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CZWI vs SPY

Comparison between Citizens Community Bancorp Inc MD (CZWI, Company) and SPDR S&P 500 ETF Trust (SPY, ETF).

5-Year PerformanceCZWI has outperformed SPY, delivering a return of +13.5% compared to +12.4%

CZWI vs SPY - Performance Comparison

Key Characteristics

Financial metrics and valuation ratios

Market Cap / Net Assets
CZWI
$223M
Winner
SPY
$781B
Expense Ratio
CZWI
N/A
SPY
0.09%
Max Drawdown
CZWI
84.82%
Winner
SPY
56.47%
Sharpe Ratio
Winner
CZWI
1.82
SPY
1.12
5Y Beta
Winner
CZWI
0.46
SPY
1.00
Industry
CZWI
Banks - Regional
SPY
N/A
P/E Ratio
Winner
CZWI
15.07
SPY
28.53
Forward P/E
Winner
CZWI
10.72
SPY
21.47
PEG Ratio
CZWI
0.74
SPY
N/A
Dividend Yield
CZWI
0.45%
SPY
N/A
5Y Dividends CAGR
CZWI
-1.80%
Winner
SPY
6.00%
5Y EPS CAGR
CZWI
1.63%
Winner
SPY
25.58%
Debt to Equity
Winner
CZWI
27.16%
SPY
32.09%
Free Cash Flow Yield
CZWI
5.51%
SPY
N/A
P/S Ratio
Winner
CZWI
3.62
SPY
3.75
P/B Ratio
Winner
CZWI
1.17
SPY
5.64

CZWI vs SPY - Historical Returns

Returns include dividend reinvestment.

1M
CZWI
+0.35%
Winner
SPY
+0.63%
3M
Winner
CZWI
+12.70%
SPY
+4.46%
6M
Winner
CZWI
+27.58%
SPY
+7.67%
1Y
Winner
CZWI
+53.47%
SPY
+17.68%
5Y(CAGR)
Winner
CZWI
+13.54%
SPY
+12.42%
10Y(CAGR)
CZWI
+10.30%
Winner
SPY
+14.84%
Max(CAGR)
CZWI
+4.18%
Winner
SPY
+8.44%

CZWI vs SPY - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

YearCZWISPY
2026+33.22%+8.63%
2025+11.93%+18.00%
2024+44.94%+25.59%
2023+1.19%+26.72%
2022-11.18%-18.64%
2021+28.24%+30.52%
2020-9.31%+17.28%
2019+8.89%+31.09%
2018-17.17%-5.24%
2017+10.96%+20.78%
2016+33.84%+13.59%
2015+5.46%+1.31%
2014+25.88%+14.56%
2013+21.83%+29.00%
2012+20.72%+14.17%
2011+30.53%+0.85%
2010+15.16%+13.14%
2009-49.10%+22.67%
2008-17.38%-36.25%
2007-8.30%+5.32%
2006-25.06%+13.85%
2005-11.41%+5.32%
2004+21.26%+10.75%
2003N/A+24.18%
2002N/A-22.42%
2001N/A-10.13%
2000N/A-8.84%
1999N/A+8.61%

CZWI vs SPY Drawdown Comparison

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

The maximum drawdown for SPY was -55.20%, occurring on Mar 9, 2009. Recovery took 1224 trading sessions.

The current CZWI drawdown is -4.05%. The current SPY drawdown is -2.57%.

RankCZWISPY
#1-83.63%
Aug 3, 2006 - Dec 2, 2024		-55.20%
Oct 9, 2007 - Aug 16, 2012
#2-31.15%
Feb 10, 2005 - Apr 27, 2006		-47.50%
Mar 24, 2000 - Oct 26, 2006
#3-23.32%
Dec 5, 2024 - Sep 4, 2025		-33.70%
Feb 19, 2020 - Aug 10, 2020
#4-15.09%
Apr 5, 2004 - Nov 1, 2004		-24.50%
Jan 3, 2022 - Dec 13, 2023
#5-14.47%
Dec 3, 2004 - Feb 10, 2005		-19.34%
Sep 20, 2018 - Apr 12, 2019
#6-9.47%
Sep 18, 2025 - Nov 13, 2025		-18.76%
Feb 19, 2025 - Jun 26, 2025
#7-8.42%
Feb 9, 2026 - Mar 20, 2026		-13.02%
Jul 20, 2015 - Apr 18, 2016
#8-6.54%
May 8, 2026 - Jun 12, 2026		-10.10%
Jan 26, 2018 - Aug 6, 2018
#9-6.05%
Jul 1, 2026 - Jul 8, 2026		-9.44%
Sep 2, 2020 - Nov 11, 2020
#10-5.63%
Dec 18, 2025 - Jan 21, 2026		-9.30%
Jan 19, 2000 - Mar 17, 2000
#11-4.62%
Jan 21, 2026 - Feb 4, 2026		-9.05%
Jul 19, 2007 - Oct 5, 2007
#12-4.02%
Jun 30, 2006 - Jul 26, 2006		-8.88%
Jan 27, 2026 - Apr 14, 2026
#13-3.31%
Nov 13, 2025 - Nov 25, 2025		-8.41%
Jul 16, 2024 - Sep 19, 2024
#14-3.19%
Jun 23, 2026 - Jun 26, 2026		-7.35%
Sep 14, 2012 - Jan 2, 2013
#15-2.95%
Sep 4, 2025 - Sep 18, 2025		-7.27%
Sep 18, 2014 - Oct 31, 2014

Correlation

Correlation between CZWI and SPY is 0.77 which considered as a strong positive correlation - the stocks tend to move together.

0.77
-101

Dividend Comparison (1999 - 2026)

CZWI vs SPY dividend yield comparison.

YearCZWISPY
20260.91%0.50%
20252.02%1.07%
20241.96%1.21%
20232.48%1.40%
20222.16%1.65%
20211.67%1.20%
20201.93%1.52%
20191.64%1.75%
20181.83%2.04%
20171.19%1.80%
20160.97%2.03%
20150.85%2.06%
20140.44%1.87%
20130.27%1.81%
20120.00%2.18%
20110.00%2.05%
20100.00%1.80%
20094.41%1.95%
20082.86%3.02%
20072.28%1.85%
20062.04%1.73%
20050.00%1.73%
20040.00%1.82%
20030.00%1.47%
20020.00%1.70%
20010.00%1.25%
20000.00%1.15%
19990.00%0.24%

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