside, analysts clearly believe Citizens Community Bancorp is more favorable than Orrstown Financial Services.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Orrstown Financial Services
0 Sell rating(s)
2 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.60
Citizens Community Bancorp
0 Sell rating(s)
4 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.20

Orrstown Financial Services has higher revenue and earnings than Citizens Community Bancorp. Orrstown Financial Services 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 Ratio
Orrstown Financial Services$356.05M2.26$80.86M$4.459.19
Citizens Community Bancorp$98.77M2.06$14.42M$1.3116.11

Orrstown Financial Services has a net margin of 24.00% compared to Citizens Community Bancorp's net margin of 12.94%. Orrstown Financial Services' return on equity of 14.46% beat Citizens Community Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Orrstown Financial Services24.00% 14.46% 1.56%
Citizens Community Bancorp 12.94%6.77%0.72%

Summary

Orrstown Financial Services beats Citizens Community Bancorp on 14 of the 18 factors compared between the two stocks.

How does Citizens Community Bancorp compare to Alerus Financial?

Citizens Community Bancorp (NASDAQ:CZWI) and Alerus Financial (NASDAQ:ALRS) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their dividends, risk, earnings, valuation, media sentiment, analyst recommendations, institutional ownership and profitability.

Citizens Community Bancorp currently has a consensus target price of $23.50, suggesting a potential upside of 11.37%. Alerus Financial has a consensus target price of $35.75, suggesting a potential upside of 15.06%. Given Alerus Financial's stronger consensus rating and higher probable upside, analysts clearly believe Alerus Financial 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)
4 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.20
Alerus Financial
0 Sell rating(s)
4 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.43

Alerus Financial has higher revenue and earnings than Citizens Community Bancorp. Citizens Community Bancorp is trading at a lower price-to-earnings ratio than Alerus Financial, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Citizens Community Bancorp$98.77M2.06$14.42M$1.3116.11
Alerus Financial$399.92M1.94$17.44M$1.0629.31

55.1% of Citizens Community Bancorp shares are owned by institutional investors. Comparatively, 51.3% of Alerus Financial shares are owned by institutional investors. 4.1% of Citizens Community Bancorp shares are owned by insiders. Comparatively, 4.3% of Alerus Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Citizens Community Bancorp pays an annual dividend of $0.42 per share and has a dividend yield of 2.0%. Alerus Financial pays an annual dividend of $0.88 per share and has a dividend yield of 2.8%. Citizens Community Bancorp pays out 32.1% of its earnings in the form of a dividend. Alerus Financial pays out 83.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Citizens Community Bancorp has raised its dividend for 6 consecutive years and Alerus Financial has raised its dividend for 25 consecutive years. Alerus Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Citizens Community Bancorp has a net margin of 12.94% compared to Alerus Financial's net margin of 6.87%. Alerus Financial's return on equity of 14.41% beat Citizens Community Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens Community Bancorp12.94% 6.77% 0.72%
Alerus Financial 6.87%14.41%1.55%

Citizens Community Bancorp has a beta of 0.5, meaning that its stock price is 50% less volatile than the broader market. Comparatively, Alerus Financial has a beta of 0.69, meaning that its stock price is 31% less volatile than the broader market.

In the previous week, Citizens Community Bancorp had 1 more articles in the media than Alerus Financial. MarketBeat recorded 3 mentions for Citizens Community Bancorp and 2 mentions for Alerus Financial. Citizens Community Bancorp's average media sentiment score of 0.67 beat Alerus Financial's score of 0.23 indicating that Citizens Community Bancorp is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Citizens Community Bancorp
1 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Alerus Financial
0 Very Positive mention(s)
1 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

Summary

Alerus Financial beats Citizens Community Bancorp on 12 of the 19 factors compared between the two stocks.

How does Citizens Community Bancorp compare to South Plains Financial?

Citizens Community Bancorp (NASDAQ:CZWI) and South Plains Financial (NASDAQ:SPFI) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their profitability, media sentiment, valuation, dividends, institutional ownership, earnings, risk and analyst recommendations.

South Plains Financial has higher revenue and earnings than Citizens Community Bancorp. South Plains Financial 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 Ratio
Citizens Community Bancorp$98.77M2.06$14.42M$1.3116.11
South Plains Financial$296.89M2.69$58.47M$3.6711.53

55.1% of Citizens Community Bancorp shares are owned by institutional investors. Comparatively, 55.0% of South Plains Financial shares are owned by institutional investors. 4.1% of Citizens Community Bancorp shares are owned by company insiders. Comparatively, 24.3% of South Plains Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Citizens Community Bancorp presently has a consensus target price of $23.50, suggesting a potential upside of 11.37%. South Plains Financial has a consensus target price of $49.60, suggesting a potential upside of 17.20%. Given South Plains Financial's stronger consensus rating and higher probable upside, analysts plainly believe South Plains Financial 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)
4 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.20
South Plains Financial
0 Sell rating(s)
1 Hold rating(s)
6 Buy rating(s)
0 Strong Buy rating(s)
2.86

South Plains Financial has a net margin of 20.79% compared to Citizens Community Bancorp's net margin of 12.94%. South Plains Financial's return on equity of 12.36% beat Citizens Community Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens Community Bancorp12.94% 6.77% 0.72%
South Plains Financial 20.79%12.36%1.37%

Citizens Community Bancorp pays an annual dividend of $0.42 per share and has a dividend yield of 2.0%. South Plains Financial pays an annual dividend of $0.72 per share and has a dividend yield of 1.7%. Citizens Community Bancorp pays out 32.1% of its earnings in the form of a dividend. South Plains Financial pays out 19.6% 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 increased its dividend for 6 consecutive years and South Plains Financial has increased its dividend for 5 consecutive years. Citizens Community Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

In the previous week, South Plains Financial had 1 more articles in the media than Citizens Community Bancorp. MarketBeat recorded 4 mentions for South Plains Financial and 3 mentions for Citizens Community Bancorp. South Plains Financial's average media sentiment score of 0.70 beat Citizens Community Bancorp's score of 0.67 indicating that South Plains Financial is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Citizens Community Bancorp
1 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
South Plains Financial
2 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Citizens Community Bancorp has a beta of 0.5, suggesting that its share price is 50% less volatile than the broader market. Comparatively, South Plains Financial has a beta of 0.49, suggesting that its share price is 51% less volatile than the broader market.

Summary

South Plains Financial beats Citizens Community Bancorp on 14 of the 19 factors compared between the two stocks.

How does Citizens Community Bancorp compare to Independent Bank?

Independent Bank (NASDAQ:IBCP) and Citizens Community Bancorp (NASDAQ:CZWI) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their analyst recommendations, earnings, valuation, dividends, institutional ownership, media sentiment, profitability and risk.

79.4% of Independent Bank shares are owned by institutional investors. Comparatively, 55.1% of Citizens Community Bancorp shares are owned by institutional investors. 5.9% of Independent Bank shares are owned by company insiders. Comparatively, 4.1% of Citizens Community Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Independent Bank currently has a consensus target price of $39.50, indicating a potential upside of 11.68%. Citizens Community Bancorp has a consensus target price of $23.50, indicating a potential upside of 11.37%. Given Independent Bank's stronger consensus rating and higher possible upside, equities research analysts plainly believe Independent Bank is more favorable than Citizens Community Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Independent Bank
0 Sell rating(s)
2 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.60
Citizens Community Bancorp
0 Sell rating(s)
4 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.20

Independent Bank has a net margin of 22.32% compared to Citizens Community Bancorp's net margin of 12.94%. Independent Bank's return on equity of 14.12% beat Citizens Community Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Independent Bank22.32% 14.12% 1.29%
Citizens Community Bancorp 12.94%6.77%0.72%

In the previous week, Citizens Community Bancorp had 2 more articles in the media than Independent Bank. MarketBeat recorded 3 mentions for Citizens Community Bancorp and 1 mentions for Independent Bank. Citizens Community Bancorp's average media sentiment score of 0.67 beat Independent Bank's score of -0.36 indicating that Citizens Community Bancorp is being referred to more favorably in the news media.

Company Overall Sentiment
Independent Bank Neutral
Citizens Community Bancorp Positive

Independent Bank has higher revenue and earnings than Citizens Community Bancorp. Independent Bank 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 Ratio
Independent Bank$315.38M2.49$68.54M$3.4410.28
Citizens Community Bancorp$98.77M2.06$14.42M$1.3116.11

Independent Bank has a beta of 0.73, meaning that its share price is 27% less volatile than the broader market. Comparatively, Citizens Community Bancorp has a beta of 0.5, meaning that its share price is 50% less volatile than the broader market.

Independent Bank pays an annual dividend of $1.12 per share and has a dividend yield of 3.2%. Citizens Community Bancorp pays an annual dividend of $0.42 per share and has a dividend yield of 2.0%. Independent Bank pays out 32.6% of its earnings in the form of a dividend. Citizens Community Bancorp pays out 32.1% 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. Independent Bank has raised its dividend for 11 consecutive years and Citizens Community Bancorp has raised its dividend for 6 consecutive years. Independent Bank is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

Independent Bank beats Citizens Community Bancorp on 15 of the 19 factors compared between the two stocks.

How does Citizens Community Bancorp compare to Southern Missouri Bancorp?

Southern Missouri Bancorp (NASDAQ:SMBC) and Citizens Community Bancorp (NASDAQ:CZWI) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their earnings, risk, valuation, media sentiment, dividends, analyst recommendations, institutional ownership and profitability.

Southern Missouri Bancorp has a net margin of 22.63% compared to Citizens Community Bancorp's net margin of 12.94%. Southern Missouri Bancorp's return on equity of 12.59% beat Citizens Community Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Southern Missouri Bancorp22.63% 12.59% 1.41%
Citizens Community Bancorp 12.94%6.77%0.72%

49.5% of Southern Missouri Bancorp shares are held by institutional investors. Comparatively, 55.1% of Citizens Community Bancorp shares are held by institutional investors. 14.6% of Southern Missouri Bancorp shares are held by company insiders. Comparatively, 4.1% of Citizens Community Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

In the previous week, Southern Missouri Bancorp had 3 more articles in the media than Citizens Community Bancorp. MarketBeat recorded 6 mentions for Southern Missouri Bancorp and 3 mentions for Citizens Community Bancorp. Citizens Community Bancorp's average media sentiment score of 0.67 beat Southern Missouri Bancorp's score of 0.33 indicating that Citizens Community Bancorp is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Southern Missouri Bancorp
0 Very Positive mention(s)
0 Positive mention(s)
4 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral
Citizens Community Bancorp
1 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Southern Missouri Bancorp currently has a consensus target price of $81.75, suggesting a potential upside of 16.90%. Citizens Community Bancorp has a consensus target price of $23.50, suggesting a potential upside of 11.37%. Given Southern Missouri Bancorp's stronger consensus rating and higher possible upside, equities analysts plainly believe Southern Missouri Bancorp is more favorable than Citizens Community Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Southern Missouri Bancorp
0 Sell rating(s)
5 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
2.43
Citizens Community Bancorp
0 Sell rating(s)
4 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.20

Southern Missouri Bancorp pays an annual dividend of $1.08 per share and has a dividend yield of 1.5%. Citizens Community Bancorp pays an annual dividend of $0.42 per share and has a dividend yield of 2.0%. Southern Missouri Bancorp pays out 16.8% of its earnings in the form of a dividend. Citizens Community Bancorp pays out 32.1% 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. Southern Missouri Bancorp has increased its dividend for 13 consecutive years and Citizens Community Bancorp has increased its dividend for 6 consecutive years.

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 Ratio
Southern Missouri Bancorp$316.78M2.43$71.84M$6.4310.88
Citizens Community Bancorp$98.77M2.06$14.42M$1.3116.11

Southern Missouri Bancorp has a beta of 0.87, indicating that its share price is 13% less volatile than the broader market. Comparatively, Citizens Community Bancorp has a beta of 0.5, indicating that its share price is 50% less volatile than the broader market.

Summary

Southern Missouri Bancorp beats Citizens Community Bancorp on 15 of the 19 factors compared between the two stocks.

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New MarketBeat Followers Over Time

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.
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Media Sentiment Over Time

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.
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CZWI vs. The Competition

MetricCitizens Community BancorpBanks IndustryFinance SectorNASDAQ Exchange
Market Cap$206.61M$22.54B$13.37B$13.21B
Dividend Yield1.96%3.14%6.07%20.71%
P/E Ratio16.1125.6224.7226.16
Price / Sales2.068.84487.6095.24
Price / Cash11.6214.7345.1353.09
Price / Book1.081.322.716.34
Net Income$14.42M$2.60B$1.32B$381.90M
7 Day Performance-0.94%-1.16%-0.53%-1.39%
1 Month Performance-4.35%-3.06%-2.68%-4.31%
1 Year Performance33.04%20.12%10.00%-0.35%

Citizens Community Bancorp Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
CZWI
Citizens Community Bancorp
4.8673 of 5 stars
$21.10
-1.4%
$23.50
+11.4%
+34.7%$206.61M$98.77M16.11238
ORRF
Orrstown Financial Services
4.1398 of 5 stars
$41.33
-0.2%
$44.33
+7.3%
+23.0%$814.32M$356.05M9.29652
ALRS
Alerus Financial
3.7631 of 5 stars
$32.36
-0.1%
$35.75
+10.5%
+46.6%$807.53M$399.92M30.53864
SPFI
South Plains Financial
4.6541 of 5 stars
$42.76
+0.1%
$49.60
+16.0%
+11.3%$804.99M$296.89M11.65603
IBCP
Independent Bank
4.0503 of 5 stars
$35.79
-0.3%
$39.50
+10.4%
+14.8%$797.18M$315.38M10.40826

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This page (NASDAQ:CZWI) was last updated on 10/9/2026 by MarketBeat.com Staff.
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