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Citizens Community Bancorp (CZWI) Competitors

Citizens Community Bancorp logo
$21.02 +0.15 (+0.72%)
As of 08/28/2026 04:00 PM Eastern

CZWI vs. FISI, PGC, HTB, SHBI, and WASH

Should you buy Citizens Community Bancorp stock or one of its competitors? Citizens Community Bancorp's main competitors and comparable companies include Financial Institutions (FISI), Peapack-Gladstone Financial (PGC), HomeTrust Bancshares (HTB), Shore Bancshares (SHBI), and Washington Trust Bancorp (WASH). 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 Financial Institutions?

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

60.5% of Financial Institutions shares are held by institutional investors. Comparatively, 55.1% of Citizens Community Bancorp shares are held by institutional investors. 2.4% of Financial Institutions 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 large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Financial Institutions has a beta of 0.63, indicating that its stock price is 37% less volatile than the broader market. Comparatively, Citizens Community Bancorp has a beta of 0.51, indicating that its stock price is 49% less volatile than the broader market.

Financial Institutions has a net margin of 21.78% compared to Citizens Community Bancorp's net margin of 12.94%. Financial Institutions' return on equity of 13.45% beat Citizens Community Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Financial Institutions21.78% 13.45% 1.31%
Citizens Community Bancorp 12.94%6.77%0.72%

Financial Institutions has higher revenue and earnings than Citizens Community Bancorp. Financial Institutions 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
Financial Institutions$377.94M2.14$74.87M$4.0310.16
Citizens Community Bancorp$98.77M2.05$14.42M$1.3116.05

In the previous week, Financial Institutions had 6 more articles in the media than Citizens Community Bancorp. MarketBeat recorded 9 mentions for Financial Institutions and 3 mentions for Citizens Community Bancorp. Citizens Community Bancorp's average media sentiment score of 1.83 beat Financial Institutions' score of 0.85 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
Financial Institutions
3 Very Positive mention(s)
2 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Citizens Community Bancorp
2 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive

Financial Institutions presently has a consensus price target of $45.00, indicating a potential upside of 9.86%. Citizens Community Bancorp has a consensus price target of $23.50, indicating a potential upside of 11.80%. Given Citizens Community Bancorp's higher probable upside, analysts plainly believe Citizens Community Bancorp is more favorable than Financial Institutions.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Financial Institutions
0 Sell rating(s)
2 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.50
Citizens Community Bancorp
0 Sell rating(s)
4 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.20

Financial Institutions pays an annual dividend of $1.28 per share and has a dividend yield of 3.1%. Citizens Community Bancorp pays an annual dividend of $0.42 per share and has a dividend yield of 2.0%. Financial Institutions pays out 31.8% 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. Financial Institutions has raised its dividend for 1 consecutive years and Citizens Community Bancorp has raised its dividend for 6 consecutive years. Financial Institutions is clearly the better dividend stock, given its higher yield and lower payout ratio.

Summary

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

How does Citizens Community Bancorp compare to Peapack-Gladstone Financial?

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

Citizens Community Bancorp currently has a consensus price target of $23.50, indicating a potential upside of 11.80%. Peapack-Gladstone Financial has a consensus price target of $56.33, indicating a potential upside of 24.88%. Given Peapack-Gladstone Financial's stronger consensus rating and higher probable upside, analysts plainly believe Peapack-Gladstone 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
Peapack-Gladstone Financial
0 Sell rating(s)
1 Hold rating(s)
3 Buy rating(s)
1 Strong Buy rating(s)
3.00

In the previous week, Citizens Community Bancorp and Citizens Community Bancorp both had 3 articles in the media. Citizens Community Bancorp's average media sentiment score of 1.83 beat Peapack-Gladstone Financial's score of 1.31 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
2 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive
Peapack-Gladstone Financial
2 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Citizens Community Bancorp pays an annual dividend of $0.42 per share and has a dividend yield of 2.0%. Peapack-Gladstone Financial pays an annual dividend of $0.20 per share and has a dividend yield of 0.4%. Citizens Community Bancorp pays out 32.1% of its earnings in the form of a dividend. Peapack-Gladstone Financial pays out 6.9% 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. Citizens Community Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

55.1% of Citizens Community Bancorp shares are held by institutional investors. Comparatively, 72.8% of Peapack-Gladstone Financial shares are held by institutional investors. 4.1% of Citizens Community Bancorp shares are held by company insiders. Comparatively, 5.8% of Peapack-Gladstone Financial shares are held 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 has a beta of 0.51, suggesting that its stock price is 49% less volatile than the broader market. Comparatively, Peapack-Gladstone Financial has a beta of 0.71, suggesting that its stock price is 29% less volatile than the broader market.

Citizens Community Bancorp has a net margin of 12.94% compared to Peapack-Gladstone Financial's net margin of 11.09%. Peapack-Gladstone Financial's return on equity of 7.82% 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%
Peapack-Gladstone Financial 11.09%7.82%0.68%

Peapack-Gladstone Financial has higher revenue and earnings than Citizens Community Bancorp. Peapack-Gladstone 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$98.77M2.05$14.42M$1.3116.05
Peapack-Gladstone Financial$444.61M1.80$37.33M$2.8815.66

Summary

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

How does Citizens Community Bancorp compare to HomeTrust Bancshares?

HomeTrust Bancshares (NYSE:HTB) 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, profitability, institutional ownership, media sentiment, dividends, earnings, valuation and risk.

HomeTrust Bancshares has higher revenue and earnings than Citizens Community Bancorp. HomeTrust Bancshares 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
HomeTrust Bancshares$292.47M2.67$64.36M$3.8112.29
Citizens Community Bancorp$98.77M2.05$14.42M$1.3116.05

HomeTrust Bancshares currently has a consensus price target of $52.00, indicating a potential upside of 11.09%. Citizens Community Bancorp has a consensus price target of $23.50, indicating a potential upside of 11.80%. Given Citizens Community Bancorp's higher probable upside, analysts clearly believe Citizens Community Bancorp is more favorable than HomeTrust Bancshares.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
HomeTrust Bancshares
0 Sell rating(s)
2 Hold rating(s)
2 Buy rating(s)
1 Strong Buy rating(s)
2.80
Citizens Community Bancorp
0 Sell rating(s)
4 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.20

HomeTrust Bancshares pays an annual dividend of $0.60 per share and has a dividend yield of 1.3%. Citizens Community Bancorp pays an annual dividend of $0.42 per share and has a dividend yield of 2.0%. HomeTrust Bancshares pays out 15.7% 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. Citizens Community Bancorp has increased its dividend for 6 consecutive years. Citizens Community Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

HomeTrust Bancshares has a net margin of 22.50% compared to Citizens Community Bancorp's net margin of 12.94%. HomeTrust Bancshares' return on equity of 10.88% beat Citizens Community Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
HomeTrust Bancshares22.50% 10.88% 1.45%
Citizens Community Bancorp 12.94%6.77%0.72%

In the previous week, HomeTrust Bancshares and HomeTrust Bancshares both had 3 articles in the media. Citizens Community Bancorp's average media sentiment score of 1.83 beat HomeTrust Bancshares' score of -0.63 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
HomeTrust Bancshares
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Negative
Citizens Community Bancorp
2 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive

60.9% of HomeTrust Bancshares shares are held by institutional investors. Comparatively, 55.1% of Citizens Community Bancorp shares are held by institutional investors. 11.0% of HomeTrust Bancshares shares are held by insiders. Comparatively, 4.1% of Citizens Community Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

HomeTrust Bancshares has a beta of 0.81, indicating that its stock price is 19% less volatile than the broader market. Comparatively, Citizens Community Bancorp has a beta of 0.51, indicating that its stock price is 49% less volatile than the broader market.

Summary

HomeTrust Bancshares beats Citizens Community Bancorp on 14 of the 19 factors compared between the two stocks.

How does Citizens Community Bancorp compare to Shore Bancshares?

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

Citizens Community Bancorp has a beta of 0.51, suggesting that its stock price is 49% less volatile than the broader market. Comparatively, Shore Bancshares has a beta of 0.81, suggesting that its stock price is 19% less volatile than the broader market.

Citizens Community Bancorp pays an annual dividend of $0.42 per share and has a dividend yield of 2.0%. Shore Bancshares pays an annual dividend of $0.56 per share and has a dividend yield of 2.4%. Citizens Community Bancorp pays out 32.1% of its earnings in the form of a dividend. Shore Bancshares pays out 28.3% 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. Shore Bancshares is clearly the better dividend stock, given its higher yield and lower payout ratio.

Citizens Community Bancorp currently has a consensus target price of $23.50, indicating a potential upside of 11.80%. Shore Bancshares has a consensus target price of $26.00, indicating a potential upside of 12.36%. Given Shore Bancshares' stronger consensus rating and higher probable upside, analysts plainly believe Shore Bancshares 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
Shore Bancshares
0 Sell rating(s)
2 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.60

Shore Bancshares has a net margin of 19.15% compared to Citizens Community Bancorp's net margin of 12.94%. Shore Bancshares' return on equity of 12.11% 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%
Shore Bancshares 19.15%12.11%1.16%

55.1% of Citizens Community Bancorp shares are owned by institutional investors. Comparatively, 59.8% of Shore Bancshares shares are owned by institutional investors. 4.1% of Citizens Community Bancorp shares are owned by company insiders. Comparatively, 8.7% of Shore Bancshares shares are owned 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, Shore Bancshares had 7 more articles in the media than Citizens Community Bancorp. MarketBeat recorded 10 mentions for Shore Bancshares and 3 mentions for Citizens Community Bancorp. Citizens Community Bancorp's average media sentiment score of 1.83 beat Shore Bancshares' score of 1.29 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
2 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive
Shore Bancshares
7 Very Positive mention(s)
1 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Shore Bancshares has higher revenue and earnings than Citizens Community Bancorp. Shore Bancshares 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$98.77M2.05$14.42M$1.3116.05
Shore Bancshares$342.72M2.25$59.51M$1.9811.69

Summary

Shore Bancshares beats Citizens Community Bancorp on 16 of the 19 factors compared between the two stocks.

How does Citizens Community Bancorp compare to Washington Trust Bancorp?

Washington Trust Bancorp (NASDAQ:WASH) 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 institutional ownership, valuation, earnings, media sentiment, analyst recommendations, profitability, risk and dividends.

Washington Trust Bancorp has higher revenue and earnings than Citizens Community Bancorp. Washington Trust 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
Washington Trust Bancorp$393.95M1.91$52.24M$2.8813.70
Citizens Community Bancorp$98.77M2.05$14.42M$1.3116.05

65.8% of Washington Trust Bancorp shares are held by institutional investors. Comparatively, 55.1% of Citizens Community Bancorp shares are held by institutional investors. 1.3% of Washington Trust 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, large money managers and hedge funds believe a stock is poised for long-term growth.

Washington Trust Bancorp pays an annual dividend of $2.24 per share and has a dividend yield of 5.7%. Citizens Community Bancorp pays an annual dividend of $0.42 per share and has a dividend yield of 2.0%. Washington Trust Bancorp pays out 77.8% 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 pays out 32.1% of its earnings in the form of a dividend. Citizens Community Bancorp has increased its dividend for 6 consecutive years.

Washington Trust Bancorp has a net margin of 14.50% compared to Citizens Community Bancorp's net margin of 12.94%. Washington Trust Bancorp's return on equity of 10.18% beat Citizens Community Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Washington Trust Bancorp14.50% 10.18% 0.84%
Citizens Community Bancorp 12.94%6.77%0.72%

Washington Trust Bancorp currently has a consensus target price of $35.50, indicating a potential downside of 10.06%. Citizens Community Bancorp has a consensus target price of $23.50, indicating a potential upside of 11.80%. Given Citizens Community Bancorp's higher possible upside, analysts plainly believe Citizens Community Bancorp is more favorable than Washington Trust Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Washington Trust Bancorp
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.25
Citizens Community Bancorp
0 Sell rating(s)
4 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.20

In the previous week, Washington Trust Bancorp had 3 more articles in the media than Citizens Community Bancorp. MarketBeat recorded 6 mentions for Washington Trust Bancorp and 3 mentions for Citizens Community Bancorp. Citizens Community Bancorp's average media sentiment score of 1.83 beat Washington Trust Bancorp's score of 1.73 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
Washington Trust Bancorp
5 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive
Citizens Community Bancorp
2 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive

Washington Trust Bancorp has a beta of 0.72, meaning that its share price is 28% less volatile than the broader market. Comparatively, Citizens Community Bancorp has a beta of 0.51, meaning that its share price is 49% less volatile than the broader market.

Summary

Washington Trust Bancorp beats Citizens Community Bancorp on 11 of the 18 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$202.85M$23.55B$14.10B$12.91B
Dividend Yield2.00%3.19%5.89%11.28%
P/E Ratio16.0527.3826.7425.45
Price / Sales2.059.41514.6993.93
Price / Cash11.4116.0438.3253.00
Price / Book1.061.362.196.14
Net Income$14.42M$2.58B$1.31B$348.86M
7 Day Performance-0.24%-0.04%0.90%-0.80%
1 Month Performance-3.71%0.76%2.48%4.13%
1 Year Performance27.16%22.94%10.76%15.17%

Citizens Community Bancorp Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
CZWI
Citizens Community Bancorp
4.6808 of 5 stars
$21.02
+0.7%
$23.50
+11.8%
+27.2%$202.85M$98.77M16.05220
FISI
Financial Institutions
3.2047 of 5 stars
$40.62
-0.5%
$45.00
+10.8%
+48.0%$804.41M$377.94M10.08620
PGC
Peapack-Gladstone Financial
4.7812 of 5 stars
$45.15
-0.4%
$56.33
+24.8%
+55.5%$803.61M$444.61M15.68500
HTB
HomeTrust Bancshares
3.7748 of 5 stars
$46.53
-0.9%
$52.00
+11.8%
N/A$783.74M$292.47M12.21520
SHBI
Shore Bancshares
4.411 of 5 stars
$23.10
-0.6%
$26.00
+12.6%
+34.6%$775.23M$237.01M11.67450

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This page (NASDAQ:CZWI) was last updated on 8/30/2026 by MarketBeat.com Staff.
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