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CZWI vs JRVR

Comparison between Citizens Community Bancorp Inc MD (CZWI, Company) and James River Group Holdings Ltd (JRVR, Company).

Both CZWI and JRVR are from the Financial Services sector.

5-Year PerformanceCZWI has outperformed JRVR, delivering a return of +10.7% compared to -34.5%

CZWI vs JRVR - Performance Comparison

Key Characteristics

Financial metrics and valuation ratios

Market Cap
Winner
CZWI
$200M
JRVR
$199M
Max Drawdown
Winner
CZWI
84.82%
JRVR
93.64%
Sharpe Ratio
Winner
CZWI
1.27
JRVR
-0.37
5Y Beta
Winner
CZWI
0.42
JRVR
0.49
Industry
CZWI
Banks - Regional
JRVR
Insurance - Specialty
P/E Ratio
CZWI
15.66
Winner
JRVR
6.48
Forward P/E
CZWI
10.72
Winner
JRVR
6.01
PEG Ratio
CZWI
2.51
JRVR
N/A
Dividend Yield
Winner
CZWI
1.03%
JRVR
0.88%
5Y Dividends CAGR
Winner
CZWI
6.49%
JRVR
-47.04%
5Y EPS CAGR
CZWI
-3.51%
Winner
JRVR
33.47%
Debt to Equity
CZWI
27.12%
Winner
JRVR
0.00%
Free Cash Flow Yield
Winner
CZWI
9.68%
JRVR
-1.16%

CZWI vs JRVR - Historical Returns

Returns include dividend reinvestment.

1M
CZWI
-8.24%
Winner
JRVR
-5.46%
3M
CZWI
+1.08%
Winner
JRVR
+5.88%
6M
Winner
CZWI
+12.84%
JRVR
-36.71%
1Y
Winner
CZWI
+34.18%
JRVR
-27.29%
5Y(CAGR)
Winner
CZWI
+10.68%
JRVR
-34.45%
10Y(CAGR)
Winner
CZWI
+9.41%
JRVR
-16.79%
Max(CAGR)
Winner
CZWI
+3.80%
JRVR
-10.29%

CZWI vs JRVR - Annual Returns (2004 - 2026)

Returns include dividend reinvestment.

YearCZWIJRVR
2026+22.94%-29.42%
2025+11.93%+31.86%
2024+44.94%-45.80%
2023+1.19%-55.16%
2022-11.18%-25.99%
2021+28.24%-38.70%
2020-9.31%+24.10%
2019+8.89%+17.95%
2018-17.17%-4.59%
2017+10.96%-1.67%
2016+33.84%+31.57%
2015+5.46%+59.21%
2014+25.88%+7.11%
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 JRVR Drawdown Comparison

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

The maximum drawdown for JRVR was -93.08%, occurring on Mar 4, 2025. This drawdown has not yet recovered.

The current CZWI drawdown is -11.46%. The current JRVR drawdown is -91.36%.

RankCZWIJRVR
#1-83.63%
Aug 3, 2006 - Dec 2, 2024
-93.08%
Oct 23, 2020 - Mar 4, 2025
#2-31.15%
Feb 10, 2005 - Apr 27, 2006
-45.93%
Sep 25, 2019 - Oct 20, 2020
#3-23.32%
Dec 5, 2024 - Sep 4, 2025
-24.67%
Oct 20, 2017 - Sep 14, 2018
#4-15.09%
Apr 5, 2004 - Nov 1, 2004
-18.29%
Sep 21, 2018 - May 1, 2019
#5-14.52%
Jul 1, 2026 - Aug 10, 2026
-15.20%
Dec 29, 2015 - May 25, 2016
#6-14.47%
Dec 3, 2004 - Feb 10, 2005
-13.75%
Feb 16, 2017 - Oct 20, 2017
#7-9.47%
Sep 18, 2025 - Nov 13, 2025
-9.25%
Jan 9, 2015 - Mar 16, 2015
#8-8.42%
Feb 9, 2026 - Mar 20, 2026
-8.57%
Mar 23, 2015 - Jun 18, 2015
#9-6.54%
May 8, 2026 - Jun 12, 2026
-8.24%
May 27, 2016 - Aug 15, 2016
#10-5.63%
Dec 18, 2025 - Jan 21, 2026
-7.58%
Sep 7, 2016 - Oct 12, 2016
#11-4.62%
Jan 21, 2026 - Feb 4, 2026
-7.58%
Sep 15, 2015 - Oct 23, 2015
#12-4.02%
Jun 30, 2006 - Jul 26, 2006
-6.71%
Oct 28, 2015 - Nov 6, 2015
#13-3.31%
Nov 13, 2025 - Nov 25, 2025
-6.70%
Nov 21, 2016 - Dec 20, 2016
#14-3.19%
Jun 23, 2026 - Jun 26, 2026
-6.08%
Aug 5, 2015 - Sep 3, 2015
#15-2.95%
Sep 4, 2025 - Sep 18, 2025
-5.83%
Jan 4, 2017 - Feb 14, 2017

Correlation

Correlation between CZWI and JRVR is -0.53 which considered as a moderate negative correlation - the stocks show some tendency to move in opposite directions.

-0.53
-101

Dividend Comparison (2006 - 2026)

CZWI vs JRVR dividend yield comparison.

YearCZWIJRVR
20261.49%0.46%
20252.02%0.63%
20241.96%3.29%
20232.48%2.16%
20222.16%0.96%
20211.67%4.17%
20201.93%2.44%
20191.64%2.91%
20181.83%3.28%
20171.19%3.00%
20160.97%5.42%
20150.85%4.89%
20140.44%0.00%
20130.27%0.00%
20094.41%0.00%
20082.86%0.00%
20072.28%0.00%
20062.04%0.00%

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