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

SNFCA has the lower trailing P/E: CZWI trades at 16.38 and SNFCA at 5.87. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, CZWI or SNFCA?

Over the past five years, SNFCA grew revenue faster — CZWI at a 1.62% CAGR versus SNFCA at 155.01%.

Does CZWI or SNFCA pay a bigger dividend?

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

Is CZWI or SNFCA more profitable?

SNFCA runs the higher net margin — CZWI at 14.64% versus SNFCA at 14.97%.

How have CZWI and SNFCA total returns compared?

Over the past 10 years, CZWI delivered 8.74% and SNFCA delivered 9.69% annualized total return. Past performance doesn't predict future results.

Citizens Community Bancorp, Inc. (CZWI) vs Security National Financial Corporation (SNFCA)

A side-by-side comparison of Citizens Community Bancorp, Inc. and Security National Financial Corporation 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

SNFCA

Security National Financial Corporation

$202M

$9.04Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

Total return — CZWI vs SNFCA

growth of $100 · dividends reinvested · last 10y

CZWI +132.5% (+8.8%/yr)SNFCA +153.6% (+9.8%/yr)SNFCA compounded faster over this window

CZWI SNFCA

CZWI vs SNFCA: by the numbers

•CZWI is the larger company ($207M vs $202M market cap).
•SNFCA trades at the lower trailing earnings multiple (5.87 vs 16.38 P/E), one valuation lens rather than an overall verdict.
•SNFCA converts more revenue to profit (14.97% vs 14.64% net margin).
•SNFCA grew revenue faster over the past five years (155.01% vs 1.62% CAGR).
•CZWI pays a dividend (1.48% yield), while SNFCA is a former payer with no current dividend run rate.

Metrics side by side

Valuation

Metric	CZWI	SNFCA
P/E ratio	16.38	5.87
Forward P/E	15.06	N/A
PEG ratio	3.23	N/A
P/S ratio	2.36	0.81
P/B ratio	1.08	0.47

Profitability

Metric	CZWI	SNFCA
Operating margin	1.78%	19.35%
Net margin	14.64%	14.97%
ROE	6.69%	8.61%

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.

Security National Financial Corporation: 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	SNFCA
Dividend yield	1.48%	N/A
Payout ratio	24.05%	N/A

Growth (annualized)

Metric	CZWI	SNFCA
Revenue CAGR (5Y)	1.62%	155.01%
EPS CAGR (5Y)	5.07%	-11.76%
Total return CAGR (5Y)	11.30%	5.82%

Frequently asked

Which has the lower trailing P/E, CZWI or SNFCA?: SNFCA has the lower trailing P/E: CZWI trades at 16.38 and SNFCA at 5.87. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, CZWI or SNFCA?: Over the past five years, SNFCA grew revenue faster — CZWI at a 1.62% CAGR versus SNFCA at 155.01%.
Does CZWI or SNFCA pay a bigger dividend?: CZWI pays a dividend (1.48% yield), while SNFCA is a former payer with no current dividend run rate.
Is CZWI or SNFCA more profitable?: SNFCA runs the higher net margin — CZWI at 14.64% versus SNFCA at 14.97%.
How have CZWI and SNFCA total returns compared?: Over the past 10 years, CZWI delivered 8.74% and SNFCA delivered 9.69% annualized total return. Past performance doesn't predict future results.

Go deeper

Full CZWI analysis Full SNFCA analysis Interactive comparison tool

Dig into the metrics

Citizens Community Bancorp P/E ratio Security National Financial P/E ratio Citizens Community Bancorp dividend yield Citizens Community Bancorp ROE Security National Financial ROE Citizens Community Bancorp operating margin Security National Financial operating margin Citizens Community Bancorp revenue growth Security National Financial revenue growth

Citizens Community Bancorp & Security National Financial appear in these rankings

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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.