Which has the lower trailing P/E, CZWI or DEFT?

DEFT has the lower trailing P/E: CZWI trades at 16.38 and DEFT at 8.17. P/E is one valuation measure and does not by itself establish which business is cheaper.

Does CZWI or DEFT pay a bigger dividend?

CZWI pays a dividend (1.48% yield), while DEFT has no payments in the available dividend history.

Is CZWI or DEFT more profitable?

DEFT runs the higher net margin — CZWI at 14.64% versus DEFT at 78.41%.

Citizens Community Bancorp, Inc. (CZWI) vs DeFi Technologies Inc. (DEFT)

A side-by-side comparison of Citizens Community Bancorp, Inc. and DeFi Technologies 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.

CZWI

Citizens Community Bancorp, Inc.

$207M

$21.46Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

DEFT

DeFi Technologies Inc.

$203M

$0.52Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

Total return — CZWI vs DEFT

growth of $100 · dividends reinvested · last 2y

CZWI +73.7% (+31.8%/yr)DEFT -69.5% (-44.8%/yr)CZWI compounded faster over this window

Log scale — wide-divergence pair

CZWI DEFT

CZWI vs DEFT: by the numbers

•CZWI is the larger company ($207M vs $203M market cap).
•DEFT trades at the lower trailing earnings multiple (8.17 vs 16.38 P/E), one valuation lens rather than an overall verdict.
•DEFT converts more revenue to profit (78.41% vs 14.64% net margin).
•CZWI pays a dividend (1.48% yield), while DEFT has no payments in the available dividend history.

Metrics side by side

Valuation

Metric	CZWI	DEFT
P/E ratio	16.38	8.17
Forward P/E	15.06	N/A
PEG ratio	3.23	0.17
P/S ratio	2.36	6.23
P/B ratio	1.08	1.46

Profitability

Metric	CZWI	DEFT
Gross margin	N/A	70.40%
Operating margin	1.78%	37.40%
Net margin	14.64%	78.41%
ROE	6.69%	17.93%

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	CZWI	DEFT
Dividend yield	1.48%	N/A
Payout ratio	24.05%	N/A

Growth (annualized)

Metric	CZWI	DEFT
Revenue CAGR (5Y)	1.62%	N/A
EPS CAGR (5Y)	5.07%	48.85%
Total return CAGR (5Y)	11.30%	N/A

Frequently asked

Which has the lower trailing P/E, CZWI or DEFT?: DEFT has the lower trailing P/E: CZWI trades at 16.38 and DEFT at 8.17. P/E is one valuation measure and does not by itself establish which business is cheaper.
Does CZWI or DEFT pay a bigger dividend?: CZWI pays a dividend (1.48% yield), while DEFT has no payments in the available dividend history.
Is CZWI or DEFT more profitable?: DEFT runs the higher net margin — CZWI at 14.64% versus DEFT at 78.41%.

Go deeper

Full CZWI analysis Full DEFT analysis Interactive comparison tool

Dig into the metrics

Citizens Community Bancorp P/E ratio DeFi Technologies P/E ratio Citizens Community Bancorp dividend yield Citizens Community Bancorp ROE DeFi Technologies ROE Citizens Community Bancorp operating margin DeFi Technologies operating margin Citizens Community Bancorp revenue growth DeFi Technologies revenue growth

Citizens Community Bancorp & DeFi Technologies appear in these rankings

Highest Operating Margin Stocks Lowest P/E Ratio Stocks

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.