CZWI vs UP

Comparison between Citizens Community Bancorp Inc MD (CZWI, Company) and Wheels Up Experience Inc - Class A (UP, Company).

CZWI is from the Financial Services sector, while UP is from the Industrials sector.

5-Year PerformanceCZWI has outperformed UP, delivering a return of +11.4% compared to -67.5%

CZWI vs UP - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CZWI(COMPANY)	UP(COMPANY)
Market Cap	$209M	$208M
Max Drawdown	84.82%	99.78%
Sharpe Ratio	1.44	-0.60
5Y Beta	0.42	1.86
Industry	Banks - Regional	Airports & Air Services
P/E Ratio	14.15	-0.69
Forward P/E	10.72	N/A
PEG Ratio	0.69	N/A
Dividend Yield	0.96%	N/A
5Y Dividends CAGR	-1.80%	N/A
5Y EPS CAGR	1.63%	N/A
Debt to Equity	27.16%	-107.49%
Free Cash Flow Yield	5.87%	N/A
P/S Ratio	3.60	0.29
P/B Ratio	1.11	2860.73

Market Cap

Winner

CZWI

$209M

$208M

Max Drawdown

Winner

CZWI

84.82%

99.78%

Sharpe Ratio

Winner

CZWI

1.44

-0.60

5Y Beta

Winner

CZWI

0.42

1.86

Industry

CZWI

Banks - Regional

Airports & Air Services

P/E Ratio

CZWI

14.15

Winner

-0.69

Forward P/E

CZWI

10.72

N/A

PEG Ratio

CZWI

0.69

N/A

Dividend Yield

CZWI

0.96%

N/A

5Y Dividends CAGR

CZWI

-1.80%

N/A

5Y EPS CAGR

CZWI

1.63%

N/A

Debt to Equity

CZWI

27.16%

Winner

-107.49%

Free Cash Flow Yield

CZWI

5.87%

N/A

P/S Ratio

CZWI

3.60

Winner

0.29

P/B Ratio

Winner

CZWI

1.11

2860.73

CZWI vs UP - Historical Returns

Returns include dividend reinvestment.

Period	CZWI	UP
1 month	-6.19%	-40.33%
3 months	+3.50%	-9.65%
6 months	+14.61%	-59.63%
1 year	+44.34%	-80.18%
5 years(CAGR)	+11.37%	-67.50%
10 years(CAGR)	+9.78%	N/A
Max(CAGR)	+3.90%	-64.14%

Winner

CZWI

-6.19%

-40.33%

Winner

CZWI

+3.50%

-9.65%

Winner

CZWI

+14.61%

-59.63%

Winner

CZWI

+44.34%

-80.18%

5Y(CAGR)

Winner

CZWI

+11.37%

-67.50%

10Y(CAGR)

CZWI

+9.78%

N/A

Max(CAGR)

Winner

CZWI

+3.90%

-64.14%

CZWI vs UP - Annual Returns (2004 - 2026)

Returns include dividend reinvestment.

Year	CZWI	UP
2026	+25.63%	-58.73%
2025	+11.93%	-61.17%
2024	+44.94%	-57.25%
2023	+1.19%	-67.33%
2022	-11.18%	-77.56%
2021	+28.24%	-53.97%
2020	-9.31%	+3.32%
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 UP Drawdown Comparison

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

The maximum drawdown for UP was -99.78%, occurring on May 12, 2026. This drawdown has not yet recovered.

The current CZWI drawdown is -9.52%. The current UP drawdown is -99.76%.

Rank	CZWI	UP
#1	-83.63% Aug 3, 2006 - Dec 2, 2024	-99.78% Jul 14, 2021 - May 12, 2026
#2	-31.15% Feb 10, 2005 - Apr 27, 2006	-13.23% Feb 2, 2021 - Jul 14, 2021
#3	-23.32% Dec 5, 2024 - Sep 4, 2025	-4.59% Jan 26, 2021 - Feb 1, 2021
#4	-15.09% Apr 5, 2004 - Nov 1, 2004	-2.78% Dec 1, 2020 - Dec 30, 2020
#5	-14.47% Dec 3, 2004 - Feb 10, 2005	-2.70% Nov 19, 2020 - Dec 1, 2020
#6	-10.65% Jul 1, 2026 - Jul 27, 2026	-2.06% Dec 30, 2020 - Jan 11, 2021
#7	-9.47% Sep 18, 2025 - Nov 13, 2025	-1.93% Jan 14, 2021 - Jan 26, 2021
#8	-8.42% Feb 9, 2026 - Mar 20, 2026	-0.20% Jan 11, 2021 - Jan 13, 2021
#9	-6.54% May 8, 2026 - Jun 12, 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 UP is -0.33 which considered as a weak negative correlation - the stocks show a slight tendency to move in opposite directions.

-0.33

-101