REFI vs CZWI

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

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

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

REFI vs CZWI - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

Winner

REFI

$209M

CZWI

$209M

Max Drawdown

Winner

REFI

51.71%

CZWI

84.82%

Sharpe Ratio

REFI

-0.51

Winner

CZWI

1.44

5Y Beta

Winner

REFI

0.41

CZWI

0.42

Industry

REFI

Reit - Mortgage

CZWI

Banks - Regional

P/E Ratio

Winner

REFI

6.79

CZWI

14.15

Forward P/E

Winner

REFI

5.25

CZWI

10.72

PEG Ratio

REFI

N/A

CZWI

0.69

Dividend Yield

Winner

REFI

18.80%

CZWI

0.96%

5Y Dividends CAGR

REFI

N/A

CZWI

-1.80%

5Y EPS CAGR

REFI

N/A

CZWI

1.63%

Debt to Equity

Winner

REFI

16.28%

CZWI

27.16%

Free Cash Flow Yield

Winner

REFI

11.62%

CZWI

5.87%

P/S Ratio

REFI

5.06

Winner

CZWI

3.60

P/B Ratio

Winner

REFI

0.82

CZWI

1.11

REFI vs CZWI - Historical Returns

Returns include dividend reinvestment.

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

Winner

REFI

-4.90%

CZWI

-6.19%

REFI

-14.02%

Winner

CZWI

+3.50%

REFI

-9.34%

Winner

CZWI

+14.61%

REFI

-10.74%

Winner

CZWI

+44.34%

5Y(CAGR)

REFI

+3.01%

Winner

CZWI

+11.37%

10Y(CAGR)

REFI

N/A

CZWI

+9.78%

Max(CAGR)

REFI

+3.01%

Winner

CZWI

+3.90%

REFI vs CZWI - Annual Returns (2004 - 2026)

Returns include dividend reinvestment.

Year	REFI	CZWI
2026	-10.52%	+25.63%
2025	-9.46%	+11.93%
2024	+9.91%	+44.94%
2023	+24.48%	+1.19%
2022	+1.58%	-11.18%
2021	+0.97%	+28.24%
2020	N/A	-9.31%
2019	N/A	+8.89%
2018	N/A	-17.17%
2017	N/A	+10.96%
2016	N/A	+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%

REFI vs CZWI Drawdown Comparison

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

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

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

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

Correlation

Correlation between REFI and CZWI 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)

REFI vs CZWI dividend yield comparison.

Year	REFI	CZWI
2026	9.32%	0.97%
2025	15.33%	2.02%
2024	13.36%	1.96%
2023	13.41%	2.48%
2022	13.93%	2.16%
2021	0.00%	1.67%
2020	0.00%	1.93%
2019	0.00%	1.64%
2018	0.00%	1.83%
2017	0.00%	1.19%
2016	0.00%	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%