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

FCAP has the lower trailing P/E: CZWI trades at 16.27 and FCAP at 11.53. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, CZWI or FCAP?

Over the past five years, FCAP grew revenue faster — CZWI at a 1.62% CAGR versus FCAP at 12.14%.

Does CZWI or FCAP pay a bigger dividend?

CZWI yields 1.48% and FCAP yields 1.96% based on trailing dividends and the latest price.

Is CZWI or FCAP more profitable?

FCAP runs the higher net margin — CZWI at 14.64% versus FCAP at 26.79%.

How have CZWI and FCAP total returns compared?

Over the past 10 years, CZWI delivered 8.74% and FCAP delivered 9.85% annualized total return. Past performance doesn't predict future results.

Citizens Community Bancorp, Inc. (CZWI) vs First Capital, Inc. (FCAP)

A side-by-side comparison of Citizens Community Bancorp, Inc. and First Capital, 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.

$206M

$21.31Financial ServicesDelayed quote: Oct 5, 2026, 4:00 PM EDT

FCAP

First Capital, Inc.

$213M

$63.74Financial ServicesDelayed quote: Oct 5, 2026, 4:00 PM EDT

Total return — CZWI vs FCAP

growth of $100 · dividends reinvested · last 10y

CZWI +132.5% (+8.8%/yr)FCAP +159.8% (+10.0%/yr)FCAP compounded faster over this window

CZWI FCAP

CZWI vs FCAP: by the numbers

•FCAP is the larger company ($213M vs $206M market cap).
•FCAP trades at the lower trailing earnings multiple (11.53 vs 16.27 P/E), one valuation lens rather than an overall verdict.
•FCAP converts more revenue to profit (26.79% vs 14.64% net margin).
•FCAP grew revenue faster over the past five years (12.14% vs 1.62% CAGR).
•FCAP pays the higher dividend yield (1.96% vs 1.48%).

Metrics side by side

Valuation

Metric	CZWI	FCAP
P/E ratio	16.27	11.53
Forward P/E	14.95	N/A
PEG ratio	3.21	1.14
P/S ratio	2.35	3.10
P/B ratio	1.07	1.50

Profitability

Metric	CZWI	FCAP
Operating margin	1.78%	33.03%
Net margin	14.64%	26.79%
ROE	6.69%	12.95%

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.

First Capital, 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	FCAP
Dividend yield	1.48%	1.96%
Payout ratio	24.05%	22.60%

Growth (annualized)

Metric	CZWI	FCAP
Revenue CAGR (5Y)	1.62%	12.14%
EPS CAGR (5Y)	5.07%	10.05%
Total return CAGR (5Y)	11.30%	12.79%

Frequently asked

Which has the lower trailing P/E, CZWI or FCAP?: FCAP has the lower trailing P/E: CZWI trades at 16.27 and FCAP at 11.53. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, CZWI or FCAP?: Over the past five years, FCAP grew revenue faster — CZWI at a 1.62% CAGR versus FCAP at 12.14%.
Does CZWI or FCAP pay a bigger dividend?: CZWI yields 1.48% and FCAP yields 1.96% based on trailing dividends and the latest price.
Is CZWI or FCAP more profitable?: FCAP runs the higher net margin — CZWI at 14.64% versus FCAP at 26.79%.
How have CZWI and FCAP total returns compared?: Over the past 10 years, CZWI delivered 8.74% and FCAP delivered 9.85% annualized total return. Past performance doesn't predict future results.

Go deeper

Full CZWI analysis Full FCAP analysis Interactive comparison tool

Dig into the metrics

Citizens Community Bancorp P/E ratio First Capital P/E ratio Citizens Community Bancorp dividend yield First Capital dividend yield Citizens Community Bancorp ROE First Capital ROE Citizens Community Bancorp operating margin First Capital operating margin Citizens Community Bancorp revenue growth First Capital revenue growth

Citizens Community Bancorp & First Capital 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.