Citizens Community Bancorp (CZWI) vs First Guaranty Bancshares (FGBI)
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 First Guaranty Bancshares (FGBI) over the past year, gaining 34.7% versus a loss of 6.2%. Over five years, CZWI leads with a +54.8% price change compared with -54.4% for FGBI. Citizens Community Bancorp is the larger company by market cap ($203.6 million vs $137.9 million), about 1.5 times the size.
On valuation, Citizens Community Bancorp trades at a lower forward P/E (9.7x vs 12.8x for First Guaranty Bancshares). Citizens Community Bancorp offers the higher dividend yield (1.00% vs 0.48%).
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 | FGBI |
|---|---|---|
| Share price | $21.10 | $8.34 |
| Market cap | $203.62M | $137.94M |
| 1-day change | -1.45% | -1.65% |
| YTD return | +20.15% | +57.91% |
| 1-year return | +34.65% | -6.19% |
| 5-year return | +54.81% | -54.39% |
| P/E ratio (TTM) | 16.11 | — |
| Forward P/E | 9.72 | 12.83 |
| EPS (TTM) | $1.31 | $-2.42 |
| Dividend yield | 1.00% | 0.48% |
| Annual dividend | $0.21 | $0.04 |
| 52-week high | $24.43 | $11.02 |
| 52-week low | $14.61 | $4.31 |
| Distance from 52-week high | -13.63% | -24.29% |
| Analyst consensus | none | none |
| Avg. price target upside | +5.45% | +7.91% |
| Average volume | 48.57K | 23.60K |
| Shares outstanding | 9.65M | 16.54M |
| Employees | 217 | 333 |
| 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
- CZWI has outperformed FGBI by 40.8 percentage points over the past year.
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 Guaranty Bancshares
FGBI stock →First Guaranty Bancshares, Inc. operates as the holding company for First Guaranty Bank that provides commercial banking services in Louisiana and Texas.
Finance · Savings Institutions · 333 employees
CZWI vs FGBI FAQ
Which is bigger, Citizens Community Bancorp or First Guaranty Bancshares?
Citizens Community Bancorp (CZWI) is larger, with a market capitalization of $203.62M compared with $137.94M for First Guaranty Bancshares (FGBI).
Which stock has performed better over the past year, CZWI or FGBI?
CZWI returned +34.65% over the past 12 months, compared with -6.19% for FGBI (price return, excluding dividends). Past performance does not predict future results.
Which pays a higher dividend, Citizens Community Bancorp or First Guaranty Bancshares?
Citizens Community Bancorp has the higher yield at 1.00%, compared with 0.48% for First Guaranty Bancshares.
Are Citizens Community Bancorp and First Guaranty Bancshares in the same industry?
Yes. Both are classified in the Savings Institutions industry within the Finance sector.