CZBS vs. CZNC
CZBS (Citizens Bancshares Corp) and CZNC (Citizens & Northern Corporation) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, CZBS returned 25.91%/yr vs 5.56%/yr for CZNC. At a 0.05 correlation, their price movements are largely independent.
Performance
CZBS vs. CZNC - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, CZBS achieves a 21.52% return, which is significantly higher than CZNC's 8.52% return. Over the past 10 years, CZBS has outperformed CZNC with an annualized return of 25.91%, while CZNC has yielded a comparatively lower 5.56% annualized return.
CZBS
- 1D
- 0.38%
- 1M
- 6.02%
- YTD
- 21.52%
- 6M
- 31.45%
- 1Y
- 9.10%
- 3Y*
- 16.02%
- 5Y*
- 33.72%
- 10Y*
- 25.91%
CZNC
- 1D
- 2.15%
- 1M
- -1.75%
- YTD
- 8.52%
- 6M
- 8.09%
- 1Y
- 24.81%
- 3Y*
- 8.46%
- 5Y*
- 2.29%
- 10Y*
- 5.56%
CZBS vs. CZNC - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
CZBS Citizens Bancshares Corp | 21.52% | -10.41% | 33.89% | 44.75% | 181.60% | 4.74% | -7.74% | 14.01% | -23.18% | 54.64% |
CZNC Citizens & Northern Corporation | 8.52% | 14.89% | -12.21% | 3.67% | -8.40% | 37.98% | -25.78% | 11.43% | 14.92% | -4.38% |
Correlation
The correlation between CZBS and CZNC is 0.19, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.19 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.05 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.04 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.06 |
Correlation (All Time) Calculated using the full available price history since Aug 2, 2012 | 0.05 |
The correlation between CZBS and CZNC shifts across timeframes, from 0.04 (5 years) to 0.19 (1 year), reflecting how their relationship changes across market environments.
Fundamentals
CZBS:
$13.07M
CZNC:
$116.64M
CZBS:
$4.20M
CZNC:
$75.17M
CZBS:
-$7.36M
CZNC:
$22.06M
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
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 | -0.58 | ||
| Sortino ratioReturn per unit of downside risk | -0.80 | ||
| Omega ratioGain probability vs. loss probability | 1.11 | 1.19 | -0.08 |
| Calmar ratioReturn relative to maximum drawdown | 0.43 | 1.75 | -1.32 |
| Martin ratioReturn relative to average drawdown | 0.92 | 4.59 | -3.66 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Loading charts...
Sharpe Ratios by Period
| CZBS | CZNC | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.47 | 1.05 | -0.58 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.97 | 0.08 | +0.89 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.70 | 0.16 | +0.53 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.62 | 0.16 | +0.46 |
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.
Loading charts...
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 | -21.48% | -14.24% | -7.24% |
Max Drawdown (3Y)Largest decline over 3 years | -32.81% | -26.07% | -6.74% |
Max Drawdown (5Y)Largest decline over 5 years | -32.81% | -34.22% | +1.41% |
Max Drawdown (10Y)Largest decline over 10 years | -36.52% | -44.85% | +8.33% |
Current DrawdownCurrent decline from peak | -6.65% | -9.58% | +2.93% |
Average DrawdownAverage peak-to-trough decline | -13.78% | -20.53% | +6.75% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 9.89% | 5.42% | +4.47% |
Volatility
CZBS vs. CZNC - Volatility Comparison
The current volatility for Citizens Bancshares Corp (CZBS) is 3.21%, while Citizens & Northern Corporation (CZNC) has a volatility of 6.97%. This indicates that CZBS experiences smaller price fluctuations and is considered to be less risky than CZNC based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| CZBS | CZNC | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.21% | 6.97% | -3.76% |
Volatility (6M)Calculated over the trailing 6-month period | 12.72% | 17.42% | -4.70% |
Volatility (1Y)Calculated over the trailing 1-year period | 19.59% | 23.82% | -4.23% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 34.81% | 29.17% | +5.64% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 37.49% | 34.75% | +2.74% |
Dividends
CZBS vs. CZNC - Dividend Comparison
CZBS's dividend yield for the trailing twelve months is around 2.26%, less than CZNC's 5.25% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
CZBS Citizens Bancshares Corp | 2.26% | 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 | 5.25% | 5.55% | 6.02% | 4.99% | 4.90% | 4.25% | 5.44% | 3.82% | 4.09% | 4.33% | 3.97% | 4.95% |
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
Frequently Asked Questions
CZBS and CZNC have a correlation of 0.19, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
CZNC has higher volatility (6.97%) compared to CZBS (3.21%). In terms of maximum drawdown, CZBS dropped -36.52% vs CZNC's -72.50%.
CZNC currently has the higher Sharpe Ratio (1.05 vs 0.47), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
Find the right allocation for CZBS and CZNC
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer