BayFirst Financial (BAFN) vs Citizens Community Bancorp (CZWI)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Citizens Community Bancorp (CZWI) has outperformed BayFirst Financial (BAFN) over the past year, gaining 34.7% versus a loss of 33.4%. Over five years, CZWI leads with a +54.8% price change compared with -77.1% for BAFN. Citizens Community Bancorp is the larger company by market cap ($206.0 million vs $178.0 million), about 1.2 times the size.
Citizens Community Bancorp pays a dividend yielding 0.98%, while BayFirst Financial does not currently pay one.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | BAFN | CZWI |
|---|---|---|
| Share price | $6.60 | $21.35 |
| Market cap | $177.95M | $206.03M |
| 1-day change | -1.79% | -0.28% |
| YTD return | -14.39% | +20.15% |
| 1-year return | -33.40% | +34.65% |
| 5-year return | -77.06% | +54.81% |
| P/E ratio (TTM) | — | 16.30 |
| Forward P/E | — | 9.84 |
| EPS (TTM) | $-11.42 | $1.31 |
| Dividend yield | 0.00% | 0.98% |
| Annual dividend | $0.00 | $0.21 |
| 52-week high | $10.38 | $24.43 |
| 52-week low | $4.26 | $14.61 |
| Distance from 52-week high | -36.42% | -12.61% |
| Analyst consensus | — | none |
| Avg. price target upside | — | +4.22% |
| Average volume | 85.22K | 48.57K |
| Shares outstanding | 26.96M | 9.65M |
| Employees | 148 | 217 |
| Sector | Finance | Finance |
| Industry | Major Banks | Savings Institutions |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- CZWI has outperformed BAFN by 68.1 percentage points over the past year.
About BayFirst Financial
BAFN stock →BayFirst Financial Corp. operates as the bank holding company for BayFirst National Bank that provides community banking services for small and medium sized businesses and individuals.
Finance · Major Banks · 148 employees
About Citizens Community Bancorp
CZWI stock →Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal N.A.
Finance · Savings Institutions · 217 employees
BAFN vs CZWI FAQ
Which is bigger, BayFirst Financial or Citizens Community Bancorp?
Citizens Community Bancorp (CZWI) is larger, with a market capitalization of $206.03M compared with $177.95M for BayFirst Financial (BAFN).
Which stock has performed better over the past year, BAFN or CZWI?
CZWI returned +34.65% over the past 12 months, compared with -33.40% for BAFN (price return, excluding dividends). Past performance does not predict future results.
Which pays a higher dividend, BayFirst Financial or Citizens Community Bancorp?
Citizens Community Bancorp pays a dividend yielding 0.98%, while BayFirst Financial does not currently pay a regular dividend.
Are BayFirst Financial and Citizens Community Bancorp in the same industry?
Both are in the Finance sector, but in different industries: Major Banks for BayFirst Financial and Savings Institutions for Citizens Community Bancorp.