Citizens Community Bancorp (CZWI) vs Rhinebeck Bancorp (RBKB)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Rhinebeck Bancorp (RBKB) has outperformed Citizens Community Bancorp (CZWI) over the past year, gaining 55.2% versus a gain of 33.0%. Over five years, RBKB leads with a +66.1% price change compared with +52.6% for CZWI. Citizens Community Bancorp is the larger company by market cap ($203.6 million vs $201.1 million), about 1.0 times the size.
On valuation, Rhinebeck Bancorp trades at a lower trailing P/E (14.1x vs 16.1x for Citizens Community Bancorp). Citizens Community Bancorp pays a dividend yielding 1.00%, while Rhinebeck 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 | RBKB |
|---|---|---|
| Share price | $21.10 | $12.86 |
| Market cap | $203.62M | $201.08M |
| 1-day change | -1.45% | -0.69% |
| YTD return | +18.41% | +50.51% |
| 1-year return | +33.04% | +55.15% |
| 5-year return | +52.57% | +66.13% |
| P/E ratio (TTM) | 16.11 | 14.13 |
| Forward P/E | 9.72 | — |
| EPS (TTM) | $1.31 | $0.91 |
| Dividend yield | 1.00% | 0.00% |
| Annual dividend | $0.21 | $0.00 |
| 52-week high | $24.43 | $13.29 |
| 52-week low | $14.61 | $6.74 |
| Distance from 52-week high | -13.63% | -3.20% |
| Analyst consensus | none | — |
| Avg. price target upside | +5.45% | — |
| Average volume | 48.09K | 154.55K |
| Shares outstanding | 9.65M | 15.64M |
| Employees | 217 | 158 |
| Sector | Finance | Finance |
| Industry | Savings Institutions | Banks |
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
- RBKB has outperformed CZWI by 22.1 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 Rhinebeck Bancorp
RBKB stock →Rhinebeck Bancorp, Inc. operates as the bank holding company for Rhinebeck Bank that provides banking and financial products and services to consumer and commercial customers in the Hudson Valley region of New York, the United States.
Finance · Banks · 158 employees
CZWI vs RBKB FAQ
Which is bigger, Citizens Community Bancorp or Rhinebeck Bancorp?
Citizens Community Bancorp (CZWI) is larger, with a market capitalization of $203.62M compared with $201.08M for Rhinebeck Bancorp (RBKB).
Which stock has performed better over the past year, CZWI or RBKB?
RBKB returned +55.15% over the past 12 months, compared with +33.04% for CZWI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CZWI or RBKB?
RBKB has the lower trailing P/E at 14.1, 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 Rhinebeck Bancorp?
Citizens Community Bancorp pays a dividend yielding 1.00%, while Rhinebeck Bancorp does not currently pay a regular dividend.
Are Citizens Community Bancorp and Rhinebeck Bancorp in the same industry?
Both are in the Finance sector, but in different industries: Savings Institutions for Citizens Community Bancorp and Banks for Rhinebeck Bancorp.