Citizens & Northern Corporation (CZNC)
Company Info
Highlights
$332.44M
$1.69
12.75
$102.29M
$102.27M
$22.80M
$15.78 - $22.38
$21.00
0.48%
1.47
Share Price Chart
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Compare to other instruments
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Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in Citizens & Northern Corporation, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.
Returns By Period
Citizens & Northern Corporation had a return of 17.35% year-to-date (YTD) and 17.12% in the last 12 months. Over the past 10 years, Citizens & Northern Corporation had an annualized return of 6.22%, while the S&P 500 had an annualized return of 11.29%, indicating that Citizens & Northern Corporation did not perform as well as the benchmark.
CZNC
17.35%
14.82%
15.74%
17.12%
1.17%
6.22%
^GSPC (Benchmark)
4.22%
2.22%
9.51%
22.46%
12.74%
11.29%
Monthly Returns
The table below presents the monthly returns of CZNC, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | 14.68% | 17.35% | |||||||||||
| 2024 | -8.42% | -9.42% | 2.29% | -9.21% | 4.46% | 2.05% | 14.68% | -0.54% | -2.23% | -2.47% | 8.25% | -9.18% | -12.21% |
| 2023 | 3.50% | -3.75% | -4.98% | -9.36% | 0.42% | 0.63% | 11.29% | -14.76% | -2.88% | 4.74% | 11.11% | 11.54% | 3.67% |
| 2022 | -2.75% | -1.39% | -1.57% | -2.85% | 3.97% | -0.70% | 2.24% | -1.76% | 0.75% | -0.53% | 3.20% | -6.85% | -8.40% |
| 2021 | -2.36% | 9.47% | 13.67% | 5.05% | -0.04% | -0.77% | 1.95% | 1.58% | 0.68% | 2.10% | -3.02% | 5.58% | 37.98% |
| 2020 | -8.58% | -11.26% | -11.86% | -9.19% | 7.27% | 7.66% | -13.06% | -3.16% | -5.25% | 5.94% | 7.14% | 9.31% | -25.78% |
| 2019 | -3.75% | 4.67% | -4.57% | 14.33% | -2.65% | -4.60% | -1.66% | -7.42% | 10.79% | -1.11% | 2.29% | 7.41% | 11.88% |
| 2018 | 0.27% | -5.92% | 3.13% | 5.74% | 5.88% | 1.13% | 5.73% | 3.43% | -6.64% | -2.64% | 5.68% | -0.68% | 14.92% |
| 2017 | -8.37% | -1.22% | -0.81% | 0.98% | -4.13% | 4.35% | 0.35% | -2.77% | 9.45% | 0.49% | 4.95% | -6.40% | -4.39% |
| 2016 | -2.77% | -1.24% | -0.10% | 2.85% | 0.45% | -0.30% | 6.68% | 1.45% | 1.62% | -3.60% | 14.01% | 9.85% | 31.19% |
| 2015 | -5.22% | -0.41% | 4.83% | -0.44% | -2.27% | 5.98% | -2.67% | 1.22% | -2.30% | 2.78% | 3.63% | 2.29% | 7.00% |
| 2014 | -3.82% | 1.74% | -1.05% | -3.62% | -0.37% | 4.39% | -1.23% | 3.84% | -3.65% | 6.12% | -2.16% | 6.16% | 5.72% |
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
The current rank of CZNC is 62, indicating average performance compared to other stocks on our website. Here’s a breakdown of how it compares using common performance measures.
Risk-Adjusted Performance Indicators
The charts below present risk-adjusted performance metrics for Citizens & Northern Corporation (CZNC) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.
Dividends
Dividend History
Citizens & Northern Corporation provided a 5.20% dividend yield over the last twelve months, with an annual payout of $1.12 per share. The company has been increasing its dividends for 4 consecutive years.
| Period | TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $1.12 | $1.12 | $1.12 | $1.12 | $1.11 | $1.08 | $1.18 | $1.08 | $1.04 | $1.04 | $1.04 | $1.04 |
Dividend yield | 5.20% | 6.02% | 4.99% | 4.90% | 4.25% | 5.44% | 4.18% | 4.09% | 4.33% | 3.97% | 4.95% | 5.03% |
Monthly Dividends
The table displays the monthly dividend distributions for Citizens & Northern Corporation. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | $0.00 | $0.28 | $0.28 | ||||||||||
| 2024 | $0.28 | $0.00 | $0.00 | $0.00 | $0.28 | $0.00 | $0.28 | $0.00 | $0.00 | $0.28 | $0.00 | $0.00 | $1.12 |
| 2023 | $0.00 | $0.28 | $0.00 | $0.28 | $0.00 | $0.00 | $0.28 | $0.00 | $0.00 | $0.28 | $0.00 | $0.00 | $1.12 |
| 2022 | $0.28 | $0.00 | $0.00 | $0.28 | $0.00 | $0.00 | $0.28 | $0.00 | $0.00 | $0.28 | $0.00 | $0.00 | $1.12 |
| 2021 | $0.27 | $0.00 | $0.00 | $0.28 | $0.00 | $0.00 | $0.28 | $0.00 | $0.00 | $0.28 | $0.00 | $0.00 | $1.11 |
| 2020 | $0.27 | $0.00 | $0.00 | $0.27 | $0.00 | $0.00 | $0.27 | $0.00 | $0.00 | $0.27 | $0.00 | $0.00 | $1.08 |
| 2019 | $0.37 | $0.00 | $0.00 | $0.27 | $0.00 | $0.00 | $0.27 | $0.00 | $0.00 | $0.27 | $0.00 | $0.00 | $1.18 |
| 2018 | $0.27 | $0.00 | $0.00 | $0.27 | $0.00 | $0.00 | $0.27 | $0.00 | $0.00 | $0.27 | $0.00 | $0.00 | $1.08 |
| 2017 | $0.26 | $0.00 | $0.00 | $0.26 | $0.00 | $0.00 | $0.26 | $0.00 | $0.00 | $0.26 | $0.00 | $0.00 | $1.04 |
| 2016 | $0.26 | $0.00 | $0.00 | $0.26 | $0.00 | $0.00 | $0.26 | $0.00 | $0.00 | $0.26 | $0.00 | $0.00 | $1.04 |
| 2015 | $0.26 | $0.00 | $0.00 | $0.26 | $0.00 | $0.00 | $0.26 | $0.00 | $0.00 | $0.26 | $0.00 | $0.00 | $1.04 |
| 2014 | $0.26 | $0.00 | $0.00 | $0.26 | $0.00 | $0.00 | $0.26 | $0.00 | $0.00 | $0.26 | $0.00 | $0.00 | $1.04 |
Dividend Yield & Payout
Dividend Yield
Payout Ratio
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
Worst Drawdowns
The table below displays the maximum drawdowns of the Citizens & Northern Corporation. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Citizens & Northern Corporation was 72.49%, occurring on Nov 27, 2009. Recovery took 1718 trading sessions.
The current Citizens & Northern Corporation drawdown is 7.95%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -72.49% | Jul 25, 2005 | 1072 | Nov 27, 2009 | 1718 | Sep 27, 2016 | 2790 |
| -44.85% | May 15, 2019 | 345 | Sep 24, 2020 | 261 | Oct 7, 2021 | 606 |
| -44.28% | May 6, 1998 | 310 | Dec 6, 2000 | 305 | Nov 5, 2002 | 615 |
| -34.22% | Nov 12, 2021 | 368 | May 3, 2023 | — | — | — |
| -17.45% | Jan 21, 2005 | 51 | Apr 8, 2005 | 35 | May 27, 2005 | 86 |
Volatility
Volatility Chart
The current Citizens & Northern Corporation volatility is 12.11%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
Financials
Financial Performance
Valuation
The Valuation section provides an assessment of the market value of Citizens & Northern Corporation compared to its peers in the Banks - Regional industry.
PE Ratio
The chart displays the price to earnings (P/E) ratio for CZNC in comparison to other companies of the Banks - Regional industry. Currently, CZNC has a PE value of 12.7. This PE ratio falls in the average range for the industry.PEG Ratio
The chart displays the price to earnings to growth (PEG) ratio for CZNC in comparison to other companies of the Banks - Regional industry. Currently, CZNC has a PEG value of 0.0. This PEG ratio falls in the average range for the industry.Historical P/E Ratio Chart
The chart below displays the historical trend of the price-to-earnings (P/E) ratio for Citizens & Northern Corporation.
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Income Statement
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