Consumer Portfolio Services, Inc. (CPSS) vs Citizens Community Bancorp, Inc. (CZWI)
A side-by-side comparison of Consumer Portfolio Services, Inc. and Citizens Community Bancorp, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — CPSS vs CZWI
growth of $100 · dividends reinvested · last 10yCPSS vs CZWI: by the numbers
- •CZWI is the larger company ($206M vs $196M market cap).
- •CPSS trades at the lower trailing earnings multiple (9.90 vs 16.27 P/E), one valuation lens rather than an overall verdict.
- •CZWI converts more revenue to profit (14.64% vs 4.79% net margin).
- •CPSS grew revenue faster over the past five years (11.42% vs 1.62% CAGR).
- •CZWI pays a dividend (1.48% yield), while CPSS has no payments in the available dividend history.
Metrics side by side
Valuation
| Metric | CPSS | CZWI |
|---|---|---|
| P/E ratio | 9.90 | 16.27 |
| Forward P/E | 3.68 | 14.95 |
| PEG ratio | N/A | 3.21 |
| P/S ratio | 0.43 | 2.35 |
| P/B ratio | 0.61 | 1.07 |
Profitability
| Metric | CPSS | CZWI |
|---|---|---|
| Operating margin | 60.76% | 1.78% |
| Net margin | 4.79% | 14.64% |
| ROE | 6.77% | 6.69% |
Consumer Portfolio Services, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Citizens Community Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | CPSS | CZWI |
|---|---|---|
| Dividend yield | N/A | 1.48% |
| Payout ratio | N/A | 24.05% |
Growth (annualized)
| Metric | CPSS | CZWI |
|---|---|---|
| Revenue CAGR (5Y) | 11.42% | 1.62% |
| EPS CAGR (5Y) | -1.73% | 5.07% |
| Total return CAGR (5Y) | 8.69% | 11.30% |
Frequently asked
- Which has the lower trailing P/E, CPSS or CZWI?
- CPSS has the lower trailing P/E: CPSS trades at 9.90 and CZWI at 16.27. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CPSS or CZWI?
- Over the past five years, CPSS grew revenue faster — CPSS at a 11.42% CAGR versus CZWI at 1.62%.
- Does CPSS or CZWI pay a bigger dividend?
- CZWI pays a dividend (1.48% yield), while CPSS has no payments in the available dividend history.
- Is CPSS or CZWI more profitable?
- CZWI runs the higher net margin — CPSS at 4.79% versus CZWI at 14.64%.
- How have CPSS and CZWI total returns compared?
- Over the past 10 years, CPSS delivered 7.37% and CZWI delivered 8.74% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Consumer Portfolio Services & Citizens Community Bancorp appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.