CZBS vs. CZNC
Compare and contrast key facts about Citizens Bancshares Corp (CZBS) and Citizens & Northern Corporation (CZNC).
Performance
CZBS vs. CZNC - Performance Comparison
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CZBS vs. CZNC - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
CZBS Citizens Bancshares Corp | 7.59% | -10.41% | 33.89% | 44.75% | 181.60% | 4.74% | -7.74% | 14.01% | -23.18% | 54.64% |
CZNC Citizens & Northern Corporation | 12.14% | 14.89% | -12.21% | 3.67% | -8.40% | 37.98% | -25.78% | 11.43% | 14.92% | -4.38% |
Fundamentals
CZBS:
$13.07M
CZNC:
$154.97M
CZBS:
$4.20M
CZNC:
$101.53M
CZBS:
-$7.36M
CZNC:
$30.32M
Returns By Period
In the year-to-date period, CZBS achieves a 7.59% return, which is significantly lower than CZNC's 12.14% return. Over the past 10 years, CZBS has outperformed CZNC with an annualized return of 25.50%, while CZNC has yielded a comparatively lower 6.30% annualized return.
CZBS
- 1D
- 0.28%
- 1M
- 0.89%
- YTD
- 7.59%
- 6M
- 4.99%
- 1Y
- -5.30%
- 3Y*
- 9.29%
- 5Y*
- 36.35%
- 10Y*
- 25.50%
CZNC
- 1D
- 0.22%
- 1M
- -0.53%
- YTD
- 12.14%
- 6M
- 15.85%
- 1Y
- 17.54%
- 3Y*
- 7.40%
- 5Y*
- 3.98%
- 10Y*
- 6.30%
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Return for Risk
CZBS vs. CZNC — Risk / Return Rank
CZBS
CZNC
CZBS vs. CZNC - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Citizens Bancshares Corp (CZBS) and Citizens & Northern Corporation (CZNC). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| CZBS | CZNC | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | -0.17 | 0.72 | -0.89 |
Sortino ratioReturn per unit of downside risk | -0.04 | 1.12 | -1.16 |
Omega ratioGain probability vs. loss probability | 0.99 | 1.14 | -0.14 |
Calmar ratioReturn relative to maximum drawdown | -0.26 | 1.67 | -1.94 |
Martin ratioReturn relative to average drawdown | -0.46 | 3.56 | -4.02 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| CZBS | CZNC | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | -0.17 | 0.72 | -0.89 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.96 | 0.14 | +0.83 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.67 | 0.18 | +0.49 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.60 | 0.16 | +0.43 |
Correlation
The correlation between CZBS and CZNC is 0.04, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.
Dividends
CZBS vs. CZNC - Dividend Comparison
CZBS's dividend yield for the trailing twelve months is around 2.55%, less than CZNC's 5.01% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
CZBS Citizens Bancshares Corp | 2.55% | 2.45% | 1.96% | 1.92% | 1.82% | 3.91% | 3.48% | 4.42% | 2.40% | 0.58% | 0.89% | 1.00% |
CZNC Citizens & Northern Corporation | 5.01% | 5.55% | 6.02% | 4.99% | 4.90% | 4.25% | 5.44% | 3.82% | 4.09% | 4.33% | 3.97% | 4.95% |
Drawdowns
CZBS vs. CZNC - Drawdown Comparison
The maximum CZBS drawdown since its inception was -36.52%, smaller than the maximum CZNC drawdown of -72.50%. Use the drawdown chart below to compare losses from any high point for CZBS and CZNC.
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Drawdown Indicators
| CZBS | CZNC | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -36.52% | -72.50% | +35.98% |
Max Drawdown (1Y)Largest decline over 1 year | -26.74% | -10.30% | -16.44% |
Max Drawdown (5Y)Largest decline over 5 years | -35.94% | -34.22% | -1.72% |
Max Drawdown (10Y)Largest decline over 10 years | -36.52% | -44.85% | +8.33% |
Current DrawdownCurrent decline from peak | -17.35% | -6.45% | -10.90% |
Average DrawdownAverage peak-to-trough decline | -13.80% | -20.61% | +6.81% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 15.47% | 4.84% | +10.63% |
Volatility
CZBS vs. CZNC - Volatility Comparison
Citizens Bancshares Corp (CZBS) has a higher volatility of 7.31% compared to Citizens & Northern Corporation (CZNC) at 5.23%. This indicates that CZBS's price experiences larger fluctuations and is considered to be riskier than CZNC based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| CZBS | CZNC | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 7.31% | 5.23% | +2.08% |
Volatility (6M)Calculated over the trailing 6-month period | 15.94% | 15.85% | +0.09% |
Volatility (1Y)Calculated over the trailing 1-year period | 31.69% | 24.50% | +7.19% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 37.95% | 29.22% | +8.73% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 38.17% | 34.64% | +3.53% |
Financials
CZBS vs. CZNC - Financials Comparison
This section allows you to compare key financial metrics between Citizens Bancshares Corp and Citizens & Northern Corporation. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities