CZWI vs CMRC

Comparison between Citizens Community Bancorp Inc MD (CZWI, Company) and Commerce.com Inc Series 1 (CMRC, Company).

CZWI is from the Financial Services sector, while CMRC is from the Technology sector.

5-Year PerformanceCZWI has outperformed CMRC, delivering a return of +13.5% compared to -48.1%

CZWI vs CMRC - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CZWI(COMPANY)	CMRC(COMPANY)
Market Cap	$223M	$223M
Max Drawdown	84.82%	98.26%
Sharpe Ratio	1.82	-0.86
5Y Beta	0.46	1.20
Industry	Banks - Regional	Software - Application
P/E Ratio	15.07	-29.75
Forward P/E	10.72	7.28
PEG Ratio	0.74	N/A
Dividend Yield	0.45%	N/A
5Y Dividends CAGR	-1.80%	N/A
5Y EPS CAGR	1.63%	N/A
Debt to Equity	27.16%	343.08%
Free Cash Flow Yield	5.51%	19.48%
P/S Ratio	3.62	0.65
P/B Ratio	1.17	5.19

Market Cap

CZWI

$223M

Winner

CMRC

$223M

Max Drawdown

Winner

CZWI

84.82%

CMRC

98.26%

Sharpe Ratio

Winner

CZWI

1.82

CMRC

-0.86

5Y Beta

Winner

CZWI

0.46

CMRC

1.20

Industry

CZWI

Banks - Regional

CMRC

Software - Application

P/E Ratio

CZWI

15.07

Winner

CMRC

-29.75

Forward P/E

CZWI

10.72

Winner

CMRC

7.28

PEG Ratio

CZWI

0.74

CMRC

N/A

Dividend Yield

CZWI

0.45%

CMRC

N/A

5Y Dividends CAGR

CZWI

-1.80%

CMRC

N/A

5Y EPS CAGR

CZWI

1.63%

CMRC

N/A

Debt to Equity

Winner

CZWI

27.16%

CMRC

343.08%

Free Cash Flow Yield

CZWI

5.51%

Winner

CMRC

19.48%

P/S Ratio

CZWI

3.62

Winner

CMRC

0.65

P/B Ratio

Winner

CZWI

1.17

CMRC

5.19

CZWI vs CMRC - Historical Returns

Returns include dividend reinvestment.

Period	CZWI	CMRC
1 month	+0.35%	-3.87%
3 months	+12.70%	-11.39%
6 months	+27.58%	-20.34%
1 year	+53.47%	-50.48%
5 years(CAGR)	+13.54%	-48.09%
10 years(CAGR)	+10.30%	N/A
Max(CAGR)	+4.18%	-42.72%

Winner

CZWI

+0.35%

CMRC

-3.87%

Winner

CZWI

+12.70%

CMRC

-11.39%

Winner

CZWI

+27.58%

CMRC

-20.34%

Winner

CZWI

+53.47%

CMRC

-50.48%

5Y(CAGR)

Winner

CZWI

+13.54%

CMRC

-48.09%

10Y(CAGR)

CZWI

+10.30%

CMRC

N/A

Max(CAGR)

Winner

CZWI

+4.18%

CMRC

-42.72%

CZWI vs CMRC - Annual Returns (2004 - 2026)

Returns include dividend reinvestment.

Year	CZWI	CMRC
2026	+33.22%	-35.84%
2025	+11.93%	-33.33%
2024	+44.94%	-32.00%
2023	+1.19%	+15.97%
2022	-11.18%	-76.60%
2021	+28.24%	-39.37%
2020	-9.31%	-11.24%
2019	+8.89%	N/A
2018	-17.17%	N/A
2017	+10.96%	N/A
2016	+33.84%	N/A
2015	+5.46%	N/A
2014	+25.88%	N/A
2013	+21.83%	N/A
2012	+20.72%	N/A
2011	+30.53%	N/A
2010	+15.16%	N/A
2009	-49.10%	N/A
2008	-17.38%	N/A
2007	-8.30%	N/A
2006	-25.06%	N/A
2005	-11.41%	N/A
2004	+21.26%	N/A

CZWI vs CMRC Drawdown Comparison

The maximum drawdown for CZWI was -83.63%, occurring on Nov 30, 2009. Recovery took 4613 trading sessions.

The maximum drawdown for CMRC was -98.26%, occurring on Feb 12, 2026. This drawdown has not yet recovered.

The current CZWI drawdown is -4.05%. The current CMRC drawdown is -98.15%.

Rank	CZWI	CMRC
#1	-83.63% Aug 3, 2006 - Dec 2, 2024	-98.26% Aug 27, 2020 - Feb 12, 2026
#2	-31.15% Feb 10, 2005 - Apr 27, 2006	-31.02% Aug 6, 2020 - Aug 25, 2020
#3	-23.32% Dec 5, 2024 - Sep 4, 2025	N/A
#4	-15.09% Apr 5, 2004 - Nov 1, 2004	N/A
#5	-14.47% Dec 3, 2004 - Feb 10, 2005	N/A
#6	-9.47% Sep 18, 2025 - Nov 13, 2025	N/A
#7	-8.42% Feb 9, 2026 - Mar 20, 2026	N/A
#8	-6.54% May 8, 2026 - Jun 12, 2026	N/A
#9	-6.05% Jul 1, 2026 - Jul 8, 2026	N/A
#10	-5.63% Dec 18, 2025 - Jan 21, 2026	N/A
#11	-4.62% Jan 21, 2026 - Feb 4, 2026	N/A
#12	-4.02% Jun 30, 2006 - Jul 26, 2006	N/A
#13	-3.31% Nov 13, 2025 - Nov 25, 2025	N/A
#14	-3.19% Jun 23, 2026 - Jun 26, 2026	N/A
#15	-2.95% Sep 4, 2025 - Sep 18, 2025	N/A

Correlation

Correlation between CZWI and CMRC is -0.50 which considered as a weak negative correlation - the stocks show a slight tendency to move in opposite directions.

-0.50

-101