CZWI vs REFI

Comparison between Citizens Community Bancorp Inc MD (CZWI, Company) and Chicago Atlantic Real Estate Finance Inc (REFI, Company).

CZWI is from the Financial Services sector, while REFI is from the Real Estate sector.

5-Year PerformanceCZWI has outperformed REFI, delivering a return of +11.4% compared to +3.0%

CZWI vs REFI - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CZWI(COMPANY)	REFI(COMPANY)
Market Cap	$209M	$209M
Max Drawdown	84.82%	51.71%
Sharpe Ratio	1.44	-0.51
5Y Beta	0.42	0.41
Industry	Banks - Regional	Reit - Mortgage
P/E Ratio	14.15	6.79
Forward P/E	10.72	5.25
PEG Ratio	0.69	N/A
Dividend Yield	0.96%	18.80%
5Y Dividends CAGR	-1.80%	N/A
5Y EPS CAGR	1.63%	N/A
Debt to Equity	27.16%	16.28%
Free Cash Flow Yield	5.87%	11.62%
P/S Ratio	3.60	5.06
P/B Ratio	1.11	0.82

Market Cap

CZWI

$209M

Winner

REFI

$209M

Max Drawdown

CZWI

84.82%

Winner

REFI

51.71%

Sharpe Ratio

Winner

CZWI

1.44

REFI

-0.51

5Y Beta

CZWI

0.42

Winner

REFI

0.41

Industry

CZWI

Banks - Regional

REFI

Reit - Mortgage

P/E Ratio

CZWI

14.15

Winner

REFI

6.79

Forward P/E

CZWI

10.72

Winner

REFI

5.25

PEG Ratio

CZWI

0.69

REFI

N/A

Dividend Yield

CZWI

0.96%

Winner

REFI

18.80%

5Y Dividends CAGR

CZWI

-1.80%

REFI

N/A

5Y EPS CAGR

CZWI

1.63%

REFI

N/A

Debt to Equity

CZWI

27.16%

Winner

REFI

16.28%

Free Cash Flow Yield

CZWI

5.87%

Winner

REFI

11.62%

P/S Ratio

Winner

CZWI

3.60

REFI

5.06

P/B Ratio

CZWI

1.11

Winner

REFI

0.82

CZWI vs REFI - Historical Returns

Returns include dividend reinvestment.

Period	CZWI	REFI
1 month	-6.19%	-4.90%
3 months	+3.50%	-14.02%
6 months	+14.61%	-9.34%
1 year	+44.34%	-10.74%
5 years(CAGR)	+11.37%	+3.01%
10 years(CAGR)	+9.78%	N/A
Max(CAGR)	+3.90%	+3.01%

CZWI

-6.19%

Winner

REFI

-4.90%

Winner

CZWI

+3.50%

REFI

-14.02%

Winner

CZWI

+14.61%

REFI

-9.34%

Winner

CZWI

+44.34%

REFI

-10.74%

5Y(CAGR)

Winner

CZWI

+11.37%

REFI

+3.01%

10Y(CAGR)

CZWI

+9.78%

REFI

N/A

Max(CAGR)

Winner

CZWI

+3.90%

REFI

+3.01%

CZWI vs REFI - Annual Returns (2004 - 2026)

Returns include dividend reinvestment.

Year	CZWI	REFI
2026	+25.63%	-10.52%
2025	+11.93%	-9.46%
2024	+44.94%	+9.91%
2023	+1.19%	+24.48%
2022	-11.18%	+1.58%
2021	+28.24%	+0.97%
2020	-9.31%	N/A
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 REFI Drawdown Comparison

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

The maximum drawdown for REFI was -26.51%, occurring on Mar 15, 2023. Recovery took 454 trading sessions.

The current CZWI drawdown is -9.52%. The current REFI drawdown is -22.43%.

Rank	CZWI	REFI
#1	-83.63% Aug 3, 2006 - Dec 2, 2024	-26.51% Feb 28, 2022 - Dec 18, 2023
#2	-31.15% Feb 10, 2005 - Apr 27, 2006	-24.97% Mar 3, 2025 - Jul 31, 2026
#3	-23.32% Dec 5, 2024 - Sep 4, 2025	-9.51% Jul 17, 2024 - Nov 21, 2024
#4	-15.09% Apr 5, 2004 - Nov 1, 2004	-7.26% Dec 27, 2023 - Jul 15, 2024
#5	-14.47% Dec 3, 2004 - Feb 10, 2005	-6.30% Jan 20, 2022 - Feb 28, 2022
#6	-10.65% Jul 1, 2026 - Jul 27, 2026	-3.12% Jan 21, 2025 - Feb 10, 2025
#7	-9.47% Sep 18, 2025 - Nov 13, 2025	-2.99% Feb 18, 2025 - Feb 25, 2025
#8	-8.42% Feb 9, 2026 - Mar 20, 2026	-2.97% Dec 8, 2021 - Dec 31, 2021
#9	-6.54% May 8, 2026 - Jun 12, 2026	-2.82% Jan 3, 2025 - Jan 17, 2025
#10	-5.63% Dec 18, 2025 - Jan 21, 2026	-2.78% Dec 5, 2024 - Jan 3, 2025
#11	-4.62% Jan 21, 2026 - Feb 4, 2026	-2.38% Dec 19, 2023 - Dec 26, 2023
#12	-4.02% Jun 30, 2006 - Jul 26, 2006	-1.23% Dec 2, 2024 - Dec 5, 2024
#13	-3.31% Nov 13, 2025 - Nov 25, 2025	-0.88% Feb 11, 2025 - Feb 14, 2025
#14	-3.19% Jun 23, 2026 - Jun 26, 2026	-0.39% Jan 11, 2022 - Jan 13, 2022
#15	-2.95% Sep 4, 2025 - Sep 18, 2025	-0.31% Nov 25, 2024 - Nov 29, 2024

Correlation

Correlation between CZWI and REFI is 0.38 which considered as a weak positive correlation - the stocks show a slight tendency to move together.

0.38

-101

Dividend Comparison (2006 - 2026)

CZWI vs REFI dividend yield comparison.

Year	CZWI	REFI
2026	0.97%	9.32%
2025	2.02%	15.33%
2024	1.96%	13.36%
2023	2.48%	13.41%
2022	2.16%	13.93%
2021	1.67%	0.00%
2020	1.93%	0.00%
2019	1.64%	0.00%
2018	1.83%	0.00%
2017	1.19%	0.00%
2016	0.97%	0.00%
2015	0.85%	0.00%
2014	0.44%	0.00%
2013	0.27%	0.00%
2009	4.41%	0.00%
2008	2.86%	0.00%
2007	2.28%	0.00%
2006	2.04%	0.00%