Citizens Community Bancorp (CZWI) vs Waterstone Financial (WSBF)
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 Waterstone Financial (WSBF) over the past year, gaining 34.7% versus a gain of 30.2%. Over five years, CZWI leads with a +54.8% price change compared with -4.1% for WSBF. Waterstone Financial is the larger company by market cap ($352.0 million vs $206.0 million), about 1.7 times the size.
On valuation, Citizens Community Bancorp trades at a lower forward P/E (9.8x vs 19.4x for Waterstone Financial). Waterstone Financial offers the higher dividend yield (3.27% vs 0.98%).
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 | WSBF |
|---|---|---|
| Share price | $21.35 | $19.58 |
| Market cap | $206.03M | $351.99M |
| 1-day change | -0.28% | 0.00% |
| YTD return | +20.15% | +18.31% |
| 1-year return | +34.65% | +30.19% |
| 5-year return | +54.81% | -4.07% |
| P/E ratio (TTM) | 16.30 | 11.32 |
| Forward P/E | 9.84 | 19.39 |
| EPS (TTM) | $1.31 | $1.73 |
| Dividend yield | 0.98% | 3.27% |
| Annual dividend | $0.21 | $0.64 |
| 52-week high | $24.43 | $21.66 |
| 52-week low | $14.61 | $14.52 |
| Distance from 52-week high | -12.61% | -9.60% |
| Analyst consensus | none | — |
| Avg. price target upside | +4.22% | — |
| Average volume | 48.57K | 75.76K |
| Shares outstanding | 9.65M | 17.98M |
| Employees | 217 | 593 |
| 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 (16.3x vs 11.3x trailing P/E).
- Waterstone Financial offers a meaningfully higher dividend yield (3.27% vs 0.98%).
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 Waterstone Financial
WSBF stock →Waterstone Financial, Inc. operates as a bank holding company for WaterStone Bank SSB that provides various financial services to customers in southeastern Wisconsin, the United States.
Finance · Savings Institutions · 593 employees
CZWI vs WSBF FAQ
Which is bigger, Citizens Community Bancorp or Waterstone Financial?
Waterstone Financial (WSBF) is larger, with a market capitalization of $351.99M compared with $206.03M for Citizens Community Bancorp (CZWI).
Which stock has performed better over the past year, CZWI or WSBF?
CZWI returned +34.65% over the past 12 months, compared with +30.19% for WSBF (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CZWI or WSBF?
WSBF has the lower trailing P/E at 11.3, versus 16.3 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 Waterstone Financial?
Waterstone Financial has the higher yield at 3.27%, compared with 0.98% for Citizens Community Bancorp.
Are Citizens Community Bancorp and Waterstone Financial in the same industry?
Yes. Both are classified in the Savings Institutions industry within the Finance sector.