EFSI vs CZWI

Comparison between Eagle Financial Services Inc (EFSI, Company) and Citizens Community Bancorp Inc MD (CZWI, Company).

Both EFSI and CZWI are from the Financial Services sector.

5-Year PerformanceCZWI has outperformed EFSI, delivering a return of +13.5% compared to +7.6%

EFSI vs CZWI - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	EFSI(COMPANY)	CZWI(COMPANY)
Market Cap	$224M	$223M
Max Drawdown	39.79%	84.82%
Sharpe Ratio	0.95	1.82
5Y Beta	0.49	0.46
Industry	Banks - Regional	Banks - Regional
P/E Ratio	14.78	15.07
Forward P/E	N/A	10.72
PEG Ratio	0.12	0.74
Dividend Yield	2.99%	0.45%
5Y Dividends CAGR	7.90%	-1.80%
5Y EPS CAGR	-2.58%	1.63%
Debt to Equity	15.55%	27.16%
Free Cash Flow Yield	10.37%	5.51%
P/S Ratio	2.77	3.62
P/B Ratio	1.18	1.17

Market Cap

Winner

EFSI

$224M

CZWI

$223M

Max Drawdown

Winner

EFSI

39.79%

CZWI

84.82%

Sharpe Ratio

EFSI

0.95

Winner

CZWI

1.82

5Y Beta

EFSI

0.49

Winner

CZWI

0.46

Industry

EFSI

Banks - Regional

CZWI

Banks - Regional

P/E Ratio

Winner

EFSI

14.78

CZWI

15.07

Forward P/E

EFSI

N/A

CZWI

10.72

PEG Ratio

Winner

EFSI

0.12

CZWI

0.74

Dividend Yield

Winner

EFSI

2.99%

CZWI

0.45%

5Y Dividends CAGR

Winner

EFSI

7.90%

CZWI

-1.80%

5Y EPS CAGR

EFSI

-2.58%

Winner

CZWI

1.63%

Debt to Equity

Winner

EFSI

15.55%

CZWI

27.16%

Free Cash Flow Yield

Winner

EFSI

10.37%

CZWI

5.51%

P/S Ratio

Winner

EFSI

2.77

CZWI

3.62

P/B Ratio

EFSI

1.18

Winner

CZWI

1.17

EFSI vs CZWI - Historical Returns

Returns include dividend reinvestment.

Period	EFSI	CZWI
1 month	-3.15%	+0.35%
3 months	+6.41%	+12.70%
6 months	+5.29%	+27.58%
1 year	+26.29%	+53.47%
5 years(CAGR)	+7.64%	+13.54%
10 years(CAGR)	+9.62%	+10.30%
Max(CAGR)	+9.39%	+4.18%

EFSI

-3.15%

Winner

CZWI

+0.35%

EFSI

+6.41%

Winner

CZWI

+12.70%

EFSI

+5.29%

Winner

CZWI

+27.58%

EFSI

+26.29%

Winner

CZWI

+53.47%

5Y(CAGR)

EFSI

+7.64%

Winner

CZWI

+13.54%

10Y(CAGR)

EFSI

+9.62%

Winner

CZWI

+10.30%

Max(CAGR)

Winner

EFSI

+9.39%

CZWI

+4.18%

EFSI vs CZWI - Annual Returns (2004 - 2026)

Returns include dividend reinvestment.

Year	EFSI	CZWI
2026	+6.87%	+33.22%
2025	+13.43%	+11.93%
2024	+26.12%	+44.94%
2023	-13.43%	+1.19%
2022	+7.13%	-11.18%
2021	+20.68%	+28.24%
2020	-1.35%	-9.31%
2019	+5.10%	+8.89%
2018	-0.40%	-17.17%
2017	+29.33%	+10.96%
2016	+15.93%	+33.84%
2015	N/A	+5.46%
2014	N/A	+25.88%
2013	N/A	+21.83%
2012	N/A	+20.72%
2011	N/A	+30.53%
2010	N/A	+15.16%
2009	N/A	-49.10%
2008	N/A	-17.38%
2007	N/A	-8.30%
2006	N/A	-25.06%
2005	N/A	-11.41%
2004	N/A	+21.26%

EFSI vs CZWI Drawdown Comparison

The maximum drawdown for EFSI was -36.45%, occurring on Mar 25, 2020. Recovery took 727 trading sessions.

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

The current EFSI drawdown is -3.90%. The current CZWI drawdown is -4.05%.

Rank	EFSI	CZWI
#1	-36.45% Jul 24, 2018 - Jun 16, 2021	-83.63% Aug 3, 2006 - Dec 2, 2024
#2	-23.07% Nov 14, 2022 - Nov 27, 2024	-31.15% Feb 10, 2005 - Apr 27, 2006
#3	-21.24% Dec 18, 2025 - Jun 4, 2026	-23.32% Dec 5, 2024 - Sep 4, 2025
#4	-19.17% Feb 3, 2025 - Aug 22, 2025	-15.09% Apr 5, 2004 - Nov 1, 2004
#5	-12.14% Jun 19, 2017 - Feb 20, 2018	-14.47% Dec 3, 2004 - Feb 10, 2005
#6	-11.78% Sep 23, 2025 - Dec 10, 2025	-9.47% Sep 18, 2025 - Nov 13, 2025
#7	-6.77% Jun 12, 2026 - Jul 9, 2026	-8.42% Feb 9, 2026 - Mar 20, 2026
#8	-5.29% Aug 19, 2022 - Nov 14, 2022	-6.54% May 8, 2026 - Jun 12, 2026
#9	-4.85% Dec 7, 2016 - Jan 5, 2017	-6.05% Jul 1, 2026 - Jul 8, 2026
#10	-4.79% Jan 11, 2016 - Mar 14, 2016	-5.63% Dec 18, 2025 - Jan 21, 2026
#11	-4.77% Mar 14, 2016 - Aug 22, 2016	-4.62% Jan 21, 2026 - Feb 4, 2026
#12	-4.66% Aug 3, 2022 - Aug 9, 2022	-4.02% Jun 30, 2006 - Jul 26, 2006
#13	-3.92% Nov 30, 2021 - Feb 18, 2022	-3.31% Nov 13, 2025 - Nov 25, 2025
#14	-3.74% Jan 23, 2017 - Feb 3, 2017	-3.19% Jun 23, 2026 - Jun 26, 2026
#15	-3.44% Aug 24, 2021 - Oct 26, 2021	-2.95% Sep 4, 2025 - Sep 18, 2025

Correlation

Correlation between EFSI and CZWI is 0.82 which considered as a strong positive correlation - the stocks tend to move together.

0.82

-101

Dividend Comparison (2006 - 2026)

EFSI vs CZWI dividend yield comparison.

Year	EFSI	CZWI
2026	1.50%	0.91%
2025	3.12%	2.02%
2024	3.32%	1.96%
2023	4.00%	2.48%
2022	3.20%	2.16%
2021	3.17%	1.67%
2020	3.53%	1.93%
2019	3.22%	1.64%
2018	3.03%	1.83%
2017	2.75%	1.19%
2016	3.18%	0.97%
2015	0.00%	0.85%
2014	0.00%	0.44%
2013	0.00%	0.27%
2009	0.00%	4.41%
2008	0.00%	2.86%
2007	0.00%	2.28%
2006	0.00%	2.04%