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

RILYL has the lower trailing P/E: CZWI trades at 16.38 and RILYL at 0.72. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, CZWI or RILYL?

Over the past five years, RILYL grew revenue faster — CZWI at a 1.62% CAGR versus RILYL at 4.32%.

Does CZWI or RILYL pay a bigger dividend?

CZWI pays a dividend (1.48% yield), while RILYL is a former payer with no current dividend run rate.

Is CZWI or RILYL more profitable?

RILYL runs the higher net margin — CZWI at 14.64% versus RILYL at 31.34%.

How have CZWI and RILYL total returns compared?

Over the past 5 years, CZWI delivered 11.30% and RILYL delivered -12.64% annualized total return. Past performance doesn't predict future results.

Citizens Community Bancorp, Inc. (CZWI) vs BRC Group Holdings, Inc. - Depositary Shares, each representing a 1/1000th fractional interest in a share of Series B Cumulative Perpetual Preferred Stock (RILYL)

A side-by-side comparison of Citizens Community Bancorp, Inc. and BRC Group Holdings, Inc. - Depositary Shares, each representing a 1/1000th fractional interest in a share of Series B Cumulative Perpetual Preferred Stock 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

$BRC Group Holdings, Inc. - Depositary Shares, each representing a 1/1000th fractional interest in a share of Series B Cumulative Perpetual Preferred Stock logo$

RILYL

BRC Group Holdings, Inc. - Depositary Shares, each representing a 1/1000th fractional interest in a share of Series B Cumulative Perpetual Preferred Stock

$210M

$9.60Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

Total return — CZWI vs RILYL

growth of $100 · dividends reinvested · last 6y

CZWI +249.4% (+23.2%/yr)RILYL -38.5% (-7.8%/yr)CZWI compounded faster over this window

Log scale — wide-divergence pair

CZWI RILYL

CZWI vs RILYL: by the numbers

•RILYL is the larger company ($210M vs $207M market cap).
•RILYL trades at the lower trailing earnings multiple (0.72 vs 16.38 P/E), one valuation lens rather than an overall verdict.
•RILYL converts more revenue to profit (31.34% vs 14.64% net margin).
•RILYL grew revenue faster over the past five years (4.32% vs 1.62% CAGR).
•CZWI pays a dividend (1.48% yield), while RILYL is a former payer with no current dividend run rate.

Metrics side by side

Valuation

Metric	CZWI	RILYL
P/E ratio	16.38	0.72
Forward P/E	15.06	N/A
PEG ratio	3.23	0.14
P/S ratio	2.36	0.16
P/B ratio	1.08	1.48

Profitability

Metric	CZWI	RILYL
Gross margin	N/A	64.98%
Operating margin	1.78%	14.62%
Net margin	14.64%	31.34%
ROE	6.69%	289.61%

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	RILYL
Dividend yield	1.48%	N/A
Payout ratio	24.05%	N/A

Growth (annualized)

Metric	CZWI	RILYL
Revenue CAGR (5Y)	1.62%	4.32%
EPS CAGR (5Y)	5.07%	4.59%
Total return CAGR (5Y)	11.30%	-12.64%

Frequently asked

Which has the lower trailing P/E, CZWI or RILYL?: RILYL has the lower trailing P/E: CZWI trades at 16.38 and RILYL at 0.72. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, CZWI or RILYL?: Over the past five years, RILYL grew revenue faster — CZWI at a 1.62% CAGR versus RILYL at 4.32%.
Does CZWI or RILYL pay a bigger dividend?: CZWI pays a dividend (1.48% yield), while RILYL is a former payer with no current dividend run rate.
Is CZWI or RILYL more profitable?: RILYL runs the higher net margin — CZWI at 14.64% versus RILYL at 31.34%.
How have CZWI and RILYL total returns compared?: Over the past 5 years, CZWI delivered 11.30% and RILYL delivered -12.64% annualized total return. Past performance doesn't predict future results.

Go deeper

Full CZWI analysis Full RILYL analysis Interactive comparison tool

Dig into the metrics

Citizens Community Bancorp P/E ratio BRC Group Holdings, Inc. - Depositary Shares, each representing a 1/1000th fractional interest in a share of Series B Cumulative Perpetual Preferred Stock P/E ratio Citizens Community Bancorp dividend yield Citizens Community Bancorp ROE BRC Group Holdings, Inc. - Depositary Shares, each representing a 1/1000th fractional interest in a share of Series B Cumulative Perpetual Preferred Stock ROE Citizens Community Bancorp operating margin BRC Group Holdings, Inc. - Depositary Shares, each representing a 1/1000th fractional interest in a share of Series B Cumulative Perpetual Preferred Stock operating margin Citizens Community Bancorp revenue growth BRC Group Holdings, Inc. - Depositary Shares, each representing a 1/1000th fractional interest in a share of Series B Cumulative Perpetual Preferred Stock revenue growth

Citizens Community Bancorp & BRC Group Holdings, Inc. - Depositary Shares, each representing a 1/1000th fractional interest in a share of Series B Cumulative Perpetual Preferred Stock appear in these rankings

Highest ROE 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.