Citizens Community Bancorp (CZWI) vs First Northern Community Bancorp (FNRN)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
First Northern Community Bancorp (FNRN) has outperformed Citizens Community Bancorp (CZWI) over the past year, gaining 42.6% versus a gain of 34.7%. Over five years, FNRN leads with a +107.3% price change compared with +54.8% for CZWI. First Northern Community Bancorp is the larger company by market cap ($263.1 million vs $203.6 million), about 1.3 times the size.
On valuation, First Northern Community Bancorp trades at a lower trailing P/E (12.3x vs 16.1x for Citizens Community Bancorp). Citizens Community Bancorp pays a dividend yielding 1.00%, while First Northern Community Bancorp 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 | CZWI | FNRN |
|---|---|---|
| Share price | $21.10 | $16.05 |
| Market cap | $203.62M | $263.14M |
| 1-day change | -1.45% | -7.23% |
| YTD return | +20.15% | +35.97% |
| 1-year return | +34.65% | +42.58% |
| 5-year return | +54.81% | +107.32% |
| P/E ratio (TTM) | 16.11 | 12.35 |
| Forward P/E | 9.72 | — |
| EPS (TTM) | $1.31 | $1.30 |
| Dividend yield | 1.00% | 0.00% |
| Annual dividend | $0.21 | $0.00 |
| 52-week high | $24.43 | $19.25 |
| 52-week low | $14.61 | $12.00 |
| Distance from 52-week high | -13.63% | -16.62% |
| Analyst consensus | none | — |
| Avg. price target upside | +5.45% | — |
| Average volume | 48.57K | 113.36K |
| Shares outstanding | 9.65M | 16.40M |
| Employees | 217 | 204 |
| 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 12.3x 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 Northern Community Bancorp
FNRN stock →First Northern Community Bancorp operates as the bank holding company for First Northern Bank of Dixon that provides commercial banking products and services to individuals, and small and medium sized businesses. The company offers deposit products, including demand, interest-bearing transaction, savings and money market, and non-brokered time deposits.
Finance · Savings Institutions · 204 employees
CZWI vs FNRN FAQ
Which is bigger, Citizens Community Bancorp or First Northern Community Bancorp?
First Northern Community Bancorp (FNRN) is larger, with a market capitalization of $263.14M compared with $203.62M for Citizens Community Bancorp (CZWI).
Which stock has performed better over the past year, CZWI or FNRN?
FNRN returned +42.58% 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 FNRN?
FNRN has the lower trailing P/E at 12.3, 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 Northern Community Bancorp?
Citizens Community Bancorp pays a dividend yielding 1.00%, while First Northern Community Bancorp does not currently pay a regular dividend.
Are Citizens Community Bancorp and First Northern Community Bancorp in the same industry?
Yes. Both are classified in the Savings Institutions industry within the Finance sector.