Citizens Community Bancorp (CZWI) vs Finward Bancorp (FNWD)
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 Finward Bancorp (FNWD) over the past year, gaining 34.7% versus a gain of 30.3%. Over five years, CZWI leads with a +54.8% price change compared with -0.7% for FNWD. Citizens Community Bancorp is the larger company by market cap ($203.6 million vs $178.3 million), about 1.1 times the size.
On valuation, Citizens Community Bancorp trades at a lower forward P/E (9.7x vs 13.2x for Finward Bancorp). Finward Bancorp offers the higher dividend yield (1.17% 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 | FNWD |
|---|---|---|
| Share price | $21.10 | $41.17 |
| Market cap | $203.62M | $178.30M |
| 1-day change | -1.45% | -1.13% |
| YTD return | +20.15% | +18.33% |
| 1-year return | +34.65% | +30.29% |
| 5-year return | +54.81% | -0.74% |
| P/E ratio (TTM) | 16.11 | 18.14 |
| Forward P/E | 9.72 | 13.15 |
| EPS (TTM) | $1.31 | $2.27 |
| Dividend yield | 1.00% | 1.17% |
| Annual dividend | $0.21 | $0.48 |
| 52-week high | $24.43 | $45.90 |
| 52-week low | $14.61 | $30.05 |
| Distance from 52-week high | -13.63% | -10.31% |
| Analyst consensus | none | none |
| Avg. price target upside | +5.45% | -7.70% |
| Average volume | 48.57K | 16.53K |
| Shares outstanding | 9.65M | 4.33M |
| Employees | 217 | 296 |
| 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.
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 Finward Bancorp
FNWD stock →Finward Bancorp operates as the holding company for Peoples Bank that provides various banking products and services. The company's deposit products include non-interest- and interest-bearing demand accounts, savings accounts, money market deposit accounts, certificate accounts, and retirement savings plans.
Finance · Savings Institutions · 296 employees
CZWI vs FNWD FAQ
Which is bigger, Citizens Community Bancorp or Finward Bancorp?
Citizens Community Bancorp (CZWI) is larger, with a market capitalization of $203.62M compared with $178.30M for Finward Bancorp (FNWD).
Which stock has performed better over the past year, CZWI or FNWD?
CZWI returned +34.65% over the past 12 months, compared with +30.29% for FNWD (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CZWI or FNWD?
CZWI has the lower trailing P/E at 16.1, versus 18.1 for FNWD. 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 Finward Bancorp?
Finward Bancorp has the higher yield at 1.17%, compared with 1.00% for Citizens Community Bancorp.
Are Citizens Community Bancorp and Finward Bancorp in the same industry?
Yes. Both are classified in the Savings Institutions industry within the Finance sector.