Citizens Community Bancorp, Inc. (CZWI) vs Ohio Valley Banc Corp. (OVBC)
A side-by-side comparison of Citizens Community Bancorp, Inc. and Ohio Valley Banc Corp. 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 — CZWI vs OVBC
growth of $100 · dividends reinvested · last 10yCZWI vs OVBC: by the numbers
- •OVBC is the larger company ($214M vs $206M market cap).
- •OVBC trades at the lower trailing earnings multiple (15.06 vs 16.29 P/E), one valuation lens rather than an overall verdict.
- •CZWI converts more revenue to profit (14.64% vs 14.31% net margin).
- •OVBC grew revenue faster over the past five years (12.18% vs 1.62% CAGR).
- •OVBC pays the higher dividend yield (2.12% vs 1.48%).
Metrics side by side
Valuation
| Metric | CZWI | OVBC |
|---|---|---|
| P/E ratio | 16.29 | 15.06 |
| Forward P/E | 14.98 | N/A |
| PEG ratio | 3.21 | 1.65 |
| P/S ratio | 2.35 | 2.15 |
| P/B ratio | 1.08 | 1.23 |
Profitability
| Metric | CZWI | OVBC |
|---|---|---|
| Operating margin | 1.78% | 17.67% |
| Net margin | 14.64% | 14.31% |
| ROE | 6.69% | 8.20% |
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.
Ohio Valley Banc Corp.: 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 | OVBC |
|---|---|---|
| Dividend yield | 1.48% | 2.12% |
| Payout ratio | 24.05% | 31.89% |
Growth (annualized)
| Metric | CZWI | OVBC |
|---|---|---|
| Revenue CAGR (5Y) | 1.62% | 12.18% |
| EPS CAGR (5Y) | 5.07% | 9.12% |
| Total return CAGR (5Y) | 11.30% | 14.25% |
Frequently asked
- Which has the lower trailing P/E, CZWI or OVBC?
- OVBC has the lower trailing P/E: CZWI trades at 16.29 and OVBC at 15.06. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CZWI or OVBC?
- Over the past five years, OVBC grew revenue faster — CZWI at a 1.62% CAGR versus OVBC at 12.18%.
- Does CZWI or OVBC pay a bigger dividend?
- CZWI yields 1.48% and OVBC yields 2.12% based on trailing dividends and the latest price.
- Is CZWI or OVBC more profitable?
- CZWI runs the higher net margin — CZWI at 14.64% versus OVBC at 14.31%.
- How have CZWI and OVBC total returns compared?
- Over the past 10 years, CZWI delivered 8.74% and OVBC delivered 10.53% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Citizens Community Bancorp & Ohio Valley Banc 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.