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

RILYP has the lower trailing P/E: CZWI trades at 16.38 and RILYP at 0.70. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, CZWI or RILYP?

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

Does CZWI or RILYP pay a bigger dividend?

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

Is CZWI or RILYP more profitable?

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

How have CZWI and RILYP total returns compared?

Over the past 5 years, CZWI delivered 11.30% and RILYP delivered -12.73% annualized total return. Past performance doesn't predict future results.

Citizens Community Bancorp, Inc. (CZWI) vs BRC Group Holdings, Inc. (RILYP)

A side-by-side comparison of Citizens Community Bancorp, Inc. and BRC Group Holdings, 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

RILYP

BRC Group Holdings, Inc.

$207M

$9.28Financial ServicesDelayed quote: Oct 6, 2026, 3:59 PM EDT

Total return — CZWI vs RILYP

growth of $100 · dividends reinvested · last 7y

CZWI +123.2% (+12.2%/yr)RILYP -37.5% (-6.5%/yr)CZWI compounded faster over this window

CZWI RILYP

CZWI vs RILYP: by the numbers

•CZWI is the larger company ($207M vs $207M market cap).
•RILYP trades at the lower trailing earnings multiple (0.70 vs 16.38 P/E), one valuation lens rather than an overall verdict.
•RILYP converts more revenue to profit (31.34% vs 14.64% net margin).
•RILYP grew revenue faster over the past five years (4.32% vs 1.62% CAGR).
•CZWI pays a dividend (1.48% yield), while RILYP is a former payer with no current dividend run rate.

Metrics side by side

Valuation

Metric	CZWI	RILYP
P/E ratio	16.38	0.70
Forward P/E	15.06	N/A
PEG ratio	3.23	0.13
P/S ratio	2.36	0.16
P/B ratio	1.08	1.45

Profitability

Metric	CZWI	RILYP
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	RILYP
Dividend yield	1.48%	N/A
Payout ratio	24.05%	N/A

Growth (annualized)

Metric	CZWI	RILYP
Revenue CAGR (5Y)	1.62%	4.32%
EPS CAGR (5Y)	5.07%	4.59%
Total return CAGR (5Y)	11.30%	-12.73%

Frequently asked

Which has the lower trailing P/E, CZWI or RILYP?: RILYP has the lower trailing P/E: CZWI trades at 16.38 and RILYP at 0.70. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, CZWI or RILYP?: Over the past five years, RILYP grew revenue faster — CZWI at a 1.62% CAGR versus RILYP at 4.32%.
Does CZWI or RILYP pay a bigger dividend?: CZWI pays a dividend (1.48% yield), while RILYP is a former payer with no current dividend run rate.
Is CZWI or RILYP more profitable?: RILYP runs the higher net margin — CZWI at 14.64% versus RILYP at 31.34%.
How have CZWI and RILYP total returns compared?: Over the past 5 years, CZWI delivered 11.30% and RILYP delivered -12.73% annualized total return. Past performance doesn't predict future results.

Go deeper

Full CZWI analysis Full RILYP analysis Interactive comparison tool

Dig into the metrics

Citizens Community Bancorp P/E ratio BRC Group P/E ratio Citizens Community Bancorp dividend yield Citizens Community Bancorp ROE BRC Group ROE Citizens Community Bancorp operating margin BRC Group operating margin Citizens Community Bancorp revenue growth BRC Group revenue growth

Citizens Community Bancorp & BRC Group 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.