CZWI
Citizens Community Bancorp, Inc.
Banks - Regional
Market Cap$204M
5Y Perf.+187.6%
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Stock Comparison
CZWI vs KRNY
Revenue, margins, valuation, and 5-year total return — side by side.
KRNY
Kearny Financial Corp.
Banks - Regional
Market Cap$511M
5Y Perf.-5.3%
CZWI vs KRNY — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | CZWI | KRNY |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $204M | $511M |
| Revenue (TTM) | $90M | $344M |
| Net Income (TTM) | $14M | $32M |
| Gross Margin | 54.7% | 44.1% |
| Operating Margin | 7.0% | 9.0% |
| Forward P/E | 11.8x | 13.0x |
| Total Debt | $52M | $1.26B |
| Cash & Equiv. | $119M | $167M |
CZWI vs KRNY — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
CZWI
KRNY
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Citizens Community … (CZWI) | 100 | 287.6 | +187.6% |
| Kearny Financial Co… (KRNY) | 100 | 94.7 | -5.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: CZWI vs KRNY
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: CZWI leads in 4 of 7 categories, making it the strongest pick for valuation and capital efficiency and capital preservation and lower volatility. Kearny Financial Corp. is the stronger pick specifically for growth and revenue expansion and profitability and margin quality. As sector peers, any of these can serve as alternatives in the same allocation.
CZWI
Citizens Community Bancorp, Inc.
The Banking Pick
CZWI carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- Dividend streak 7 yrs, beta 0.46, yield 1.8%
- 156.3% 10Y total return vs KRNY's -6.8%
- Lower volatility, beta 0.46, Low D/E 27.6%, current ratio 3015.31x
Best for: income & stability and long-term compounding
KRNY
Kearny Financial Corp.
The Banking Pick
KRNY is the clearest fit if your priority is growth exposure.
- Rev growth 5.1%, EPS growth 130.2%
- 5.1% NII/revenue growth vs CZWI's -9.4%
- Efficiency ratio 0.4% vs CZWI's 0.5% (lower = leaner)
Best for: growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | KRNY | 5.1% NII/revenue growth vs CZWI's -9.4% |
| Value | CZWI | Lower P/E (11.8x vs 13.0x) |
| Quality / Margins | KRNY | Efficiency ratio 0.4% vs CZWI's 0.5% (lower = leaner) |
| Stability / Safety | CZWI | Beta 0.46 vs KRNY's 0.83, lower leverage |
| Dividends | CZWI | 1.8% yield, 7-year raise streak, vs KRNY's 5.4% |
| Momentum (1Y) | CZWI | +42.6% vs KRNY's +33.3% |
| Efficiency (ROA) | KRNY | Efficiency ratio 0.4% vs CZWI's 0.5% |
CZWI vs KRNY — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
CZWI vs KRNY — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLCZWILAGGINGKRNY
KRNYKearny Financial Corp.
0leads
CZWICitizens Community Ba…
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6 Total Categories
CATEGORYLEADERvs KRNYMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
CZWI4/5
Valuation MetricsMultiples, price ratios, and targets
CZWI4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
CZWI6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
CZWI6/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
CZWI leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
KRNY is the larger business by revenue, generating $344M annually — 3.8x CZWI's $90M. CZWI is the more profitable business, keeping 16.0% of every revenue dollar as net income compared to KRNY's 7.6%.
| Metric | CZWICitizens Communit… | KRNYKearny Financial … |
|---|---|---|
| RevenueTrailing 12 months | $90M | $344M |
| EBITDAEarnings before interest/tax | $9M | $43M |
| Net IncomeAfter-tax profit | $14M | $32M |
| Free Cash FlowCash after capex | $11M | $40M |
| Gross MarginGross profit ÷ Revenue | +54.7% | +44.1% |
| Operating MarginEBIT ÷ Revenue | +7.0% | +9.0% |
| Net MarginNet income ÷ Revenue | +16.0% | +7.6% |
| FCF MarginFCF ÷ Revenue | +11.5% | +6.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +63.0% | +50.0% |
CZWI leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
CZWI leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
At 14.5x trailing earnings, CZWI trades at a 25% valuation discount to KRNY's 19.3x P/E. On an enterprise value basis, CZWI's 15.3x EV/EBITDA is more attractive than KRNY's 44.6x.
| Metric | CZWICitizens Communit… | KRNYKearny Financial … |
|---|---|---|
| Market CapShares × price | $204M | $511M |
| Enterprise ValueMkt cap + debt − cash | $136M | $1.6B |
| Trailing P/EPrice ÷ TTM EPS | 14.48x | 19.33x |
| Forward P/EPrice ÷ next-FY EPS est. | 11.81x | 12.99x |
| PEG RatioP/E ÷ EPS growth rate | 2.85x | — |
| EV / EBITDAEnterprise value multiple | 15.34x | 44.59x |
| Price / SalesMarket cap ÷ Revenue | 2.26x | 1.49x |
| Price / BookPrice ÷ Book value/share | 1.09x | 0.68x |
| Price / FCFMarket cap ÷ FCF | 19.61x | 23.87x |
CZWI leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
CZWI leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
CZWI delivers a 7.8% return on equity — every $100 of shareholder capital generates $8 in annual profit, vs $4 for KRNY. CZWI carries lower financial leverage with a 0.28x debt-to-equity ratio, signaling a more conservative balance sheet compared to KRNY's 1.68x. On the Piotroski fundamental quality scale (0–9), KRNY scores 7/9 vs CZWI's 6/9, reflecting strong financial health.
| Metric | CZWICitizens Communit… | KRNYKearny Financial … |
|---|---|---|
| ROE (TTM)Return on equity | +7.8% | +4.3% |
| ROA (TTM)Return on assets | +0.8% | +0.4% |
| ROICReturn on invested capital | +2.0% | +1.1% |
| ROCEReturn on capital employed | +0.6% | +1.5% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 7 |
| Debt / EquityFinancial leverage | 0.28x | 1.68x |
| Net DebtTotal debt minus cash | -$67M | $1.1B |
| Cash & Equiv.Liquid assets | $119M | $167M |
| Total DebtShort + long-term debt | $52M | $1.3B |
| Interest CoverageEBIT ÷ Interest expense | 0.16x | 0.22x |
CZWI leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
CZWI leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in CZWI five years ago would be worth $17,143 today (with dividends reinvested), compared to $7,899 for KRNY. Over the past 12 months, CZWI leads with a +42.6% total return vs KRNY's +33.3%. The 3-year compound annual growth rate (CAGR) favors CZWI at 35.8% vs KRNY's 8.9% — a key indicator of consistent wealth creation.
| Metric | CZWICitizens Communit… | KRNYKearny Financial … |
|---|---|---|
| YTD ReturnYear-to-date | +21.9% | +12.0% |
| 1-Year ReturnPast 12 months | +42.6% | +33.3% |
| 3-Year ReturnCumulative with dividends | +150.3% | +29.3% |
| 5-Year ReturnCumulative with dividends | +71.4% | -21.0% |
| 10-Year ReturnCumulative with dividends | +156.3% | -6.8% |
| CAGR (3Y)Annualised 3-year return | +35.8% | +8.9% |
CZWI leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
Evenly matched — CZWI and KRNY each lead in 1 of 2 comparable metrics.
Risk & Volatility
CZWI is the less volatile stock with a 0.46 beta — it tends to amplify market swings less than KRNY's 0.83 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | CZWICitizens Communit… | KRNYKearny Financial … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.46x | 0.83x |
| 52-Week HighHighest price in past year | $22.62 | $8.50 |
| 52-Week LowLowest price in past year | $12.83 | $5.76 |
| % of 52W HighCurrent price vs 52-week peak | +93.5% | +95.5% |
| RSI (14)Momentum oscillator 0–100 | 62.2 | 51.8 |
| Avg Volume (50D)Average daily shares traded | 42K | 296K |
Evenly matched — CZWI and KRNY each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — CZWI and KRNY each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates CZWI as "Buy" and KRNY as "Hold". For income investors, KRNY offers the higher dividend yield at 5.43% vs CZWI's 1.75%.
| Metric | CZWICitizens Communit… | KRNYKearny Financial … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | — | $9.50 |
| # AnalystsCovering analysts | 2 | 5 |
| Dividend YieldAnnual dividend ÷ price | +1.8% | +5.4% |
| Dividend StreakConsecutive years of raises | 7 | 0 |
| Dividend / ShareAnnual DPS | $0.37 | $0.44 |
| Buyback YieldShare repurchases ÷ mkt cap | +3.1% | +0.1% |
Evenly matched — CZWI and KRNY each lead in 1 of 2 comparable metrics.
Key Takeaway
CZWI leads in 4 of 6 categories — strongest in Income & Cash Flow and Valuation Metrics. 2 categories are tied.
Best OverallCitizens Community Bancorp,… (CZWI)Leads 4 of 6 categories
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CZWI vs KRNY: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is CZWI or KRNY a better buy right now?
For growth investors, Kearny Financial Corp.
(KRNY) is the stronger pick with 5. 1% revenue growth year-over-year, versus -9. 4% for Citizens Community Bancorp, Inc. (CZWI). Citizens Community Bancorp, Inc. (CZWI) offers the better valuation at 14. 5x trailing P/E (11. 8x forward), making it the more compelling value choice. Analysts rate Citizens Community Bancorp, Inc. (CZWI) a "Buy" — based on 2 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — CZWI or KRNY?
On trailing P/E, Citizens Community Bancorp, Inc.
(CZWI) is the cheapest at 14. 5x versus Kearny Financial Corp. at 19. 3x. On forward P/E, Citizens Community Bancorp, Inc. is actually cheaper at 11. 8x.
03Which is the better long-term investment — CZWI or KRNY?
Over the past 5 years, Citizens Community Bancorp, Inc.
(CZWI) delivered a total return of +71. 4%, compared to -21. 0% for Kearny Financial Corp. (KRNY). Over 10 years, the gap is even starker: CZWI returned +156. 3% versus KRNY's -6. 8%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — CZWI or KRNY?
By beta (market sensitivity over 5 years), Citizens Community Bancorp, Inc.
(CZWI) is the lower-risk stock at 0. 46β versus Kearny Financial Corp. 's 0. 83β — meaning KRNY is approximately 82% more volatile than CZWI relative to the S&P 500. On balance sheet safety, Citizens Community Bancorp, Inc. (CZWI) carries a lower debt/equity ratio of 28% versus 168% for Kearny Financial Corp. — giving it more financial flexibility in a downturn.
05Which is growing faster — CZWI or KRNY?
By revenue growth (latest reported year), Kearny Financial Corp.
(KRNY) is pulling ahead at 5. 1% versus -9. 4% for Citizens Community Bancorp, Inc. (CZWI). On earnings-per-share growth, the picture is similar: Kearny Financial Corp. grew EPS 130. 2% year-over-year, compared to 9. 0% for Citizens Community Bancorp, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — CZWI or KRNY?
Citizens Community Bancorp, Inc.
(CZWI) is the more profitable company, earning 16. 0% net margin versus 7. 6% for Kearny Financial Corp. — meaning it keeps 16. 0% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: KRNY leads at 9. 0% versus 7. 0% for CZWI. At the gross margin level — before operating expenses — CZWI leads at 54. 7%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is CZWI or KRNY more undervalued right now?
On forward earnings alone, Citizens Community Bancorp, Inc.
(CZWI) trades at 11. 8x forward P/E versus 13. 0x for Kearny Financial Corp. — 1. 2x cheaper on a one-year earnings basis.
08Which pays a better dividend — CZWI or KRNY?
All stocks in this comparison pay dividends.
Kearny Financial Corp. (KRNY) offers the highest yield at 5. 4%, versus 1. 8% for Citizens Community Bancorp, Inc. (CZWI).
09Is CZWI or KRNY better for a retirement portfolio?
For long-horizon retirement investors, Citizens Community Bancorp, Inc.
(CZWI) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 46), 1. 8% yield, +156. 3% 10Y return). Both have compounded well over 10 years (CZWI: +156. 3%, KRNY: -6. 8%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between CZWI and KRNY?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: CZWI is a small-cap deep-value stock; KRNY is a small-cap income-oriented stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
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(CZWI: -9.4% · KRNY: 5.1%)Net Margin>
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(CZWI: 16.0% · KRNY: 7.6%)P/E Ratio<
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