CF Bankshares (CFBK) 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
CF Bankshares (CFBK) has outperformed Citizens Community Bancorp (CZWI) over the past year, gaining 44.6% versus a gain of 34.7%. Over five years, CFBK leads with a +75.8% price change compared with +54.8% for CZWI. CF Bankshares is the larger company by market cap ($224.3 million vs $206.6 million), about 1.1 times the size.
On valuation, CF Bankshares trades at a lower forward P/E (8.2x vs 9.9x for Citizens Community Bancorp). CF Bankshares offers the higher dividend yield (0.98% vs 0.98%).
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 | CFBK | CZWI |
|---|---|---|
| Share price | $34.55 | $21.41 |
| Market cap | $224.31M | $206.61M |
| 1-day change | +1.29% | +0.23% |
| YTD return | +38.48% | +20.15% |
| 1-year return | +44.56% | +34.65% |
| 5-year return | +75.83% | +54.81% |
| P/E ratio (TTM) | 11.87 | 16.34 |
| Forward P/E | 8.23 | 9.87 |
| EPS (TTM) | $2.91 | $1.31 |
| Dividend yield | 0.98% | 0.98% |
| Annual dividend | $0.34 | $0.21 |
| 52-week high | $38.11 | $24.43 |
| 52-week low | $22.10 | $14.61 |
| Distance from 52-week high | -9.34% | -12.36% |
| Analyst consensus | none | none |
| Avg. price target upside | +15.77% | +3.92% |
| Average volume | 48.50K | 48.57K |
| Shares outstanding | 6.42M | 9.65M |
| Employees | 98 | 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
- Citizens Community Bancorp trades at a higher earnings multiple (16.3x vs 11.9x trailing P/E).
About CF Bankshares
CFBK stock →CF Bankshares Inc. operates as the bank holding company for CFBank, National Association that provides various banking products and services.
Finance · Major Banks · 98 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
CFBK vs CZWI FAQ
Which is bigger, CF Bankshares or Citizens Community Bancorp?
CF Bankshares (CFBK) is larger, with a market capitalization of $224.31M compared with $206.61M for Citizens Community Bancorp (CZWI).
Which stock has performed better over the past year, CFBK or CZWI?
CFBK returned +44.56% over the past 12 months, compared with +34.65% for CZWI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CFBK or CZWI?
CFBK has the lower trailing P/E at 11.9, versus 16.3 for CZWI. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, CF Bankshares or Citizens Community Bancorp?
CF Bankshares has the higher yield at 0.98%, compared with 0.98% for Citizens Community Bancorp.
Are CF Bankshares and Citizens Community Bancorp in the same industry?
Both are in the Finance sector, but in different industries: Major Banks for CF Bankshares and Savings Institutions for Citizens Community Bancorp.