Citizens Community Bancorp (CZWI) vs First Capital (FCAP)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
First Capital (FCAP) has outperformed Citizens Community Bancorp (CZWI) over the past year, gaining 42.2% versus a gain of 34.7%. Over five years, FCAP leads with a +56.2% price change compared with +54.8% for CZWI. First Capital is the larger company by market cap ($209.7 million vs $203.6 million), about 1.0 times the size.
On valuation, First Capital trades at a lower trailing P/E (11.4x vs 16.1x for Citizens Community Bancorp). First Capital offers the higher dividend yield (1.98% vs 1.00%).
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 | CZWI | FCAP |
|---|---|---|
| Share price | $21.10 | $62.70 |
| Market cap | $203.62M | $209.71M |
| 1-day change | -1.45% | -2.20% |
| YTD return | +20.15% | +8.29% |
| 1-year return | +34.65% | +42.18% |
| 5-year return | +54.81% | +56.18% |
| P/E ratio (TTM) | 16.11 | 11.36 |
| Forward P/E | 9.72 | — |
| EPS (TTM) | $1.31 | $5.52 |
| Dividend yield | 1.00% | 1.98% |
| Annual dividend | $0.21 | $1.24 |
| 52-week high | $24.43 | $71.00 |
| 52-week low | $14.61 | $37.64 |
| Distance from 52-week high | -13.63% | -11.69% |
| Analyst consensus | none | — |
| Avg. price target upside | +5.45% | — |
| Average volume | 48.57K | 18.52K |
| Shares outstanding | 9.65M | 3.34M |
| Employees | 217 | 176 |
| Sector | Finance | Finance |
| Industry | Savings Institutions | 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 (16.1x vs 11.4x trailing P/E).
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
About First Capital
FCAP stock →First Capital, Inc. operates as the bank holding company for First Harrison Bank that provides various banking services to individuals and business customers in Indiana and Kentucky, the United States.
Finance · Savings Institutions · 176 employees
CZWI vs FCAP FAQ
Which is bigger, Citizens Community Bancorp or First Capital?
First Capital (FCAP) is larger, with a market capitalization of $209.71M compared with $203.62M for Citizens Community Bancorp (CZWI).
Which stock has performed better over the past year, CZWI or FCAP?
FCAP returned +42.18% 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, CZWI or FCAP?
FCAP has the lower trailing P/E at 11.4, versus 16.1 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, Citizens Community Bancorp or First Capital?
First Capital has the higher yield at 1.98%, compared with 1.00% for Citizens Community Bancorp.
Are Citizens Community Bancorp and First Capital in the same industry?
Yes. Both are classified in the Savings Institutions industry within the Finance sector.