Citizens Community Bancorp, Inc. (CZWI) vs Rhinebeck Bancorp, Inc. (RBKB)
A side-by-side comparison of Citizens Community Bancorp, Inc. and Rhinebeck 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 — CZWI vs RBKB
growth of $100 · dividends reinvested · last 8yCZWI vs RBKB: by the numbers
- •CZWI is the larger company ($207M vs $207M market cap).
- •RBKB trades at the lower trailing earnings multiple (14.69 vs 16.38 P/E), one valuation lens rather than an overall verdict.
- •RBKB converts more revenue to profit (16.28% vs 14.64% net margin).
- •RBKB grew revenue faster over the past five years (2.79% vs 1.62% CAGR).
- •CZWI pays a dividend (1.48% yield), while RBKB has no payments in the available dividend history.
Metrics side by side
Valuation
| Metric | CZWI | RBKB |
|---|---|---|
| P/E ratio | 16.38 | 14.69 |
| Forward P/E | 15.06 | N/A |
| PEG ratio | 3.23 | 1.36 |
| P/S ratio | 2.36 | 3.41 |
| P/B ratio | 1.08 | 1.48 |
Profitability
| Metric | CZWI | RBKB |
|---|---|---|
| Operating margin | 1.78% | 10.35% |
| Net margin | 14.64% | 16.28% |
| ROE | 6.69% | 7.07% |
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.
Rhinebeck 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 | RBKB |
|---|---|---|
| Dividend yield | 1.48% | N/A |
| Payout ratio | 24.05% | N/A |
Growth (annualized)
| Metric | CZWI | RBKB |
|---|---|---|
| Revenue CAGR (5Y) | 1.62% | 2.79% |
| EPS CAGR (5Y) | 5.07% | 11.08% |
| Total return CAGR (5Y) | 11.30% | 11.29% |
Frequently asked
- Which has the lower trailing P/E, CZWI or RBKB?
- RBKB has the lower trailing P/E: CZWI trades at 16.38 and RBKB at 14.69. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CZWI or RBKB?
- Over the past five years, RBKB grew revenue faster — CZWI at a 1.62% CAGR versus RBKB at 2.79%.
- Does CZWI or RBKB pay a bigger dividend?
- CZWI pays a dividend (1.48% yield), while RBKB has no payments in the available dividend history.
- Is CZWI or RBKB more profitable?
- RBKB runs the higher net margin — CZWI at 14.64% versus RBKB at 16.28%.
Go deeper
Dig into the metrics
Citizens Community Bancorp & Rhinebeck 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.